WallStSmart

Ryder System Inc (R)vsU-Haul Holding Company (UHAL-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ryder System Inc generates 110% more annual revenue ($12.66B vs $6.04B). R leads profitability with a 3.9% profit margin vs 1.4%. R trades at a lower P/E of 23.3x. R earns a higher WallStSmart Score of 55/100 (C-).

R

Buy

55

out of 100

Grade: C-

Growth: 3.3Profit: 6.0Value: 5.3Quality: 4.0
Piotroski: 6/9Altman Z: 1.33

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

RSignificantly Overvalued (-88.3%)

Margin of Safety

-88.3%

Fair Value

$115.38

Current Price

$265.06

$149.68 premium

UndervaluedFair: $115.38Overvalued

Intrinsic value data unavailable for UHAL-B.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

R1 strengths · Avg: 8.0/10
PEG RatioValuation
0.868/10

Growing faster than its price suggests

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

Reasonable price relative to book value

Areas to Watch

R4 concerns · Avg: 2.8/10
EPS GrowthGrowth
2.5%4/10

2.5% earnings growth

Profit MarginProfitability
3.9%3/10

3.9% margin — thin

Revenue GrowthGrowth
-0.2%2/10

Revenue declined 0.2%

Altman Z-ScoreHealth
1.332/10

Distress zone — elevated risk

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 : R

The strongest argument for R centers on PEG Ratio. PEG of 0.86 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 : R

The primary concerns for R are EPS Growth, Profit Margin, Revenue Growth. Debt-to-equity of 3.05 is elevated, increasing financial risk. Thin 3.9% margins leave little buffer for downturns.

Bear Case : UHAL-B

The primary concerns for UHAL-B are Revenue Growth, Return on Equity, Profit Margin. A P/E of 228.5x 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.

R generates stronger free cash flow (156M), providing more financial flexibility.

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

Bottom Line

R scores higher overall (55/100 vs 36/100). 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.

Ryder System Inc

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

Ryder System, Inc. is a global transportation and logistics company. The company is headquartered in Miami, Florida.

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U-Haul Holding Company

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

U-Haul Holding Company, a subsidiary of AMERCO, stands as a premier provider of innovative storage and transportation solutions in North America, boasting an expansive fleet of rental trucks, trailers, and self-storage facilities. With a robust brand presence and an extensive network catering to diverse clientele, from residential customers to large corporations, U-Haul prioritizes affordability and exceptional customer service. The company’s strategic focus on technological advancements and operational efficiency positions it for sustained growth in the expanding do-it-yourself moving sector. As a market leader, U-Haul is well-equipped to leverage the surging consumer demand for flexible moving and storage solutions.

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