WallStSmart

U-Haul Holding Company (UHAL)vsU-Haul Holding Company (UHAL-B)

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Smart Verdict

WallStSmart Research — data-driven comparison

U-Haul Holding Company generates 0% more annual revenue ($6.04B vs $6.04B). UHAL-B leads profitability with a 1.4% profit margin vs 1.4%. UHAL-B trades at a lower P/E of 268.5x. UHAL earns a higher WallStSmart Score of 38/100 (F).

UHAL

Hold

38

out of 100

Grade: F

Growth: 3.3Profit: 3.5Value: 5.3Quality: 5.0
Piotroski: 3/9Altman Z: 1.21

UHAL-B

Avoid

34

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

UHALUndervalued (+86.9%)

Margin of Safety

+86.9%

Fair Value

$371.15

Current Price

$75.27

$295.88 discount

UndervaluedFair: $371.15Overvalued

Intrinsic value data unavailable for UHAL-B.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UHAL1 strengths · Avg: 8.0/10
Price/BookValuation
1.9x8/10

Reasonable price relative to book value

UHAL-B1 strengths · Avg: 8.0/10
Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

UHAL4 concerns · Avg: 3.5/10
PEG RatioValuation
2.354/10

Expensive relative to growth rate

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

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 : UHAL

The strongest argument for UHAL centers on Price/Book.

Bull Case : UHAL-B

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

Bear Case : UHAL

The primary concerns for UHAL are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 295.6x leaves little room for execution misses. Thin 1.4% 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 268.5x 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 1.11 — expect wider price swings.

UHAL-B is growing revenue faster at 3.1% — sustainability is the question.

UHAL generates stronger free cash flow (695M), providing more financial flexibility.

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

Bottom Line

UHAL scores higher overall (38/100 vs 34/100). Both earn "Hold" 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.

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.

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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