WallStSmart

McGrath RentCorp (MGRC)vsU-Haul Holding Company (UHAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 535% more annual revenue ($6.00B vs $944.24M). MGRC leads profitability with a 16.6% profit margin vs 2.1%. MGRC appears more attractively valued with a PEG of 1.03. MGRC earns a higher WallStSmart Score of 69/100 (B-).

MGRC

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 10.0Quality: 5.0

UHAL

Hold

40

out of 100

Grade: F

Growth: 5.3Profit: 4.0Value: 4.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MGRCUndervalued (+61.1%)

Margin of Safety

+61.1%

Fair Value

$297.18

Current Price

$109.44

$187.74 discount

UndervaluedFair: $297.18Overvalued
UHALSignificantly Overvalued (-1424.1%)

Margin of Safety

-1424.1%

Fair Value

$3.20

Current Price

$45.67

$42.47 premium

UndervaluedFair: $3.20Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MGRC4 strengths · Avg: 8.0/10
P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Operating MarginProfitability
28.9%8/10

Strong operational efficiency at 28.9%

EPS GrowthGrowth
28.1%8/10

Earnings expanding 28.1% YoY

UHAL1 strengths · Avg: 10.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Areas to Watch

MGRC0 concerns · Avg: 0/10

No major concerns identified

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

Comparative Analysis Report

WallStSmart Research

Bull Case : MGRC

The strongest argument for MGRC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.6% and operating margin at 28.9%. PEG of 1.03 suggests the stock is reasonably priced for its growth.

Bull Case : UHAL

The strongest argument for UHAL centers on Price/Book.

Bear Case : MGRC

No major red flags identified for MGRC, but monitor valuation.

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.

Key Dynamics to Monitor

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

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

MGRC is growing revenue faster at 5.3% — sustainability is the question.

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

Bottom Line

MGRC scores higher overall (69/100 vs 40/100), backed by strong 16.6% margins. 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.

McGrath RentCorp

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

McGrath RentCorp is a business-to-business rental company in the United States and internationally. The company is headquartered in Livermore, California.

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.

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