WallStSmart

CNH Industrial N.V. (CNH)vsCintas Corporation (CTAS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 64% more annual revenue ($18.09B vs $11.03B). CTAS leads profitability with a 17.6% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. CTAS earns a higher WallStSmart Score of 58/100 (C).

CNH

Buy

57

out of 100

Grade: C

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

CTAS

Buy

58

out of 100

Grade: C

Growth: 6.0Profit: 9.0Value: 2.7Quality: 7.3
Piotroski: 6/9Altman Z: 4.29
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
CTASSignificantly Overvalued (-29.5%)

Margin of Safety

-29.5%

Fair Value

$154.77

Current Price

$173.95

$19.18 premium

UndervaluedFair: $154.77Overvalued

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

CTAS4 strengths · Avg: 9.3/10
Return on EquityProfitability
41.3%10/10

Every $100 of equity generates 41 in profit

Altman Z-ScoreHealth
4.2910/10

Safe zone — low bankruptcy risk

Market CapQuality
$69.90B9/10

Large-cap with strong market position

Operating MarginProfitability
23.2%8/10

Strong operational efficiency at 23.2%

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%

CTAS3 concerns · Avg: 3.3/10
P/E RatioValuation
36.9x4/10

Premium valuation, high expectations priced in

Price/BookValuation
14.5x4/10

Trading at 14.5x book value

PEG RatioValuation
2.772/10

Expensive relative to growth rate

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 : CTAS

The strongest argument for CTAS centers on Return on Equity, Altman Z-Score, Market Cap. Profitability is solid with margins at 17.6% and operating margin at 23.2%.

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 : CTAS

The primary concerns for CTAS are P/E Ratio, Price/Book, PEG Ratio.

Key Dynamics to Monitor

CNH profiles as a value stock while CTAS is a mature play — different risk/reward profiles.

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

CTAS is growing revenue faster at 8.9% — sustainability is the question.

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

Bottom Line

CTAS scores higher overall (58/100 vs 57/100), backed by strong 17.6% margins. CNH offers better value entry with a 45.2% 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.

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.

Cintas Corporation

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

Cintas Corporation is an American corporation headquartered in Cincinnati, Ohio, which provides a range of products and services to businesses including uniforms, mats, mops, cleaning and restroom supplies, first aid and safety products, fire extinguishers and testing, and safety courses.

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