WallStSmart

CNH Industrial N.V. (CNH)vsCovenant Logistics Group, Inc. (CVLG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 1405% more annual revenue ($18.09B vs $1.20B). CNH leads profitability with a 2.1% profit margin vs 0.4%. CNH trades at a lower P/E of 33.6x. CNH earns a higher WallStSmart Score of 51/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

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

CVLG

Hold

41

out of 100

Grade: D

Growth: 3.3Profit: 4.0Value: 3.0Quality: 5.0
Piotroski: 2/9Altman Z: 1.84
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

CVLGSignificantly Overvalued (-41.8%)

Margin of Safety

-41.8%

Fair Value

$20.63

Current Price

$43.52

$22.89 premium

UndervaluedFair: $20.63Overvalued

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

CVLG1 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

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

CVLG4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Market CapQuality
$1.09B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.3%3/10

ROE of 1.3% — below average capital efficiency

Profit MarginProfitability
0.4%3/10

0.4% margin — thin

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 : CVLG

The strongest argument for CVLG centers on Price/Book. Revenue growth of 14.0% demonstrates continued momentum.

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 : CVLG

The primary concerns for CVLG are Altman Z-Score, Market Cap, Return on Equity. A P/E of 480.2x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

CVLG carries more volatility with a beta of 1.32 — expect wider price swings.

CVLG is growing revenue faster at 14.0% — sustainability is the question.

CVLG generates stronger free cash flow (18M), providing more financial flexibility.

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

Bottom Line

CNH scores higher overall (51/100 vs 41/100). Both earn "Buy" and "Hold" 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.

Covenant Logistics Group, Inc.

INDUSTRIALS · TRUCKING · USA

Covenant Logistics Group, Inc., provides transportation and logistics services in the United States. The company is headquartered in Chattanooga, Tennessee.

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