WallStSmart

AerCap Holdings NV (AER)vsU-Haul Holding Company (UHAL-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AerCap Holdings NV generates 45% more annual revenue ($8.68B vs $6.00B). AER leads profitability with a 45.2% profit margin vs 2.1%. AER trades at a lower P/E of 6.5x. AER earns a higher WallStSmart Score of 85/100 (A-).

AER

Exceptional Buy

85

out of 100

Grade: A-

Growth: 7.3Profit: 8.5Value: 6.7Quality: 4.3
Piotroski: 7/9Altman Z: 0.90

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

AERSignificantly Overvalued (-35.3%)

Margin of Safety

-35.3%

Fair Value

$109.60

Current Price

$150.00

$40.40 premium

UndervaluedFair: $109.60Overvalued
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

AER6 strengths · Avg: 9.5/10
P/E RatioValuation
6.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
45.2%10/10

Keeps 45 of every $100 in revenue as profit

Operating MarginProfitability
60.9%10/10

Strong operational efficiency at 60.9%

Return on EquityProfitability
22.1%9/10

Every $100 of equity generates 22 in profit

PEG RatioValuation
0.808/10

Growing faster than its price suggests

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

Reasonable price relative to book value

Areas to Watch

AER2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-69.91M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.902/10

Distress zone — elevated risk

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 : AER

The strongest argument for AER centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 45.2% and operating margin at 60.9%. PEG of 0.80 suggests the stock is reasonably priced for its growth.

Bull Case : UHAL-B

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

Bear Case : AER

The primary concerns for AER are Free Cash Flow, Altman Z-Score.

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

AER profiles as a mature stock while UHAL-B is a value play — different risk/reward profiles.

UHAL-B carries more volatility with a beta of 1.11 — expect wider price swings.

AER is growing revenue faster at 7.9% — sustainability is the question.

AER generates stronger free cash flow (-70M), providing more financial flexibility.

Bottom Line

AER scores higher overall (85/100 vs 36/100), backed by strong 45.2% margins. UHAL-B offers better value entry with a 48.1% margin of safety. Both earn "Exceptional 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.

AerCap Holdings NV

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

AerCap Holdings NV is engaged in the leasing, financing, sale and management of commercial aircraft and engines in mainland China, Hong Kong, Macau, the United States, Ireland and internationally. The company is headquartered in Dublin, Ireland.

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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