WallStSmart

CNH Industrial N.V. (CNH)vsGranite Construction Incorporated (GVA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 266% more annual revenue ($18.19B vs $4.97B). CNH leads profitability with a 1.7% profit margin vs -3.3%. GVA appears more attractively valued with a PEG of 0.12. GVA earns a higher WallStSmart Score of 53/100 (C-).

CNH

Hold

49

out of 100

Grade: D+

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

GVA

Buy

53

out of 100

Grade: C-

Growth: 8.0Profit: 5.5Value: 5.7Quality: 4.5
Piotroski: 3/9Altman Z: 2.00
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

GVASignificantly Overvalued (-82.3%)

Margin of Safety

-82.3%

Fair Value

$73.06

Current Price

$118.92

$45.86 premium

UndervaluedFair: $73.06Overvalued

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

GVA3 strengths · Avg: 8.7/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

Revenue GrowthGrowth
29.3%8/10

Revenue surging 29.3% year-over-year

EPS GrowthGrowth
25.1%8/10

Earnings expanding 25.1% 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

GVA3 concerns · Avg: 1.7/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Profit MarginProfitability
-3.3%1/10

Currently unprofitable

Debt/EquityHealth
2.301/10

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 : GVA

The strongest argument for GVA centers on PEG Ratio, Revenue Growth, EPS Growth. Revenue growth of 29.3% demonstrates continued momentum. PEG of 0.12 suggests the stock is reasonably priced for its growth.

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 : GVA

The primary concerns for GVA are Piotroski F-Score, Profit Margin, Debt/Equity. Debt-to-equity of 2.30 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

GVA is growing revenue faster at 29.3% — sustainability is the question.

GVA generates stronger free cash flow (143M), providing more financial flexibility.

Bottom Line

GVA scores higher overall (53/100 vs 49/100) and 29.3% revenue growth. 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.

Granite Construction Incorporated

INDUSTRIALS · ENGINEERING & CONSTRUCTION · USA

Granite Construction Incorporated is an infrastructure contractor and producer of building materials in the United States. The company is headquartered in Watsonville, California.

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