UHAL vs. CASH

Last updated Aug 1, 2026

UHAL (U-Haul Holding Company) and CASH (Pathward Financial, Inc.) are both stocks. UHAL operates in Rental & Leasing Services (Industrials), while CASH operates in Banks - Regional (Financial Services). Over the past 10 years, UHAL returned 6.45%/yr vs 17.69%/yr for CASH. Their 0.14 correlation means their historical movements had little consistent relationship.

Performance

UHAL vs. CASH - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in U-Haul Holding Company (UHAL) and Pathward Financial, Inc. (CASH). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, UHAL achieves a 40.67% return, which is significantly higher than CASH's 24.43% return. Over the past 10 years, UHAL has underperformed CASH with an annualized return of 6.45%, while CASH has yielded a comparatively higher 17.69% annualized return.

UHAL

• 1D: -0.06%
• 1M: 4.93%
• 6M: 25.39%
• YTD: 40.67%
• 1Y: 24.16%
• 3Y*: 5.51%
• 5Y*: 3.86%
• 10Y*: 6.45%
• ALL TIME*: 12.93%

CASH

• 1D: 0.62%
• 1M: -0.54%
• 6M: -2.16%
• YTD: 24.43%
• 1Y: 18.28%
• 3Y*: 19.05%
• 5Y*: 12.57%
• 10Y*: 17.69%
• ALL TIME*: 12.63%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
CASH Pathward Financial, Inc.	$21.60M	$19.27M	$18.69M
UHAL U-Haul Holding Company	$11.25M	$12.17M	$14.39M

UHAL vs. CASH - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UHAL U-Haul Holding Company	40.67%	-27.04%	-3.77%	19.29%	-17.05%	60.36%	21.49%	15.01%	-12.81%	2.94%
CASH Pathward Financial, Inc.	24.43%	-3.25%	39.47%	23.45%	-27.48%	63.82%	0.94%	89.68%	-36.81%	-9.39%

Correlation

The correlation between UHAL and CASH is 0.35, which is low. Their historical price movements had little consistent relationship.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.35
Correlation (3Y) Balances recent behavior with more history.	0.40
Correlation (5Y) Shows whether the relationship held over a longer period.	0.44
Correlation (10Y) Provides a long-term view across more market conditions.	0.37
Correlation (All Time) Calculated using the full available price history since Nov 4, 1994	0.14

Over the past year, UHAL and CASH have become more correlated (0.35) than their long-term average of 0.14, meaning their price movements have been converging.

Fundamentals

Market Cap UHAL : $13.86B CASH : $1.86B
EPS UHAL : $0.94 CASH : $7.92
PE Ratio UHAL : 75.38 CASH : 11.14
PS Ratio UHAL : 2.30 CASH : 4.48
PB Ratio UHAL : 1.79 CASH : 2.26
Total Revenue (TTM) UHAL : $6.04B CASH : $437.03M
Gross Profit (TTM) UHAL : $5.79B CASH : $160.30M
EBITDA (TTM) UHAL : $1.35B CASH : $216.92M

Return for Risk

UHAL vs. CASH — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

UHAL

UHAL Risk / Return Rank: 64
UHAL Sharpe Ratio Rank: 67
UHAL Sortino Ratio Rank: 62
UHAL Omega Ratio Rank: 63
UHAL Calmar Ratio Rank: 62
UHAL Martin Ratio Rank: 65

CASH

CASH Risk / Return Rank: 61
CASH Sharpe Ratio Rank: 65
CASH Sortino Ratio Rank: 57
CASH Omega Ratio Rank: 59
CASH Calmar Ratio Rank: 62
CASH Martin Ratio Rank: 63

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

UHAL vs. CASH - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for U-Haul Holding Company (UHAL) and Pathward Financial, Inc. (CASH). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	UHAL	CASH	Difference
Sharpe ratio: Return per unit of total volatility	0.67	0.57	+0.09
Sortino ratio: Return per unit of downside risk	1.15	0.93	+0.22
Omega ratio: Gain probability vs. loss probability	1.15	1.13	+0.02
Calmar ratio: Return relative to maximum drawdown	0.78	0.77	+0.01
Martin ratio: Return relative to average drawdown	2.00	1.69	+0.31

UHAL vs. CASH - Sharpe Ratio Comparison

The current UHAL Sharpe Ratio is 0.67, which is comparable to the CASH Sharpe Ratio of 0.57. The chart below compares the historical Sharpe Ratios of UHAL and CASH, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

UHAL vs. CASH - Drawdown Comparison

The maximum UHAL drawdown since its inception was -96.19%, which is greater than CASH's maximum drawdown of -83.66%. Use the drawdown chart below to compare losses from any high point for UHAL and CASH.

Drawdown Indicators

	UHAL	CASH	Difference
Max Drawdown Largest peak-to-trough decline	-96.19%	-83.66%	-12.53%
Max Drawdown (1Y) Largest decline over 1 year	-29.12%	-22.21%	-6.91%
Max Drawdown (3Y) Largest decline over 3 years	-46.19%	-22.21%	-23.98%
Max Drawdown (5Y) Largest decline over 5 years	-46.19%	-50.84%	+4.65%
Max Drawdown (10Y) Largest decline over 10 years	-46.19%	-64.90%	+18.71%
Current Drawdown Current decline from peak	-9.55%	-11.64%	+2.09%
Average Drawdown Average peak-to-trough decline	-28.56%	-22.84%	-5.72%
Ulcer Index Depth and duration of drawdowns from previous peaks	11.29%	10.06%	+1.23%

Volatility

UHAL vs. CASH - Volatility Comparison

The current volatility for U-Haul Holding Company (UHAL) is 7.37%, while Pathward Financial, Inc. (CASH) has a volatility of 9.87%. This indicates that UHAL experiences smaller price fluctuations and is considered to be less risky than CASH based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UHAL	CASH	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.37%	9.87%	-2.50%
Volatility (6M) Calculated over the trailing 6-month period	28.79%	22.31%	+6.48%
Volatility (1Y) Calculated over the trailing 1-year period	33.99%	29.71%	+4.28%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	30.40%	33.42%	-3.02%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.65%	41.36%	-11.71%

Dividends

UHAL vs. CASH - Dividend Comparison

UHAL has not paid dividends to shareholders, while CASH's dividend yield for the trailing twelve months is around 0.23%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CASH Pathward Financial, Inc.	0.23%	0.28%	0.27%	0.38%	0.46%	0.34%	0.55%	0.55%	0.96%	0.56%	0.51%	1.13%
UHAL U-Haul Holding Company	0.00%	0.00%	0.00%	0.00%	769.35%	0.21%	0.55%	0.40%	0.46%	0.66%	0.54%	1.28%

Financials

Frequently Asked Questions

Can I hold both UHAL and CASH in my portfolio?

UHAL and CASH have a correlation of 0.35, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, UHAL or CASH?

CASH has higher volatility (9.87%) compared to UHAL (7.37%). In terms of maximum drawdown, UHAL dropped -96.19% vs CASH's -83.66%.

Which has better risk-adjusted returns?

UHAL currently has the higher Sharpe Ratio (0.67 vs 0.57), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.