WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Rentals Inc generates 168% more annual revenue ($16.10B vs $6.00B). URI leads profitability with a 15.5% profit margin vs 2.1%. URI appears more attractively valued with a PEG of 1.21. URI earns a higher WallStSmart Score of 60/100 (C+).

UHAL

Hold

40

out of 100

Grade: F

Growth: 5.3Profit: 5.5Value: 4.7Quality: 5.0

URI

Buy

60

out of 100

Grade: C+

Growth: 4.7Profit: 9.0Value: 7.3Quality: 4.3
Piotroski: 2/9Altman Z: 1.98
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

UHALSignificantly Overvalued (-1458.2%)

Margin of Safety

-1458.2%

Fair Value

$3.13

Current Price

$42.28

$39.15 premium

UndervaluedFair: $3.13Overvalued
URISignificantly Overvalued (-232.6%)

Margin of Safety

-232.6%

Fair Value

$262.75

Current Price

$710.47

$447.72 premium

UndervaluedFair: $262.75Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UHAL1 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

URI2 strengths · Avg: 8.5/10
Return on EquityProfitability
28.4%9/10

Every $100 of equity generates 28 in profit

Operating MarginProfitability
25.2%8/10

Strong operational efficiency at 25.2%

Areas to Watch

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

Expensive relative to growth rate

Revenue GrowthGrowth
1.9%4/10

1.9% revenue growth

Return on EquityProfitability
1.7%3/10

ROE of 1.7% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

URI4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.8%4/10

2.8% revenue growth

Altman Z-ScoreHealth
1.984/10

Grey zone — moderate risk

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-1.9%2/10

Earnings declined 1.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : UHAL

The strongest argument for UHAL centers on Price/Book.

Bull Case : URI

The strongest argument for URI centers on Return on Equity, Operating Margin. Profitability is solid with margins at 15.5% and operating margin at 25.2%. PEG of 1.21 suggests the stock is reasonably priced for its growth.

Bear Case : UHAL

The primary concerns for UHAL are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 98.9x leaves little room for execution misses. Thin 2.1% margins leave little buffer for downturns.

Bear Case : URI

The primary concerns for URI are Revenue Growth, Altman Z-Score, Piotroski F-Score.

Key Dynamics to Monitor

URI carries more volatility with a beta of 1.65 — expect wider price swings.

URI is growing revenue faster at 2.8% — sustainability is the question.

URI generates stronger free cash flow (577M), providing more financial flexibility.

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

Bottom Line

URI scores higher overall (60/100 vs 40/100), backed by strong 15.5% margins. 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.

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.

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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