CBIZ Inc (CBZ)vsCNH Industrial N.V. (CNH)
CBZ
CBIZ Inc
$30.50
-8.05%
INDUSTRIALS · Cap: $1.82B
CNH
CNH Industrial N.V.
$10.08
+0.40%
INDUSTRIALS · Cap: $12.51B
Smart Verdict
WallStSmart Research — data-driven comparison
CNH Industrial N.V. generates 556% more annual revenue ($18.09B vs $2.76B). CBZ leads profitability with a 4.2% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. CNH earns a higher WallStSmart Score of 57/100 (C).
CBZ
Buy53
out of 100
Grade: C-
CNH
Buy57
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.2%
Fair Value
$52.69
Current Price
$30.50
$22.19 discount
Margin of Safety
+45.2%
Fair Value
$23.36
Current Price
$10.08
$13.28 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
17.9% revenue growth
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 6.5% — below average capital efficiency
4.2% margin — thin
Distress zone — elevated risk
ROE of 6.5% — below average capital efficiency
2.8% margin — thin
Operating margin of 1.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : CBZ
The strongest argument for CBZ centers on Price/Book, Revenue Growth. Revenue growth of 17.9% demonstrates continued momentum. PEG of 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : CNH
The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bear Case : CBZ
The primary concerns for CBZ are Altman Z-Score, Market Cap, Return on Equity. Thin 4.2% margins leave little buffer for downturns.
Bear Case : CNH
The primary concerns for CNH are Altman Z-Score, Return on Equity, Profit Margin. Thin 2.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
CBZ profiles as a growth stock while CNH is a value play — different risk/reward profiles.
CNH carries more volatility with a beta of 1.33 — expect wider price swings.
CBZ is growing revenue faster at 17.9% — sustainability is the question.
CNH generates stronger free cash flow (533M), providing more financial flexibility.
Bottom Line
CNH scores higher overall (57/100 vs 53/100). CBZ offers better value entry with a 42.2% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CBIZ Inc
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
CBIZ, Inc. provides financial, insurance and advisory services in the United States and Canada. The company is headquartered in Cleveland, Ohio.
CNH Industrial N.V.
INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA
CNH Industrial N.V., an equipment and services company, engages in the design, production, marketing, sale, and financing of agricultural and construction equipment in North America, Europe, the Middle East, Africa, South America, and the Asia Pacific. The company is headquartered in Basildon, the United Kingdom.
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