WallStSmart

PROG Holdings Inc (PRG)vsU-Haul Holding Company (UHAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 149% more annual revenue ($6.00B vs $2.41B). PRG leads profitability with a 6.1% profit margin vs 2.1%. PRG appears more attractively valued with a PEG of 0.93. PRG earns a higher WallStSmart Score of 59/100 (C).

PRG

Buy

59

out of 100

Grade: C

Growth: 2.0Profit: 7.0Value: 7.3Quality: 7.3
Piotroski: 2/9Altman Z: 4.63

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

PRGSignificantly Overvalued (-63.6%)

Margin of Safety

-63.6%

Fair Value

$20.67

Current Price

$28.99

$8.32 premium

UndervaluedFair: $20.67Overvalued
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

PRG4 strengths · Avg: 9.0/10
P/E RatioValuation
9.4x10/10

Attractively priced relative to earnings

Altman Z-ScoreHealth
4.6310/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.938/10

Growing faster than its price suggests

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

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

Reasonable price relative to book value

Areas to Watch

PRG4 concerns · Avg: 2.8/10
Market CapQuality
$1.14B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
6.1%3/10

6.1% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-7.8%2/10

Revenue declined 7.8%

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 : PRG

The strongest argument for PRG centers on P/E Ratio, Altman Z-Score, PEG Ratio. 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, Piotroski F-Score.

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

PRG carries more volatility with a beta of 1.77 — expect wider price swings.

UHAL is growing revenue faster at 1.9% — sustainability is the question.

PRG generates stronger free cash flow (-57M), providing more financial flexibility.

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

Bottom Line

PRG scores higher overall (59/100 vs 40/100). 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.

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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