WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 17433% more annual revenue ($18.09B vs $103.19M). GENC leads profitability with a 14.7% profit margin vs 2.1%. GENC trades at a lower P/E of 14.1x. CNH earns a higher WallStSmart Score of 51/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.89

GENC

Hold

43

out of 100

Grade: D

Growth: 2.7Profit: 6.0Value: 5.7Quality: 8.5
Piotroski: 3/9Altman Z: 14.90
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

GENCOvervalued (-8.3%)

Margin of Safety

-8.3%

Fair Value

$14.42

Current Price

$14.68

$0.26 premium

UndervaluedFair: $14.42Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.618/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

GENC5 strengths · Avg: 9.2/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
14.9010/10

Safe zone — low bankruptcy risk

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Operating MarginProfitability
21.2%8/10

Strong operational efficiency at 21.2%

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
33.6x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

Return on EquityProfitability
5.0%3/10

ROE of 5.0% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

GENC4 concerns · Avg: 2.8/10
Market CapQuality
$215.18M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.9%3/10

ROE of 6.9% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-11.5%2/10

Revenue declined 11.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : GENC

The strongest argument for GENC centers on Price/Book, Debt/Equity, Altman Z-Score.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Debt-to-equity of 3.37 is elevated, increasing financial risk. Thin 2.1% margins leave little buffer for downturns.

Bear Case : GENC

The primary concerns for GENC are Market Cap, Return on Equity, Piotroski F-Score.

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 1.23 — expect wider price swings.

CNH is growing revenue faster at -0.1% — sustainability is the question.

GENC generates stronger free cash flow (10M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (51/100 vs 43/100). 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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