The Moat Index
Compare moats, side by side.
Two to four companies, scored on the same five investor questions from their SEC filings — so the comparison is apples to apples. The method is fully public.
VRM · Consumer Discretionary · No moat
Doesn't clear the bar
The balanceSheet component abstained: Insufficient leverage/coverage inputs to score the balance sheet. The other four 20% weights were renormalized over the scored 80%.
UHAL · Consumer Discretionary · No moat
Doesn't clear the bar
The businessTrend component abstained: Fewer than two aligned fiscal years of revenue and diluted EPS are available; the filing history does not contain a measurable trend. The other four 20% weights were renormalized over the scored 80%.
| Measure | VRM | UFI | UHAL |
|---|---|---|---|
| Moat Score (0–100) | 9 | 12 (highest) | 11 |
| Methodology version | moat-index@3.0.0 | moat-index@3.0.0 | moat-index@3.0.0 |
| Business trend | 10 | 22 (highest) | — |
| Pricing power | 0 (highest) | 0 (highest) | 0 (highest) |
| Returns on capital | 0 | 0 | 22 (highest) |
| Balance-sheet safety | — | 0 (highest) | 0 (highest) |
| Capital allocation | 24 | 38 (highest) | 20 |
| No price data | No price data | No price data | |
| Market cap | $12.9M | $115M | Not reported |
| Moat tier | No moat | No moat | No moat |
| Filing date | FY2025 | FY2025 | FY2026 |