CNH Industrial N.V. (CNH)vsDeluxe Corporation (DLX)
CNH
CNH Industrial N.V.
$13.58
+0.59%
INDUSTRIALS · Cap: $23.16B
DLX
Deluxe Corporation
$23.62
-0.08%
INDUSTRIALS · Cap: $1.08B
Smart Verdict
WallStSmart Research — data-driven comparison
CNH Industrial N.V. generates 761% more annual revenue ($18.19B vs $2.11B). DLX leads profitability with a 4.8% profit margin vs 1.7%. CNH appears more attractively valued with a PEG of 0.38. DLX earns a higher WallStSmart Score of 57/100 (C).
CNH
Hold49
out of 100
Grade: D+
DLX
Buy57
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CNH.
Margin of Safety
+31.2%
Fair Value
$38.20
Current Price
$23.62
$14.58 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
2.0% revenue growth
Distress zone — elevated risk
ROE of 4.0% — below average capital efficiency
1.7% margin — thin
Smaller company, higher risk/reward
4.8% margin — thin
Revenue declined 4.2%
Earnings declined 17.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : CNH
The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.38 suggests the stock is reasonably priced for its growth.
Bull Case : DLX
The strongest argument for DLX centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.46 suggests the stock is reasonably priced for its growth.
Bear Case : CNH
The primary concerns for CNH are Revenue Growth, Altman Z-Score, Return on Equity. A P/E of 57.6x leaves little room for execution misses. Debt-to-equity of 3.39 is elevated, increasing financial risk.
Bear Case : DLX
The primary concerns for DLX are Market Cap, Profit Margin, Revenue Growth. Debt-to-equity of 2.07 is elevated, increasing financial risk. Thin 4.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
CNH carries more volatility with a beta of 1.24 — expect wider price swings.
CNH is growing revenue faster at 2.0% — sustainability is the question.
DLX generates stronger free cash flow (86M), providing more financial flexibility.
Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
DLX scores higher overall (57/100 vs 49/100). 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.
Deluxe Corporation
INDUSTRIALS · CONGLOMERATES · USA
Deluxe Corporation provides technology-based solutions for small businesses and financial institutions in the United States, Canada, Australia, South America, and Europe. The company is headquartered in Shoreview, Minnesota.
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