WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Rentals Inc generates 173% more annual revenue ($16.36B vs $6.00B). URI leads profitability with a 15.3% profit margin vs 2.1%. URI appears more attractively valued with a PEG of 1.60. URI earns a higher WallStSmart Score of 64/100 (C+).

UHAL

Hold

40

out of 100

Grade: F

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

URI

Buy

64

out of 100

Grade: C+

Growth: 6.7Profit: 8.5Value: 5.0Quality: 4.3
Piotroski: 2/9Altman Z: 1.98
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

Intrinsic value data unavailable for URI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

Reasonable price relative to book value

URI3 strengths · Avg: 8.7/10
Market CapQuality
$59.15B9/10

Large-cap with strong market position

Return on EquityProfitability
28.2%9/10

Every $100 of equity generates 28 in profit

Operating MarginProfitability
23.1%8/10

Strong operational efficiency at 23.1%

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

URI3 concerns · Avg: 3.7/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.984/10

Grey zone — moderate risk

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 15.3% and operating margin at 23.1%.

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 : URI

The primary concerns for URI are PEG Ratio, Altman Z-Score, Piotroski F-Score.

Key Dynamics to Monitor

UHAL profiles as a value stock while URI is a mature 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 7.2% — sustainability is the question.

URI generates stronger free cash flow (681M), providing more financial flexibility.

Bottom Line

URI scores higher overall (64/100 vs 40/100), backed by strong 15.3% margins. UHAL offers better value entry with a 89.7% margin of safety. 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.

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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