WallStSmart

CNH Industrial N.V. (CNH)vsEuroDry Ltd (EDRY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 32299% more annual revenue ($18.09B vs $55.84M). CNH leads profitability with a 2.1% profit margin vs -0.6%. 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

EDRY

Hold

43

out of 100

Grade: D

Growth: 4.7Profit: 4.0Value: 4.7Quality: 5.0
Piotroski: 4/9Altman Z: 1.07
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

EDRYFair Value (-2.0%)

Margin of Safety

-2.0%

Fair Value

$14.04

Current Price

$22.41

$8.37 premium

UndervaluedFair: $14.04Overvalued

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

EDRY2 strengths · Avg: 10.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
38.9%10/10

Revenue surging 38.9% year-over-year

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

EDRY4 concerns · Avg: 2.5/10
Market CapQuality
$64.78M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.073/10

Elevated debt levels

Return on EquityProfitability
-0.3%2/10

ROE of -0.3% — below average capital efficiency

EPS GrowthGrowth
-94.3%2/10

Earnings declined 94.3%

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 : EDRY

The strongest argument for EDRY centers on Price/Book, Revenue Growth. Revenue growth of 38.9% 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 : EDRY

The primary concerns for EDRY are Market Cap, Debt/Equity, Return on Equity.

Key Dynamics to Monitor

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

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

EDRY is growing revenue faster at 38.9% — sustainability is the question.

EDRY generates stronger free cash flow (2M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (51/100 vs 43/100). 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.

EuroDry Ltd

INDUSTRIALS · MARINE SHIPPING · USA

EuroDry Ltd., provides shipping services worldwide. The company is headquartered in Marousi, Greece.

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