WallStSmart

CNH Industrial N.V. (CNH)vsNow Inc (DNOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 432% more annual revenue ($18.09B vs $3.40B). CNH leads profitability with a 2.1% profit margin vs -4.5%. DNOW earns a higher WallStSmart Score of 55/100 (C).

CNH

Buy

51

out of 100

Grade: C-

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

DNOW

Buy

55

out of 100

Grade: C

Growth: 8.7Profit: 2.5Value: 4.0Quality: 6.5
Piotroski: 2/9Altman Z: 1.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

DNOWSignificantly Overvalued (-32.4%)

Margin of Safety

-32.4%

Fair Value

$12.52

Current Price

$13.23

$0.71 premium

UndervaluedFair: $12.52Overvalued

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

DNOW3 strengths · Avg: 10.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
97.5%10/10

Revenue surging 97.5% year-over-year

EPS GrowthGrowth
90.5%10/10

Earnings expanding 90.5% YoY

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

DNOW4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.604/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-6.6%2/10

ROE of -6.6% — below average capital efficiency

Free Cash FlowQuality
$-103.00M2/10

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 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : DNOW

The strongest argument for DNOW centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 97.5% 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 : DNOW

The primary concerns for DNOW are Altman Z-Score, Piotroski F-Score, Return on Equity.

Key Dynamics to Monitor

CNH profiles as a value stock while DNOW is a hypergrowth play — different risk/reward profiles.

CNH carries more volatility with a beta of 1.23 — expect wider price swings.

DNOW is growing revenue faster at 97.5% — sustainability is the question.

CNH generates stronger free cash flow (-58M), providing more financial flexibility.

Bottom Line

DNOW scores higher overall (55/100 vs 51/100) and 97.5% revenue growth. 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.

Now Inc

INDUSTRIALS · INDUSTRIAL DISTRIBUTION · USA

NOW Inc. distributes downstream power and industrial products for oil refining, chemical processing, LNG terminals, power generation services, and industrial manufacturing operations in the United States, Canada, and internationally. The company is headquartered in Houston, Texas.

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