WallStSmart

GATX Corporation (GATX)vsU-Haul Holding Company (UHAL-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 197% more annual revenue ($6.09B vs $2.05B). GATX leads profitability with a 17.9% profit margin vs 1.1%. GATX trades at a lower P/E of 17.5x. GATX earns a higher WallStSmart Score of 79/100 (B+).

GATX

Strong Buy

79

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 7.0Quality: 4.0
Piotroski: 3/9Altman Z: 0.73

UHAL-B

Hold

42

out of 100

Grade: D

Growth: 3.3Profit: 5.0Value: 4.0Quality: 5.0
Piotroski: 3/9Altman Z: 1.21

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GATX6 strengths · Avg: 8.3/10
Revenue GrowthGrowth
34.8%10/10

Revenue surging 34.8% year-over-year

PEG RatioValuation
0.648/10

Growing faster than its price suggests

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Operating MarginProfitability
27.8%8/10

Strong operational efficiency at 27.8%

EPS GrowthGrowth
37.9%8/10

Earnings expanding 37.9% YoY

UHAL-B1 strengths · Avg: 10.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Areas to Watch

GATX3 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.732/10

Distress zone — elevated risk

Debt/EquityHealth
4.481/10

Elevated debt levels

UHAL-B4 concerns · Avg: 3.3/10
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

Debt/EquityHealth
1.063/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : GATX

The strongest argument for GATX centers on Revenue Growth, PEG Ratio, P/E Ratio. Profitability is solid with margins at 17.9% and operating margin at 27.8%. Revenue growth of 34.8% demonstrates continued momentum.

Bull Case : UHAL-B

The strongest argument for UHAL-B centers on Price/Book.

Bear Case : GATX

The primary concerns for GATX are Piotroski F-Score, Altman Z-Score, Debt/Equity. Debt-to-equity of 4.48 is elevated, increasing financial risk.

Bear Case : UHAL-B

The primary concerns for UHAL-B are Revenue Growth, Return on Equity, Profit Margin. A P/E of 421.2x leaves little room for execution misses. Thin 1.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

GATX profiles as a growth stock while UHAL-B is a value play — different risk/reward profiles.

GATX carries more volatility with a beta of 1.18 — expect wider price swings.

GATX is growing revenue faster at 34.8% — sustainability is the question.

GATX generates stronger free cash flow (76M), providing more financial flexibility.

Bottom Line

GATX scores higher overall (79/100 vs 42/100), backed by strong 17.9% margins and 34.8% revenue growth. Both earn "Strong Buy" 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.

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.

U-Haul Holding Company

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

U-Haul Holding Company, a subsidiary of AMERCO, is a leading provider of innovative storage and transportation solutions across North America, characterized by its extensive fleet of rental trucks, trailers, and self-storage facilities. The company capitalizes on a strong brand and vast network, serving a diverse clientele that includes both residential and corporate customers. U-Haul’s commitment to affordability, exceptional customer service, and strategic investments in technology and operational efficiency position it favorably for sustained growth in the burgeoning do-it-yourself moving sector, catering to the increasing consumer appetite for flexible moving and storage options. As a dominant player in the industry, U-Haul is well-placed to harness rising demand and drive long-term value for its stakeholders.

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