PROG Holdings Inc (PRG)vsU-Haul Holding Company (UHAL-B)
PRG
PROG Holdings Inc
$36.96
-0.51%
INDUSTRIALS · Cap: $1.52B
UHAL-B
U-Haul Holding Company
$56.44
+0.36%
INDUSTRIALS · Cap: $11.53B
Smart Verdict
WallStSmart Research — data-driven comparison
U-Haul Holding Company generates 133% more annual revenue ($6.09B vs $2.61B). PRG leads profitability with a 5.6% profit margin vs 1.1%. PRG trades at a lower P/E of 12.3x. PRG earns a higher WallStSmart Score of 69/100 (B-).
PRG
Strong Buy69
out of 100
Grade: B-
UHAL-B
Hold42
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-9.8%
Fair Value
$30.79
Current Price
$36.96
$6.17 premium
Intrinsic value data unavailable for UHAL-B.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 22.3% year-over-year
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
5.6% margin — thin
Elevated debt levels
Earnings declined 4.2%
3.2% revenue growth
ROE of 0.6% — below average capital efficiency
1.1% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PRG
The strongest argument for PRG centers on Altman Z-Score, PEG Ratio, P/E Ratio. Revenue growth of 22.3% demonstrates continued momentum. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bull Case : UHAL-B
The strongest argument for UHAL-B centers on Price/Book.
Bear Case : PRG
The primary concerns for PRG are Market Cap, Profit Margin, Debt/Equity.
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
PRG profiles as a growth stock while UHAL-B is a value play — different risk/reward profiles.
PRG carries more volatility with a beta of 1.77 — expect wider price swings.
PRG is growing revenue faster at 22.3% — sustainability is the question.
PRG generates stronger free cash flow (-45M), providing more financial flexibility.
Bottom Line
PRG scores higher overall (69/100 vs 42/100) and 22.3% 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.
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
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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