WallStSmart

CNH Industrial N.V. (CNH)vsGencor Industries Inc (GENC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 16717% more annual revenue ($18.09B vs $107.60M). GENC leads profitability with a 14.2% profit margin vs 2.8%. GENC trades at a lower P/E of 14.7x. CNH earns a higher WallStSmart Score of 57/100 (C).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 7.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

GENC

Hold

44

out of 100

Grade: D

Growth: 2.7Profit: 5.5Value: 5.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHSignificantly Overvalued (-358.8%)

Margin of Safety

-358.8%

Fair Value

$2.79

Current Price

$11.16

$8.37 premium

UndervaluedFair: $2.79Overvalued
GENCSignificantly Overvalued (-120.9%)

Margin of Safety

-120.9%

Fair Value

$7.07

Current Price

$14.85

$7.78 premium

UndervaluedFair: $7.07Overvalued

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
1.8x8/10

Reasonable price relative to book value

GENC2 strengths · Avg: 9.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
26.2x4/10

Moderate valuation

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

GENC4 concerns · Avg: 2.5/10
Market CapQuality
$223.97M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.4%3/10

ROE of 7.4% — below average capital efficiency

Revenue GrowthGrowth
-25.0%2/10

Revenue declined 25.0%

EPS GrowthGrowth
-9.8%2/10

Earnings declined 9.8%

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 : GENC

The strongest argument for GENC centers on Price/Book, P/E Ratio.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Thin 2.8% margins leave little buffer for downturns.

Bear Case : GENC

The primary concerns for GENC are Market Cap, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

CNH profiles as a value stock while GENC is a declining play — different risk/reward profiles.

CNH carries more volatility with a beta of 1.32 — expect wider price swings.

CNH is growing revenue faster at 5.8% — sustainability is the question.

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

Bottom Line

CNH scores higher overall (57/100 vs 44/100). 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.

Gencor Industries Inc

INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA

Gencor Industries, Inc. designs, manufactures and sells heavy machinery used in the production of highway construction materials and environmental control equipment. The company is headquartered in Orlando, Florida.

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