WallStSmart

U-Haul Holding Company (UHAL-B)vsUnited Rentals Inc (URI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Rentals Inc generates 176% more annual revenue ($16.83B vs $6.09B). URI leads profitability with a 15.7% profit margin vs 1.1%. URI trades at a lower P/E of 23.8x. URI earns a higher WallStSmart Score of 72/100 (B).

UHAL-B

Hold

42

out of 100

Grade: D

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

URI

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 9.0Value: 5.7Quality: 4.0
Piotroski: 2/9Altman Z: 1.98

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UHAL-B1 strengths · Avg: 10.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

URI4 strengths · Avg: 8.5/10
Market CapQuality
$61.57B9/10

Large-cap with strong market position

Return on EquityProfitability
28.6%9/10

Every $100 of equity generates 29 in profit

Operating MarginProfitability
26.0%8/10

Strong operational efficiency at 26.0%

EPS GrowthGrowth
25.5%8/10

Earnings expanding 25.5% YoY

Areas to Watch

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

URI4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.984/10

Grey zone — moderate risk

Debt/EquityHealth
1.673/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-261.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : UHAL-B

The strongest argument for UHAL-B centers on Price/Book.

Bull Case : URI

The strongest argument for URI centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 15.7% and operating margin at 26.0%. Revenue growth of 11.8% demonstrates continued momentum.

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.

Bear Case : URI

The primary concerns for URI are Altman Z-Score, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.67 is elevated, increasing financial risk.

Key Dynamics to Monitor

UHAL-B profiles as a value stock while URI is a mature play — different risk/reward profiles.

URI carries more volatility with a beta of 1.79 — expect wider price swings.

URI is growing revenue faster at 11.8% — sustainability is the question.

UHAL-B generates stronger free cash flow (-192M), providing more financial flexibility.

Bottom Line

URI scores higher overall (72/100 vs 42/100), backed by strong 15.7% margins and 11.8% revenue growth. 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.

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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United Rentals Inc

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

United Rentals, Inc. (NYSE: URI) is the world's largest equipment rental company, with about 13 percent of the North American market share as of 2019.

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