COMP <GO>
UHAL vs R // ALTMAN Z-SCORE & DEBT/EQUITY
U-Haul Holding Company (NYSE) VS. Ryder System Inc. (NYSE) • 15-METRIC TALLY: UHAL 5
— R 7
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: R
LAST: $59.64 (+3.72%) • MKT CAP: $11.18B
balance-sheet
1.10
LAST: $285.58 (+1.07%) • MKT CAP: $10.80B
balance-sheet
1.58
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UHAL VS. R)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UHAL | R | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 67.60% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 5.10% | 5.70% | -0.60 | R | /roic <GO> |
| EV/EBITDA & P/E Valuation | 3.2x | 14.8x | -11.60 | UHAL | /valuation <GO> |
| Free Cash Flow Yield | -12.31% | 18.87% | -31.18 | R | /fcf-yield <GO> |
| Operating Margin | 56.80% | 4.80% | +52.00 | UHAL | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 3.90% | +7.00 | UHAL | /net-margins <GO> |
| Revenue Growth (YoY) | 3.60% | 0.20% | +3.40 | UHAL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.35% | -1.35 | R | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.10 | 1.58 | -0.48 | R | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | R | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.9 | 74.4 | -27.50 | R | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.10 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 123.5x | 20.0x | +103.50 | R | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $11.18B | $10.80B | $378.9M | UHAL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UHAL REV | R REV | UHAL GROSS % | R GROSS % | UHAL FCF | R FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $761.5M | $12.66B | 67.6% | — | -$1.36B | $2.02B |
| FY 2024 | $735.0M | $12.64B | — | — | -$2.00B | $1.70B |
| FY 2023 | $714.4M | $11.78B | — | — | $1.45B | $1.82B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UHAL // BETA —
R // BETA 1.10