U-Haul Holding Company (UHAL)vsWillis Lease Finance Corporation (WLFC)
UHAL
U-Haul Holding Company
$45.67
+2.54%
INDUSTRIALS · Cap: $8.46B
WLFC
Willis Lease Finance Corporation
$176.96
+0.71%
INDUSTRIALS · Cap: $1.36B
Smart Verdict
WallStSmart Research — data-driven comparison
U-Haul Holding Company generates 790% more annual revenue ($6.00B vs $674.38M). WLFC leads profitability with a 18.2% profit margin vs 2.1%. WLFC appears more attractively valued with a PEG of 0.94. WLFC earns a higher WallStSmart Score of 71/100 (B).
UHAL
Hold40
out of 100
Grade: F
WLFC
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-1424.1%
Fair Value
$3.20
Current Price
$45.67
$42.47 premium
Margin of Safety
-77.9%
Fair Value
$113.29
Current Price
$176.96
$63.67 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Strong operational efficiency at 45.6%
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 26.1% year-over-year
Areas to Watch
Expensive relative to growth rate
1.9% revenue growth
ROE of 1.7% — below average capital efficiency
2.1% margin — thin
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 3.6%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : UHAL
The strongest argument for UHAL centers on Price/Book.
Bull Case : WLFC
The strongest argument for WLFC centers on P/E Ratio, Operating Margin, PEG Ratio. Profitability is solid with margins at 18.2% and operating margin at 45.6%. Revenue growth of 26.1% demonstrates continued momentum.
Bear Case : UHAL
The primary concerns for UHAL are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 94.8x leaves little room for execution misses. Thin 2.1% margins leave little buffer for downturns.
Bear Case : WLFC
The primary concerns for WLFC are Market Cap, Piotroski F-Score, EPS Growth. Debt-to-equity of 3.14 is elevated, increasing financial risk.
Key Dynamics to Monitor
UHAL profiles as a value stock while WLFC is a growth play — different risk/reward profiles.
UHAL carries more volatility with a beta of 1.11 — expect wider price swings.
WLFC is growing revenue faster at 26.1% — sustainability is the question.
WLFC generates stronger free cash flow (-148M), providing more financial flexibility.
Bottom Line
WLFC scores higher overall (71/100 vs 40/100), backed by strong 18.2% margins and 26.1% revenue growth. 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.
Willis Lease Finance Corporation
INDUSTRIALS · RENTAL & LEASING SERVICES · USA
Willis Lease Finance Corporation is a global lessor and manager of commercial aircraft and aircraft engines. The company is headquartered in Coconut Creek, Florida.
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