WallStSmart

GATX Corporation (GATX)vsU-Haul Holding Company (UHAL-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 217% more annual revenue ($6.04B vs $1.90B). GATX leads profitability with a 17.9% profit margin vs 1.4%. GATX trades at a lower P/E of 18.7x. GATX earns a higher WallStSmart Score of 73/100 (B).

GATX

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 7.0Value: 6.3Quality: 3.0
Piotroski: 3/9Altman Z: 0.68

UHAL-B

Hold

36

out of 100

Grade: F

Growth: 3.3Profit: 3.5Value: 4.0Quality: 4.5
Piotroski: 3/9Altman Z: 1.21

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GATX4 strengths · Avg: 8.5/10
Revenue GrowthGrowth
38.4%10/10

Revenue surging 38.4% year-over-year

PEG RatioValuation
0.648/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Operating MarginProfitability
29.8%8/10

Strong operational efficiency at 29.8%

UHAL-B1 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Areas to Watch

GATX4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-4.32B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.682/10

Distress zone — elevated risk

Debt/EquityHealth
4.551/10

Elevated debt levels

UHAL-B4 concerns · Avg: 3.3/10
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

Debt/EquityHealth
1.073/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : GATX

The strongest argument for GATX centers on Revenue Growth, PEG Ratio, Price/Book. Profitability is solid with margins at 17.9% and operating margin at 29.8%. Revenue growth of 38.4% demonstrates continued momentum.

Bull Case : UHAL-B

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

Bear Case : GATX

The primary concerns for GATX are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 4.55 is elevated, increasing financial risk.

Bear Case : UHAL-B

The primary concerns for UHAL-B are Revenue Growth, Return on Equity, Profit Margin. A P/E of 220.0x leaves little room for execution misses. Thin 1.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

GATX carries more volatility with a beta of 1.19 — expect wider price swings.

GATX is growing revenue faster at 38.4% — sustainability is the question.

UHAL-B generates stronger free cash flow (-1.5B), providing more financial flexibility.

Bottom Line

GATX scores higher overall (73/100 vs 36/100), backed by strong 17.9% margins and 38.4% 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.

GATX Corporation

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

GATX Corporation (NYSE: GATX) strives to be recognized as the best car rental company in the world by our customers, our shareholders, our employees and the communities where we operate. The company is headquartered in Chicago, Illinois since its founding in 1898.

U-Haul Holding Company

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

U-Haul Holding Company, a subsidiary of AMERCO, is a leading provider of innovative storage and transportation solutions across North America, offering a comprehensive range of rental trucks, trailers, and self-storage facilities. The company's strong brand presence and extensive network enable it to serve a diverse customer base, from individual households to large commercial entities. U-Haul's commitment to affordability and customer satisfaction, along with its strategic investments in technology and operational efficiency, underscore its potential for continued growth in the burgeoning do-it-yourself moving industry. As a dominant player in the market, U-Haul is poised to capitalize on the increasing consumer demand for flexible and accessible moving and storage options.

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