WallStSmart

Herc Holdings Inc (HRI)vsU-Haul Holding Company (UHAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 30% more annual revenue ($6.04B vs $4.65B). UHAL leads profitability with a 1.4% profit margin vs -0.1%. HRI appears more attractively valued with a PEG of 0.06. HRI earns a higher WallStSmart Score of 52/100 (C-).

HRI

Buy

52

out of 100

Grade: C-

Growth: 6.7Profit: 4.0Value: 5.7Quality: 2.5
Piotroski: 1/9Altman Z: 0.65

UHAL

Hold

40

out of 100

Grade: D

Growth: 3.3Profit: 3.5Value: 5.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HRISignificantly Overvalued (-71.8%)

Margin of Safety

-71.8%

Fair Value

$105.26

Current Price

$136.68

$31.42 premium

UndervaluedFair: $105.26Overvalued
UHALUndervalued (+86.6%)

Margin of Safety

+86.6%

Fair Value

$362.93

Current Price

$57.74

$305.19 discount

UndervaluedFair: $362.93Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HRI3 strengths · Avg: 9.3/10
PEG RatioValuation
0.0610/10

Growing faster than its price suggests

Revenue GrowthGrowth
32.3%10/10

Revenue surging 32.3% year-over-year

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

UHAL1 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Areas to Watch

HRI4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Return on EquityProfitability
-0.3%2/10

ROE of -0.3% — below average capital efficiency

EPS GrowthGrowth
-79.0%2/10

Earnings declined 79.0%

Altman Z-ScoreHealth
0.652/10

Distress zone — elevated risk

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

Expensive relative to growth rate

Revenue GrowthGrowth
3.1%4/10

3.1% revenue growth

Return on EquityProfitability
1.7%3/10

ROE of 1.7% — below average capital efficiency

Profit MarginProfitability
1.4%3/10

1.4% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : HRI

The strongest argument for HRI centers on PEG Ratio, Revenue Growth, Price/Book. Revenue growth of 32.3% demonstrates continued momentum. PEG of 0.06 suggests the stock is reasonably priced for its growth.

Bull Case : UHAL

The strongest argument for UHAL centers on Price/Book.

Bear Case : HRI

The primary concerns for HRI are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 5.08 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 258.5x leaves little room for execution misses. Thin 1.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

HRI profiles as a hypergrowth stock while UHAL is a value play — different risk/reward profiles.

HRI carries more volatility with a beta of 1.90 — expect wider price swings.

HRI is growing revenue faster at 32.3% — sustainability is the question.

HRI generates stronger free cash flow (236M), providing more financial flexibility.

Bottom Line

HRI scores higher overall (52/100 vs 40/100) and 32.3% revenue growth. UHAL offers better value entry with a 86.6% margin of safety. Both earn "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.

Herc Holdings Inc

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

Herc Holdings Inc. is an equipment rental provider primarily in the United States and internationally. The company is headquartered in Bonita Springs, Florida.

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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