WallStSmart

U-Haul Holding Company (UHAL)vsU-Haul Holding Company (UHAL-B)

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Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 0% more annual revenue ($6.00B vs $6.00B). UHAL-B leads profitability with a 2.1% profit margin vs 2.1%. UHAL-B trades at a lower P/E of 102.2x. UHAL earns a higher WallStSmart Score of 40/100 (F).

UHAL

Hold

40

out of 100

Grade: F

Growth: 3.3Profit: 4.0Value: 5.3Quality: 5.0

UHAL-B

Hold

36

out of 100

Grade: F

Growth: 3.3Profit: 4.0Value: 5.7Quality: 5.0
Piotroski: 2/9Altman Z: 1.34
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

UHALUndervalued (+89.7%)

Margin of Safety

+89.7%

Fair Value

$472.34

Current Price

$52.82

$419.52 discount

UndervaluedFair: $472.34Overvalued
UHAL-BUndervalued (+48.1%)

Margin of Safety

+48.1%

Fair Value

$86.28

Current Price

$48.35

$37.93 discount

UndervaluedFair: $86.28Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UHAL1 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

UHAL-B1 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Areas to Watch

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

Expensive relative to growth rate

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

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 : UHAL

The strongest argument for UHAL centers on Price/Book.

Bull Case : UHAL-B

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

Bear Case : UHAL

The primary concerns for UHAL are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 110.8x leaves little room for execution misses. Thin 2.1% 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 102.2x 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.

UHAL-B generates stronger free cash flow (-1.7B), providing more financial flexibility.

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

Bottom Line

UHAL scores higher overall (40/100 vs 36/100). UHAL-B offers better value entry with a 48.1% margin of safety. Both earn "Hold" 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.

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.

U-Haul Holding Company

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

U-Haul Holding Company, a subsidiary of AMERCO, is a prominent provider of storage and transportation solutions across North America, specializing in a wide variety of rental trucks, trailers, and self-storage facilities. With a strong brand reputation and an extensive network, the company caters to a diverse clientele, including individual households and commercial entities. U-Haul's dedication to affordability and customer satisfaction, coupled with strategic investments in technology and operational efficiencies, positions it for sustained growth in the competitive do-it-yourself moving sector. As an industry leader, U-Haul is well-positioned to benefit from the rising consumer demand for flexible and accessible moving solutions.

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