PROG Holdings Inc (PRG)vsU-Haul Holding Company (UHAL)
PRG
PROG Holdings Inc
$30.88
+4.29%
INDUSTRIALS · Cap: $1.24B
UHAL
U-Haul Holding Company
$55.15
-0.85%
INDUSTRIALS · Cap: $10.87B
Smart Verdict
WallStSmart Research — data-driven comparison
U-Haul Holding Company generates 133% more annual revenue ($6.09B vs $2.61B). PRG leads profitability with a 5.6% profit margin vs 1.1%. PRG appears more attractively valued with a PEG of 0.93. PRG earns a higher WallStSmart Score of 69/100 (B-).
PRG
Strong Buy69
out of 100
Grade: B-
UHAL
Hold46
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-9.9%
Fair Value
$30.75
Current Price
$30.88
$0.13 premium
Margin of Safety
+87.2%
Fair Value
$379.70
Current Price
$55.15
$324.55 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 22.3% year-over-year
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
5.6% margin — thin
Elevated debt levels
Earnings declined 4.2%
Expensive relative to growth rate
3.2% revenue growth
ROE of 0.6% — below average capital efficiency
1.1% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : PRG
The strongest argument for PRG centers on P/E Ratio, Altman Z-Score, PEG Ratio. Revenue growth of 22.3% demonstrates continued momentum. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bull Case : UHAL
The strongest argument for UHAL centers on Price/Book.
Bear Case : PRG
The primary concerns for PRG are Market Cap, Profit Margin, Debt/Equity.
Bear Case : UHAL
The primary concerns for UHAL are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 397.3x leaves little room for execution misses. Thin 1.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
PRG profiles as a growth stock while UHAL is a value play — different risk/reward profiles.
PRG carries more volatility with a beta of 1.78 — expect wider price swings.
PRG is growing revenue faster at 22.3% — sustainability is the question.
PRG generates stronger free cash flow (-45M), providing more financial flexibility.
Bottom Line
PRG scores higher overall (69/100 vs 46/100) and 22.3% revenue growth. UHAL offers better value entry with a 87.2% margin of safety. 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.
PROG Holdings Inc
INDUSTRIALS · RENTAL & LEASING SERVICES · USA
PROG Holdings, Inc. is an omnichannel provider of leasing and purchasing solutions for underserved and credit-distressed customers. The company is headquartered in Draper, Utah.
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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