WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 29104% more annual revenue ($18.19B vs $62.27M). EDRY leads profitability with a 15.0% profit margin vs 1.7%. EDRY trades at a lower P/E of 15.6x. EDRY earns a higher WallStSmart Score of 54/100 (C-).

CNH

Hold

49

out of 100

Grade: D+

Growth: 2.7Profit: 4.5Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.56

EDRY

Buy

54

out of 100

Grade: C-

Growth: 4.7Profit: 6.5Value: 6.3Quality: 5.0
Piotroski: 4/9Altman Z: 1.07
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

EDRYUndervalued (+11.4%)

Margin of Safety

+11.4%

Fair Value

$16.17

Current Price

$67.12

$50.95 discount

UndervaluedFair: $16.17Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 9.0/10
PEG RatioValuation
0.3810/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

EDRY4 strengths · Avg: 9.0/10
Operating MarginProfitability
49.8%10/10

Strong operational efficiency at 49.8%

Revenue GrowthGrowth
57.0%10/10

Revenue surging 57.0% year-over-year

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

CNH4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

Altman Z-ScoreHealth
1.564/10

Distress zone — elevated risk

Return on EquityProfitability
4.0%3/10

ROE of 4.0% — below average capital efficiency

Profit MarginProfitability
1.7%3/10

1.7% margin — thin

EDRY4 concerns · Avg: 2.3/10
Market CapQuality
$148.46M3/10

Smaller company, higher risk/reward

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%

Altman Z-ScoreHealth
1.072/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : EDRY

The strongest argument for EDRY centers on Operating Margin, Revenue Growth, P/E Ratio. Revenue growth of 57.0% demonstrates continued momentum.

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 : 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 1.24 — expect wider price swings.

EDRY is growing revenue faster at 57.0% — sustainability is the question.

EDRY generates stronger free cash flow (10M), providing more financial flexibility.

Bottom Line

EDRY scores higher overall (54/100 vs 49/100) and 57.0% revenue growth. 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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