WallStSmart

CNH Industrial N.V. (CNH)vsElevance Health Inc (ELV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Elevance Health Inc generates 1008% more annual revenue ($200.42B vs $18.09B). ELV leads profitability with a 2.6% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.59. ELV earns a higher WallStSmart Score of 56/100 (C).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 7.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.59

ELV

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 5.5Value: 8.0Quality: 5.0
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.35

Current Price

$10.82

$12.53 discount

UndervaluedFair: $23.35Overvalued
ELVUndervalued (+63.5%)

Margin of Safety

+63.5%

Fair Value

$1011.48

Current Price

$374.71

$636.77 discount

UndervaluedFair: $1011.48Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.598/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

ELV4 strengths · Avg: 8.3/10
Market CapQuality
$80.93B9/10

Large-cap with strong market position

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.10B8/10

Generating 4.1B in free cash flow

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
32.8x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.594/10

Distress zone — elevated risk

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

ELV4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
2.6%4/10

2.6% revenue growth

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-16.8%2/10

Earnings declined 16.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.59 suggests the stock is reasonably priced for its growth.

Bull Case : ELV

The strongest argument for ELV centers on Market Cap, P/E Ratio, Price/Book. PEG of 1.43 suggests the stock is reasonably priced for its growth.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Thin 2.1% margins leave little buffer for downturns.

Bear Case : ELV

The primary concerns for ELV are Revenue Growth, Profit Margin, Piotroski F-Score. Thin 2.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

ELV is growing revenue faster at 2.6% — sustainability is the question.

ELV generates stronger free cash flow (4.1B), providing more financial flexibility.

Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ELV scores higher overall (56/100 vs 51/100). CNH offers better value entry with a 45.2% margin of safety. 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.

Elevance Health Inc

HEALTHCARE · HEALTHCARE PLANS · USA

Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.

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