WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cresud SACIF y A generates 5529% more annual revenue ($1.02T vs $18.09B). CRESY leads profitability with a 19.2% profit margin vs 2.8%. CRESY trades at a lower P/E of 5.1x. CRESY earns a higher WallStSmart Score of 75/100 (B).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 8.0Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

CRESY

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.0Value: 6.7Quality: 3.5
Piotroski: 3/9Altman Z: 0.83
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.08

$13.28 discount

UndervaluedFair: $23.36Overvalued

Intrinsic value data unavailable for CRESY.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.578/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

CRESY6 strengths · Avg: 9.2/10
P/E RatioValuation
5.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

EPS GrowthGrowth
182.3%10/10

Earnings expanding 182.3% YoY

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

Revenue GrowthGrowth
20.3%8/10

Revenue surging 20.3% year-over-year

Areas to Watch

CNH4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.544/10

Distress zone — elevated risk

Return on EquityProfitability
6.5%3/10

ROE of 6.5% — below average capital efficiency

Profit MarginProfitability
2.8%3/10

2.8% margin — thin

Operating MarginProfitability
1.9%3/10

Operating margin of 1.9%

CRESY4 concerns · Avg: 2.8/10
Market CapQuality
$781.86M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.963/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-26.17B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : CRESY

The strongest argument for CRESY centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 19.2% and operating margin at 24.3%. Revenue growth of 20.3% demonstrates continued momentum.

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.

Bear Case : CRESY

The primary concerns for CRESY are Market Cap, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.96 is elevated, increasing financial risk.

Key Dynamics to Monitor

CNH profiles as a value stock while CRESY is a growth play — different risk/reward profiles.

CNH carries more volatility with a beta of 1.33 — expect wider price swings.

CRESY is growing revenue faster at 20.3% — sustainability is the question.

CNH generates stronger free cash flow (533M), providing more financial flexibility.

Bottom Line

CRESY scores higher overall (75/100 vs 57/100), backed by strong 19.2% margins and 20.3% revenue growth. CNH offers better value entry with a 45.2% margin of safety. Both earn "Strong 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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