WallStSmart

U-Haul Holding Company (UHAL)vsUnited Rentals Inc (URI)

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Smart Verdict

WallStSmart Research — data-driven comparison

United Rentals Inc generates 187% more annual revenue ($17.50B vs $6.09B). URI leads profitability with a 16.3% profit margin vs 1.1%. URI appears more attractively valued with a PEG of 1.39. URI earns a higher WallStSmart Score of 72/100 (B).

UHAL

Hold

46

out of 100

Grade: D+

Growth: 3.3Profit: 5.0Value: 5.3Quality: 5.0
Piotroski: 3/9Altman Z: 1.21

URI

Strong Buy

72

out of 100

Grade: B

Growth: 8.7Profit: 9.0Value: 5.7Quality: 4.0
Piotroski: 2/9Altman Z: 1.98
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

UHALUndervalued (+87.2%)

Margin of Safety

+87.2%

Fair Value

$380.16

Current Price

$56.74

$323.42 discount

UndervaluedFair: $380.16Overvalued

Intrinsic value data unavailable for URI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UHAL1 strengths · Avg: 10.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

URI5 strengths · Avg: 8.4/10
Market CapQuality
$72.45B9/10

Large-cap with strong market position

Return on EquityProfitability
29.5%9/10

Every $100 of equity generates 29 in profit

Operating MarginProfitability
29.2%8/10

Strong operational efficiency at 29.2%

Revenue GrowthGrowth
15.7%8/10

15.7% revenue growth

EPS GrowthGrowth
35.4%8/10

Earnings expanding 35.4% YoY

Areas to Watch

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

Expensive relative to growth rate

Revenue GrowthGrowth
3.2%4/10

3.2% revenue growth

Return on EquityProfitability
0.6%3/10

ROE of 0.6% — below average capital efficiency

Profit MarginProfitability
1.1%3/10

1.1% margin — thin

URI4 concerns · Avg: 3.5/10
P/E RatioValuation
25.8x4/10

Moderate valuation

Altman Z-ScoreHealth
1.984/10

Grey zone — moderate risk

Debt/EquityHealth
1.643/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : UHAL

The strongest argument for UHAL centers on Price/Book.

Bull Case : URI

The strongest argument for URI centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 16.3% and operating margin at 29.2%. Revenue growth of 15.7% demonstrates continued momentum.

Bear Case : UHAL

The primary concerns for UHAL are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 397.3x leaves little room for execution misses. Thin 1.1% margins leave little buffer for downturns.

Bear Case : URI

The primary concerns for URI are P/E Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 1.64 is elevated, increasing financial risk.

Key Dynamics to Monitor

UHAL profiles as a value stock while URI is a growth play — different risk/reward profiles.

URI carries more volatility with a beta of 1.83 — expect wider price swings.

URI is growing revenue faster at 15.7% — sustainability is the question.

URI generates stronger free cash flow (-105M), providing more financial flexibility.

Bottom Line

URI scores higher overall (72/100 vs 46/100), backed by strong 16.3% margins and 15.7% revenue growth. UHAL offers better value entry with a 87.2% margin of safety. 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.

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.

United Rentals Inc

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

United Rentals, Inc. (NYSE: URI) is the world's largest equipment rental company, with about 13 percent of the North American market share as of 2019.

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