AMERCO (NYSE:UHAL) Q2 2022 Earnings Conference Call November 4, 2021 11:00 AM ET Company Participants Sebastien Reyes - Investor Relations Joe Shoen - Chairman and Chief Executive Officer Jason Berg - Chief Financial Officer Conference Call Participants Jamie Wilen - Wilen Management Operator Good morning and welcome to the AMERCO Second Quarter Fiscal 2022 Investor Call and Webcast. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Sebastien R ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the quarterly period ended September 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from __________________ to __________________ Commission File Number 001-11255 State or other jurisdiction of incorporation or organization Registrant, State ...

AMERCO (NYSE:UHAL) Q1 2022 Earnings Conference Call August 5, 2021 11:00 AM ET Company Participants Sebastien Reyes – Director of Investor Relations Joe Shoen – Chairman Jason Berg – Chief Financial Officer Conference Call Participants Steven Ralston – Zacks Jamie Wilen – Wilen Management Craig Inman – Artisan Partners Operator Good morning, and welcome to the AMERCO First Quarter Fiscal 2022 Investor Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the quarterly period ended June 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from __________________ to __________________ Commission File Number 001-11255 State or other jurisdiction of incorporation or organization Registrant, State of I ...

AMERCO (NYSE:UHAL) Q4 2021 Earnings Conference Call May 27, 2021 11:00 AM ET Company Participants Sebastien Reyes - Director, Investor Relations Jason Berg - Chief Financial Officer Conference Call Participants Steven Ralston - Zacks Jamie Wilen - Wilen Management Craig Inman - Artisan Partners Steve Galbraith - Kindred Capital Advisors Operator Good day. And welcome to the AMERCO Fourth Quarter Fiscal 2021 Year End Investor Call. All participants will be in a listen-only mode. [Operator Instructions] After ...

Debt and Financial Obligations - As of March 31, 2021, the company had total debt outstanding of $4,698.6 million and operating lease liabilities of $92.5 million[77]. - Economic conditions, including credit market fluctuations, may adversely affect the company's ability to refinance existing debt or find additional financing on favorable terms[83]. - As of March 31, 2021, the company had $1,152.9 million in variable rate debt obligations, with a potential increase in interest expense of $9.2 million annually if LIBOR rises by 100 basis points[223]. - The potential phase-out of LIBOR by June 2023 may adversely affect the company's cost of capital and net investment income[80]. Competition and Market Conditions - The truck rental industry is highly competitive, with significant national, regional, and local competitors, which may adversely impact the company's financial results due to aggressive pricing strategies[76]. - The company’s ability to generate sufficient cash flow from operations to service its debt and meet other cash needs is subject to prevailing economic and competitive conditions[79]. Regulatory and Environmental Factors - The introduction of regulations favoring electric and autonomous vehicles may require infrastructure improvements that could inhibit the company's current business model[101]. - The company is subject to numerous environmental regulations, and future liabilities could have a material adverse effect on its business and financial condition[90]. Operational Risks - The company relies on a limited number of manufacturers for its rental trucks, which could negatively impact its fleet if these suppliers face issues[86]. - The company faces liability risks associated with its rental fleet and operations, which could negatively impact financial results despite risk management efforts[106]. - The company is highly dependent on automated systems and the Internet for business management, exposing it to risks from cyber-attacks and system disruptions[108]. Strategic Initiatives - U-Haul has made significant progress on initiatives such as TruckShare 24/7 and a North American propane alternative fuel network[105]. Insurance and Reinsurance - A.M. Best affirmed the financial strength rating for Oxford and Christian Fidelity Life Insurance Company at A- with a positive outlook, which is crucial for the life insurance business[111]. - Repwest reported $0.3 million of reinsurance recoverables and $64.9 million of reserves and liabilities ceded to reinsurers as of December 31, 2020[113]. Financial Instruments and Hedging - The company utilizes interest rate swap agreements to mitigate exposure to changes in interest rates, with three agreements totaling a notional amount of $235 million[223]. - The company uses derivatives to hedge equity market exposure related to indexed annuity products, with a net market value of $6.6 million as of December 31, 2020[225]. Currency Impact - Approximately 4.6% of the company's revenue was generated in Canada in fiscal 2021, 2020, and 2019, with no material impact expected from a 10% change in the U.S. dollar relative to the Canadian dollar[227]. Tax Legislation Impact - The Tax Cuts and Jobs Act and the CARES Act have introduced complexities in accounting treatment that could adversely affect future operating cash flows[113].

AMERCO (NYSE:UHAL) Q3 2021 Earnings Conference Call February 4, 2021 10:00 AM ET Company Participants Sebastien Reyes - Director of Investor Relations Jason Berg - Chief Financial Officer Conference Call Participants Steven Ralston - Zacks Craig Inman - Artisan Partners Steve Galbraith - Kindred Operator Good morning and welcome to the AMERCO Third Quarter Fiscal 2021 Investor Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions] After today’s presentation, there will be ...

(Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Form 10-Q For the transition period from __________________ to __________________ Commission File Number 001-11255 State or other jurisdiction of incorporation or organization Registrant, State of Incorporation, Address and Telephone Number Ne ...

AMERCO (NYSE:UHAL) Q2 2021 Earnings Conference Call November 5, 2020 10:00 AM ET Company Participants Sebastien Reyes - Director of Investor Relations Joe Shoen - Chairman of Board Jason Berg - Chief Financial Officer Sam Shoen - Program Manager, U-Box Conference Call Participants Steven Ralston - Zacks Jamie Wilen - Wilen Management Craig Inman - Artisan Partners Operator Good day, ladies and gentlemen and welcome to the AMERCO Second Quarter Fiscal 2021 Investor Call and Webcast. All lines have been place ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from __________________ to __________________ Commission File Number 001-11255 State or other jurisdiction of incorporation or organization Registrant, State ...