WallStSmart

CNH Industrial N.V. (CNH)vsGATX Corporation (GATX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 786% more annual revenue ($18.19B vs $2.05B). GATX leads profitability with a 17.9% profit margin vs 1.7%. CNH appears more attractively valued with a PEG of 0.38. GATX earns a higher WallStSmart Score of 79/100 (B+).

CNH

Hold

49

out of 100

Grade: D+

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

GATX

Strong Buy

79

out of 100

Grade: B+

Growth: 9.3Profit: 7.0Value: 7.0Quality: 4.0
Piotroski: 3/9Altman Z: 0.73

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

GATX6 strengths · Avg: 8.3/10
Revenue GrowthGrowth
34.8%10/10

Revenue surging 34.8% year-over-year

PEG RatioValuation
0.648/10

Growing faster than its price suggests

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Operating MarginProfitability
27.8%8/10

Strong operational efficiency at 27.8%

EPS GrowthGrowth
37.9%8/10

Earnings expanding 37.9% YoY

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

GATX3 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.732/10

Distress zone — elevated risk

Debt/EquityHealth
4.481/10

Elevated debt levels

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 : GATX

The strongest argument for GATX centers on Revenue Growth, PEG Ratio, P/E Ratio. Profitability is solid with margins at 17.9% and operating margin at 27.8%. Revenue growth of 34.8% 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 : GATX

The primary concerns for GATX are Piotroski F-Score, Altman Z-Score, Debt/Equity. Debt-to-equity of 4.48 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

CNH carries more volatility with a beta of 1.24 — expect wider price swings.

GATX is growing revenue faster at 34.8% — sustainability is the question.

GATX generates stronger free cash flow (76M), providing more financial flexibility.

Bottom Line

GATX scores higher overall (79/100 vs 49/100), backed by strong 17.9% margins and 34.8% revenue growth. Both earn "Strong 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.

GATX Corporation

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

GATX Corporation (NYSE: GATX) strives to be recognized as the best car rental company in the world by our customers, our shareholders, our employees and the communities where we operate. The company is headquartered in Chicago, Illinois since its founding in 1898.

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