WallStSmart

GATX Corporation (GATX)vsRyder System Inc (R)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ryder System Inc generates 628% more annual revenue ($12.66B vs $1.74B). GATX leads profitability with a 19.2% profit margin vs 3.9%. GATX appears more attractively valued with a PEG of 0.64. GATX earns a higher WallStSmart Score of 73/100 (B).

GATX

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 10.0Quality: 5.3
Piotroski: 5/9Altman Z: 0.84

R

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 6.0Value: 7.3Quality: 4.0
Piotroski: 6/9Altman Z: 1.33
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GATXUndervalued (+55.8%)

Margin of Safety

+55.8%

Fair Value

$427.28

Current Price

$170.05

$257.23 discount

UndervaluedFair: $427.28Overvalued
RSignificantly Overvalued (-30.3%)

Margin of Safety

-30.3%

Fair Value

$166.74

Current Price

$203.64

$36.90 premium

UndervaluedFair: $166.74Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GATX4 strengths · Avg: 8.5/10
Operating MarginProfitability
31.0%10/10

Strong operational efficiency at 31.0%

PEG RatioValuation
0.648/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.8%8/10

Earnings expanding 25.8% YoY

R3 strengths · Avg: 8.0/10
PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
17.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

GATX2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-295.40M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.842/10

Distress zone — elevated risk

R4 concerns · Avg: 2.8/10
EPS GrowthGrowth
4.5%4/10

4.5% earnings growth

Profit MarginProfitability
3.9%3/10

3.9% margin — thin

Revenue GrowthGrowth
-0.4%2/10

Revenue declined 0.4%

Altman Z-ScoreHealth
1.332/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : GATX

The strongest argument for GATX centers on Operating Margin, PEG Ratio, Price/Book. Profitability is solid with margins at 19.2% and operating margin at 31.0%. PEG of 0.64 suggests the stock is reasonably priced for its growth.

Bull Case : R

The strongest argument for R centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : GATX

The primary concerns for GATX are Free Cash Flow, Altman Z-Score.

Bear Case : R

The primary concerns for R are EPS Growth, Profit Margin, Revenue Growth. Debt-to-equity of 2.84 is elevated, increasing financial risk. Thin 3.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

GATX profiles as a mature stock while R is a value play — different risk/reward profiles.

GATX carries more volatility with a beta of 1.22 — expect wider price swings.

GATX is growing revenue faster at 8.6% — sustainability is the question.

R generates stronger free cash flow (344M), providing more financial flexibility.

Bottom Line

GATX scores higher overall (73/100 vs 56/100), backed by strong 19.2% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

GATX Corporation

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

GATX Corporation (NYSE: GATX) strives to be recognized as the best car rental company in the world by our customers, our shareholders, our employees and the communities where we operate. The company is headquartered in Chicago, Illinois since its founding in 1898.

Ryder System Inc

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

Ryder System, Inc. is a global transportation and logistics company. The company is headquartered in Miami, Florida.

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