CNH Industrial N.V. (CNH)vsEquifax Inc (EFX)
CNH
CNH Industrial N.V.
$10.08
+0.40%
INDUSTRIALS · Cap: $12.51B
EFX
Equifax Inc
$173.94
+0.80%
INDUSTRIALS · Cap: $20.82B
Smart Verdict
WallStSmart Research — data-driven comparison
CNH Industrial N.V. generates 188% more annual revenue ($18.09B vs $6.28B). EFX leads profitability with a 11.1% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. EFX earns a higher WallStSmart Score of 66/100 (B-).
CNH
Buy57
out of 100
Grade: C
EFX
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+45.2%
Fair Value
$23.36
Current Price
$10.08
$13.28 discount
Margin of Safety
-8.5%
Fair Value
$182.18
Current Price
$173.94
$8.24 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 34.0% YoY
Areas to Watch
Distress zone — elevated risk
ROE of 6.5% — below average capital efficiency
2.8% margin — thin
Operating margin of 1.9%
Expensive relative to growth rate
Premium valuation, high expectations priced in
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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 : EFX
The strongest argument for EFX centers on EPS Growth. Revenue growth of 14.3% 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 : EFX
The primary concerns for EFX are PEG Ratio, P/E Ratio, Piotroski F-Score.
Key Dynamics to Monitor
EFX carries more volatility with a beta of 1.56 — expect wider price swings.
EFX is growing revenue faster at 14.3% — sustainability is the question.
CNH generates stronger free cash flow (533M), providing more financial flexibility.
Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
EFX scores higher overall (66/100 vs 57/100) and 14.3% revenue growth. CNH offers better value entry with a 45.2% margin of safety. Both earn "Strong 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.
Equifax Inc
INDUSTRIALS · CONSULTING SERVICES · USA
Equifax Inc. is an American multinational consumer credit reporting agency and is one of the three largest consumer credit reporting agencies, along with Experian and TransUnion. In addition to credit and demographic data and services to business, Equifax sells credit monitoring and fraud prevention services directly to consumers.
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