PROG Holdings Inc (PRG)vsU-Haul Holding Company (UHAL)
PRG
PROG Holdings Inc
$42.78
-5.10%
INDUSTRIALS · Cap: $1.86B
UHAL
U-Haul Holding Company
$71.62
-2.25%
INDUSTRIALS · Cap: $13.94B
Smart Verdict
WallStSmart Research — data-driven comparison
U-Haul Holding Company generates 143% more annual revenue ($6.04B vs $2.48B). PRG leads profitability with a 6.0% profit margin vs 1.4%. PRG appears more attractively valued with a PEG of 0.93. PRG earns a higher WallStSmart Score of 66/100 (B-).
PRG
Strong Buy66
out of 100
Grade: B-
UHAL
Hold38
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-16.6%
Fair Value
$29.00
Current Price
$42.78
$13.78 premium
Margin of Safety
+86.8%
Fair Value
$369.96
Current Price
$71.62
$298.34 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
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
6.0% margin — thin
Elevated debt levels
Expensive relative to growth rate
3.1% revenue growth
ROE of 0.7% — below average capital efficiency
1.4% 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 11.1% 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 297.1x leaves little room for execution misses. Thin 1.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
PRG carries more volatility with a beta of 1.78 — expect wider price swings.
PRG is growing revenue faster at 11.1% — sustainability is the question.
PRG generates stronger free cash flow (169M), providing more financial flexibility.
Monitor RENTAL & LEASING SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PRG scores higher overall (66/100 vs 38/100) and 11.1% revenue growth. UHAL offers better value entry with a 86.8% 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.
Compare with Other RENTAL & LEASING SERVICES Stocks
Want to dig deeper into these stocks?