WallStSmart

Ryder System Inc (R)vsU-Haul Holding Company (UHAL-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ryder System Inc generates 111% more annual revenue ($12.66B vs $6.00B). R leads profitability with a 3.9% profit margin vs 2.1%. R trades at a lower P/E of 16.1x. R earns a higher WallStSmart Score of 56/100 (C).

R

Buy

56

out of 100

Grade: C

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

UHAL-B

Hold

36

out of 100

Grade: F

Growth: 5.3Profit: 5.5Value: 3.0Quality: 6.5
Piotroski: 2/9Altman Z: 1.34
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RSignificantly Overvalued (-29.5%)

Margin of Safety

-29.5%

Fair Value

$167.86

Current Price

$191.78

$23.92 premium

UndervaluedFair: $167.86Overvalued
UHAL-BSignificantly Overvalued (-1300.0%)

Margin of Safety

-1300.0%

Fair Value

$3.20

Current Price

$39.92

$36.72 premium

UndervaluedFair: $3.20Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

Growing faster than its price suggests

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

UHAL-B1 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Areas to Watch

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
-40.0%2/10

Revenue declined 40.0%

Altman Z-ScoreHealth
1.332/10

Distress zone — elevated risk

UHAL-B4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
1.9%4/10

1.9% revenue growth

Return on EquityProfitability
1.7%3/10

ROE of 1.7% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

Operating MarginProfitability
2.5%3/10

Operating margin of 2.5%

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : UHAL-B

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

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.

Bear Case : UHAL-B

The primary concerns for UHAL-B are Revenue Growth, Return on Equity, Profit Margin. A P/E of 90.2x leaves little room for execution misses. Thin 2.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

UHAL-B carries more volatility with a beta of 1.11 — expect wider price swings.

UHAL-B is growing revenue faster at 1.9% — sustainability is the question.

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

Monitor RENTAL & LEASING SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

R scores higher overall (56/100 vs 36/100). 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.

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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U-Haul Holding Company

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

U-Haul Holding Company, a subsidiary of AMERCO, stands as a leading provider of storage and transportation solutions in North America, offering a diverse range of rental trucks, trailers, and self-storage facilities. With a robust brand reputation and a vast network, U-Haul serves a wide array of clients, from individual households to commercial enterprises. The company's commitment to affordability, convenience, and superior customer experience, alongside ongoing investments in technology and efficiency, positions it favorably for continued growth in the dynamic do-it-yourself moving market. As one of the largest players in the industry, U-Haul is poised to capitalize on increasing consumer demand for flexible moving solutions.

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