WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Rentals Inc generates 171% more annual revenue ($16.36B vs $6.04B). URI leads profitability with a 15.3% profit margin vs 1.4%. URI appears more attractively valued with a PEG of 1.76. URI earns a higher WallStSmart Score of 62/100 (C+).

UHAL

Hold

40

out of 100

Grade: D

Growth: 3.3Profit: 3.5Value: 5.3Quality: 4.5
Piotroski: 3/9Altman Z: 1.21

URI

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 8.5Value: 5.0Quality: 4.0
Piotroski: 2/9Altman Z: 1.98
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

UHALUndervalued (+86.6%)

Margin of Safety

+86.6%

Fair Value

$363.68

Current Price

$57.74

$305.94 discount

UndervaluedFair: $363.68Overvalued

Intrinsic value data unavailable for URI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UHAL1 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

URI3 strengths · Avg: 8.7/10
Market CapQuality
$67.91B9/10

Large-cap with strong market position

Return on EquityProfitability
27.9%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
3.1%4/10

3.1% revenue growth

Return on EquityProfitability
0.7%3/10

ROE of 0.7% — below average capital efficiency

Profit MarginProfitability
1.4%3/10

1.4% margin — thin

URI4 concerns · Avg: 3.8/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

P/E RatioValuation
27.7x4/10

Moderate valuation

Altman Z-ScoreHealth
1.984/10

Grey zone — moderate risk

Debt/EquityHealth
1.673/10

Elevated debt levels

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 261.5x leaves little room for execution misses. Thin 1.4% margins leave little buffer for downturns.

Bear Case : URI

The primary concerns for URI are PEG Ratio, P/E Ratio, Altman Z-Score. Debt-to-equity of 1.67 is elevated, increasing financial risk.

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 1.82 — 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 (62/100 vs 40/100), backed by strong 15.3% margins. UHAL offers better value entry with a 86.6% 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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