WallStSmart

CNH Industrial N.V. (CNH)vsCresud SACIF y A (CRESY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cresud SACIF y A generates 5653% more annual revenue ($1.04T vs $18.09B). CRESY leads profitability with a 18.0% profit margin vs 2.1%. CRESY trades at a lower P/E of 5.4x. CRESY earns a higher WallStSmart Score of 55/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.89

CRESY

Buy

55

out of 100

Grade: C-

Growth: 4.7Profit: 6.0Value: 6.7Quality: 3.5
Piotroski: 3/9Altman Z: 0.83

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.618/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

CRESY2 strengths · Avg: 10.0/10
P/E RatioValuation
5.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
33.6x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

Return on EquityProfitability
5.0%3/10

ROE of 5.0% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

CRESY4 concerns · Avg: 2.8/10
Market CapQuality
$777.34M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.493/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-26.3%2/10

Earnings declined 26.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : CRESY

The strongest argument for CRESY centers on P/E Ratio, Price/Book. Profitability is solid with margins at 18.0% and operating margin at 12.2%.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Debt-to-equity of 3.37 is elevated, increasing financial risk. Thin 2.1% margins leave little buffer for downturns.

Bear Case : CRESY

The primary concerns for CRESY are Market Cap, Debt/Equity, Piotroski F-Score.

Key Dynamics to Monitor

CNH carries more volatility with a beta of 1.23 — expect wider price swings.

CRESY is growing revenue faster at 5.0% — sustainability is the question.

CNH generates stronger free cash flow (-58M), providing more financial flexibility.

Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CRESY scores higher overall (55/100 vs 51/100), backed by strong 18.0% margins. 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.

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.

Cresud SACIF y A

INDUSTRIALS · CONGLOMERATES · USA

Cresud Sociedad Annima Comercial, Inmobiliaria, Financiera y Agropecuaria, an agricultural company, produces agricultural commodities in Brazil and other Latin American countries. The company is headquartered in Buenos Aires, Argentina.

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