WallStSmart

Custom Truck One Source Inc (CTOS)vsU-Haul Holding Company (UHAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 199% more annual revenue ($6.09B vs $2.04B). UHAL leads profitability with a 1.1% profit margin vs 1.1%. CTOS trades at a lower P/E of 102.8x. UHAL earns a higher WallStSmart Score of 44/100 (D).

CTOS

Hold

41

out of 100

Grade: D

Growth: 4.7Profit: 4.5Value: 3.0Quality: 3.5
Piotroski: 4/9Altman Z: 0.66

UHAL

Hold

44

out of 100

Grade: D

Growth: 3.3Profit: 5.0Value: 5.3Quality: 5.0
Piotroski: 3/9Altman Z: 1.21
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CTOSSignificantly Overvalued (-77.7%)

Margin of Safety

-77.7%

Fair Value

$3.99

Current Price

$9.63

$5.64 premium

UndervaluedFair: $3.99Overvalued
UHALUndervalued (+87.1%)

Margin of Safety

+87.1%

Fair Value

$377.66

Current Price

$62.07

$315.59 discount

UndervaluedFair: $377.66Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CTOS1 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

UHAL1 strengths · Avg: 8.0/10
Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

CTOS4 concerns · Avg: 2.3/10
Profit MarginProfitability
1.1%3/10

1.1% margin — thin

P/E RatioValuation
102.8x2/10

Premium valuation, high expectations priced in

Return on EquityProfitability
-2.1%2/10

ROE of -2.1% — below average capital efficiency

EPS GrowthGrowth
-26.5%2/10

Earnings declined 26.5%

UHAL4 concerns · Avg: 3.5/10
PEG RatioValuation
2.354/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.2%4/10

3.2% revenue growth

Return on EquityProfitability
0.6%3/10

ROE of 0.6% — below average capital efficiency

Profit MarginProfitability
1.1%3/10

1.1% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CTOS

The strongest argument for CTOS centers on Price/Book. Revenue growth of 10.2% demonstrates continued momentum.

Bull Case : UHAL

The strongest argument for UHAL centers on Price/Book.

Bear Case : CTOS

The primary concerns for CTOS are Profit Margin, P/E Ratio, Return on Equity. A P/E of 102.8x leaves little room for execution misses. Debt-to-equity of 2.97 is elevated, increasing financial risk.

Bear Case : UHAL

The primary concerns for UHAL are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 459.1x leaves little room for execution misses. Thin 1.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

CTOS carries more volatility with a beta of 1.35 — expect wider price swings.

CTOS is growing revenue faster at 10.2% — sustainability is the question.

CTOS generates stronger free cash flow (-137M), providing more financial flexibility.

Monitor RENTAL & LEASING SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UHAL scores higher overall (44/100 vs 41/100). Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Custom Truck One Source Inc

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

Custom Truck One Source, Inc. provides specialized equipment rental services to the electrical, telecommunications, and railroad transmission and distribution industries in North America. The company is headquartered in Kansas City, Missouri.

U-Haul Holding Company

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

AMERCO is a DIY warehousing and moving operator for household and commercial items in the United States and Canada. The company is headquartered in Reno, Nevada.

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