WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 34522% more annual revenue ($18.09B vs $52.26M). CNH leads profitability with a 2.8% profit margin vs -8.2%. CNH earns a higher WallStSmart Score of 57/100 (C).

CNH

Buy

57

out of 100

Grade: C

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

EDRY

Hold

40

out of 100

Grade: D

Growth: 4.0Profit: 4.5Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.08

$13.28 discount

UndervaluedFair: $23.36Overvalued
EDRYUndervalued (+45.7%)

Margin of Safety

+45.7%

Fair Value

$26.37

Current Price

$19.52

$6.85 discount

UndervaluedFair: $26.37Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.578/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EDRY3 strengths · Avg: 8.7/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Operating MarginProfitability
26.7%8/10

Strong operational efficiency at 26.7%

Revenue GrowthGrowth
19.9%8/10

19.9% revenue growth

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%

EDRY4 concerns · Avg: 2.0/10
Market CapQuality
$60.30M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-3.6%2/10

ROE of -3.6% — below average capital efficiency

EPS GrowthGrowth
-94.3%2/10

Earnings declined 94.3%

Profit MarginProfitability
-8.2%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.57 suggests the stock is reasonably priced for its growth.

Bull Case : EDRY

The strongest argument for EDRY centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 19.9% 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 : EDRY

The primary concerns for EDRY are Market Cap, Return on Equity, EPS Growth.

Key Dynamics to Monitor

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

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

EDRY is growing revenue faster at 19.9% — sustainability is the question.

CNH generates stronger free cash flow (533M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (57/100 vs 40/100). EDRY offers better value entry with a 45.7% margin of safety. 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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