WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ryder System Inc generates 111% more annual revenue ($12.82B vs $6.09B). R leads profitability with a 3.9% profit margin vs 1.1%. R trades at a lower P/E of 19.3x. R earns a higher WallStSmart Score of 59/100 (C).

R

Buy

59

out of 100

Grade: C

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

UHAL-B

Hold

42

out of 100

Grade: D

Growth: 3.3Profit: 5.0Value: 4.0Quality: 5.0
Piotroski: 3/9Altman Z: 1.21
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RSignificantly Overvalued (-78.9%)

Margin of Safety

-78.9%

Fair Value

$121.46

Current Price

$237.14

$115.68 premium

UndervaluedFair: $121.46Overvalued

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
1.4x10/10

Reasonable price relative to book value

Areas to Watch

R3 concerns · Avg: 2.0/10
Profit MarginProfitability
3.9%3/10

3.9% margin — thin

Altman Z-ScoreHealth
1.332/10

Distress zone — elevated risk

Debt/EquityHealth
2.941/10

Elevated debt levels

UHAL-B4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
3.2%4/10

3.2% revenue growth

Return on EquityProfitability
0.6%3/10

ROE of 0.6% — below average capital efficiency

Profit MarginProfitability
1.1%3/10

1.1% margin — thin

Debt/EquityHealth
1.063/10

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 Profit Margin, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.94 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 404.9x leaves little room for execution misses. Thin 1.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

UHAL-B carries more volatility with a beta of 1.08 — expect wider price swings.

R is growing revenue faster at 5.0% — sustainability is the question.

R generates stronger free cash flow (272M), providing more financial flexibility.

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

Bottom Line

R scores higher overall (59/100 vs 42/100). 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, 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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