WallStSmart

CNH Industrial N.V. (CNH)vsFuelCell Energy Inc (FCEL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 10563% more annual revenue ($18.09B vs $169.70M). CNH leads profitability with a 2.8% profit margin vs -107.5%. FCEL appears more attractively valued with a PEG of 0.36. 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

FCEL

Buy

50

out of 100

Grade: C-

Growth: 6.7Profit: 2.0Value: 7.7Quality: 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
FCELUndervalued (+21.4%)

Margin of Safety

+21.4%

Fair Value

$9.40

Current Price

$13.00

$3.60 discount

UndervaluedFair: $9.40Overvalued

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

FCEL3 strengths · Avg: 10.0/10
PEG RatioValuation
0.3610/10

Growing faster than its price suggests

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
60.7%10/10

Revenue surging 60.7% year-over-year

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%

FCEL4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$592.29M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-25.2%2/10

ROE of -25.2% — below average capital efficiency

Free Cash FlowQuality
$-36.92M2/10

Negative free cash flow — burning cash

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 : FCEL

The strongest argument for FCEL centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 60.7% demonstrates continued momentum. PEG of 0.36 suggests the stock is reasonably priced for its growth.

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 : FCEL

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

Key Dynamics to Monitor

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

FCEL carries more volatility with a beta of 1.41 — expect wider price swings.

FCEL is growing revenue faster at 60.7% — sustainability is the question.

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

Bottom Line

CNH scores higher overall (57/100 vs 50/100). FCEL offers better value entry with a 21.4% 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.

FuelCell Energy Inc

INDUSTRIALS · ELECTRICAL EQUIPMENT & PARTS · USA

FuelCell Energy, Inc. designs, manufactures, sells, installs, operates and services stationary fuel cell power plants for distributed base load power generation. The company is headquartered in Danbury, Connecticut.

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