WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 537% more annual revenue ($6.04B vs $947.36M). MGRC leads profitability with a 16.4% profit margin vs 1.4%. MGRC trades at a lower P/E of 17.3x. MGRC earns a higher WallStSmart Score of 59/100 (C).

MGRC

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 7.0Value: 5.3Quality: 6.0
Piotroski: 4/9Altman Z: 2.10

UHAL-B

Hold

36

out of 100

Grade: F

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MGRCSignificantly Overvalued (-48.3%)

Margin of Safety

-48.3%

Fair Value

$77.97

Current Price

$108.88

$30.91 premium

UndervaluedFair: $77.97Overvalued

Intrinsic value data unavailable for UHAL-B.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MGRC3 strengths · Avg: 8.0/10
P/E RatioValuation
17.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Operating MarginProfitability
21.9%8/10

Strong operational efficiency at 21.9%

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

Reasonable price relative to book value

Areas to Watch

MGRC2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.6%4/10

1.6% revenue growth

EPS GrowthGrowth
-4.3%2/10

Earnings declined 4.3%

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 : MGRC

The strongest argument for MGRC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 21.9%. PEG of 1.10 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 : MGRC

The primary concerns for MGRC are Revenue Growth, EPS Growth.

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

UHAL-B carries more volatility with a beta of 1.14 — expect wider price swings.

UHAL-B is growing revenue faster at 3.1% — sustainability is the question.

MGRC generates stronger free cash flow (34M), providing more financial flexibility.

Monitor RENTAL & LEASING SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MGRC scores higher overall (59/100 vs 36/100), backed by strong 16.4% margins. 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.

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

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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