WallStSmart

CNH Industrial N.V. (CNH)vsGfl Environmental Holdings Inc (GFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 174% more annual revenue ($18.09B vs $6.62B). GFL leads profitability with a 58.0% profit margin vs 2.8%. CNH trades at a lower P/E of 24.6x. 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

GFL

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 6.0Value: 4.3Quality: 3.5
Piotroski: 5/9Altman Z: 0.77
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
GFLUndervalued (+5.1%)

Margin of Safety

+5.1%

Fair Value

$46.42

Current Price

$40.11

$6.31 discount

UndervaluedFair: $46.42Overvalued

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

GFL3 strengths · Avg: 8.7/10
Profit MarginProfitability
58.0%10/10

Keeps 58 of every $100 in revenue as profit

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

EPS GrowthGrowth
22.2%8/10

Earnings expanding 22.2% YoY

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%

GFL4 concerns · Avg: 2.5/10
Return on EquityProfitability
3.3%3/10

ROE of 3.3% — below average capital efficiency

Debt/EquityHealth
1.093/10

Elevated debt levels

P/E RatioValuation
98.4x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
0.772/10

Distress zone — elevated risk

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 : GFL

The strongest argument for GFL centers on Profit Margin, Price/Book, EPS Growth. Profitability is solid with margins at 58.0% and operating margin at 6.4%.

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 : GFL

The primary concerns for GFL are Return on Equity, Debt/Equity, P/E Ratio. A P/E of 98.4x leaves little room for execution misses.

Key Dynamics to Monitor

CNH profiles as a value stock while GFL is a mature play — different risk/reward profiles.

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

GFL is growing revenue faster at 7.3% — sustainability is the question.

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

Bottom Line

CNH scores higher overall (57/100 vs 54/100). 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.

Gfl Environmental Holdings Inc

INDUSTRIALS · WASTE MANAGEMENT · USA

GFL Environmental Inc. is a diversified environmental services company in Canada and the United States. The company is headquartered in Vaughan, Canada.

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