PROG Holdings Inc (PRG)vsU-Haul Holding Company (UHAL)
PRG
PROG Holdings Inc
$28.99
+0.94%
INDUSTRIALS · Cap: $1.14B
UHAL
U-Haul Holding Company
$45.67
+2.54%
INDUSTRIALS · Cap: $8.46B
Smart Verdict
WallStSmart Research — data-driven comparison
U-Haul Holding Company generates 149% more annual revenue ($6.00B vs $2.41B). PRG leads profitability with a 6.1% profit margin vs 2.1%. PRG appears more attractively valued with a PEG of 0.93. PRG earns a higher WallStSmart Score of 59/100 (C).
PRG
Buy59
out of 100
Grade: C
UHAL
Hold40
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-63.6%
Fair Value
$20.67
Current Price
$28.99
$8.32 premium
Margin of Safety
-1424.1%
Fair Value
$3.20
Current Price
$45.67
$42.47 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Reasonable price relative to book value
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
6.1% margin — thin
Weak financial health signals
Revenue declined 7.8%
Expensive relative to growth rate
1.9% revenue growth
ROE of 1.7% — below average capital efficiency
2.1% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : PRG
The strongest argument for PRG centers on P/E Ratio, Altman Z-Score, PEG Ratio. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bull Case : UHAL
The strongest argument for UHAL centers on Price/Book.
Bear Case : PRG
The primary concerns for PRG are Market Cap, Profit Margin, Piotroski F-Score.
Bear Case : UHAL
The primary concerns for UHAL are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 94.8x leaves little room for execution misses. Thin 2.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
PRG carries more volatility with a beta of 1.77 — expect wider price swings.
UHAL is growing revenue faster at 1.9% — sustainability is the question.
PRG generates stronger free cash flow (-57M), providing more financial flexibility.
Monitor RENTAL & LEASING SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PRG scores higher overall (59/100 vs 40/100). 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.
PROG Holdings Inc
INDUSTRIALS · RENTAL & LEASING SERVICES · USA
PROG Holdings, Inc. is an omnichannel provider of leasing and purchasing solutions for underserved and credit-distressed customers. The company is headquartered in Draper, Utah.
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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