PROG Holdings Inc (PRG)vsU-Haul Holding Company (UHAL-B)
PRG
PROG Holdings Inc
$42.78
-5.10%
INDUSTRIALS · Cap: $1.86B
UHAL-B
U-Haul Holding Company
$62.87
-0.65%
INDUSTRIALS · Cap: $12.60B
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 trades at a lower P/E of 11.8x. PRG earns a higher WallStSmart Score of 66/100 (B-).
PRG
Strong Buy66
out of 100
Grade: B-
UHAL-B
Avoid34
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
Intrinsic value data unavailable for UHAL-B.
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
3.1% revenue growth
ROE of 0.7% — below average capital efficiency
1.4% margin — thin
Elevated debt levels
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-B
The strongest argument for UHAL-B centers on Price/Book.
Bear Case : PRG
The primary concerns for PRG are Market Cap, Profit Margin, Debt/Equity.
Bear Case : UHAL-B
The primary concerns for UHAL-B are Revenue Growth, Return on Equity, Profit Margin. A P/E of 268.5x 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 34/100) and 11.1% revenue growth. Both earn "Strong Buy" and "Avoid" 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
U-Haul Holding Company, a subsidiary of AMERCO, is a leading provider of innovative storage and transportation solutions across North America, characterized by its extensive fleet of rental trucks, trailers, and self-storage facilities. The company capitalizes on a strong brand and vast network, serving a diverse clientele that includes both residential and corporate customers. U-Haul’s commitment to affordability, exceptional customer service, and strategic investments in technology and operational efficiency position it favorably for sustained growth in the burgeoning do-it-yourself moving sector, catering to the increasing consumer appetite for flexible moving and storage options. As a dominant player in the industry, U-Haul is well-placed to harness rising demand and drive long-term value for its stakeholders.
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