WallStSmart

CNH Industrial N.V. (CNH)vsDelta Air Lines Inc (DAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Delta Air Lines Inc generates 260% more annual revenue ($65.18B vs $18.09B). DAL leads profitability with a 6.9% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.58. DAL earns a higher WallStSmart Score of 67/100 (B-).

CNH

Buy

57

out of 100

Grade: C

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

DAL

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 6.0Value: 6.7Quality: 4.5
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.25

$13.11 discount

UndervaluedFair: $23.36Overvalued
DALUndervalued (+19.6%)

Margin of Safety

+19.6%

Fair Value

$88.82

Current Price

$68.45

$20.37 discount

UndervaluedFair: $88.82Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.588/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

DAL5 strengths · Avg: 8.6/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
25.0%9/10

Every $100 of equity generates 25 in profit

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

EPS GrowthGrowth
44.6%8/10

Earnings expanding 44.6% YoY

Free Cash FlowQuality
$1.23B8/10

Generating 1.2B in free cash flow

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%

DAL3 concerns · Avg: 2.7/10
Profit MarginProfitability
6.9%3/10

6.9% margin — thin

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

PEG RatioValuation
39.292/10

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 0.58 suggests the stock is reasonably priced for its growth.

Bull Case : DAL

The strongest argument for DAL centers on P/E Ratio, Return on Equity, Price/Book. Revenue growth of 12.9% 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 : DAL

The primary concerns for DAL are Profit Margin, Operating Margin, PEG Ratio.

Key Dynamics to Monitor

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

DAL is growing revenue faster at 12.9% — sustainability is the question.

DAL generates stronger free cash flow (1.2B), providing more financial flexibility.

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

Bottom Line

DAL scores higher overall (67/100 vs 57/100) and 12.9% 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.

Delta Air Lines Inc

INDUSTRIALS · AIRLINES · USA

Delta Air Lines, Inc., typically referred to as Delta, is one of the major airlines of the United States and a legacy carrier. It is headquartered in Atlanta, Georgia.

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