WallStSmart

CNH Industrial N.V. (CNH)vsHirequest Inc (HQI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 60213% more annual revenue ($18.19B vs $30.15M). HQI leads profitability with a 27.1% profit margin vs 1.7%. HQI trades at a lower P/E of 26.9x. HQI 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

HQI

Buy

53

out of 100

Grade: C-

Growth: 6.0Profit: 8.0Value: 7.0Quality: 6.8
Piotroski: 3/9Altman Z: 3.61
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

HQIUndervalued (+56.5%)

Margin of Safety

+56.5%

Fair Value

$24.51

Current Price

$16.05

$8.46 discount

UndervaluedFair: $24.51Overvalued

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

HQI4 strengths · Avg: 9.8/10
Operating MarginProfitability
41.3%10/10

Strong operational efficiency at 41.3%

EPS GrowthGrowth
156.8%10/10

Earnings expanding 156.8% YoY

Altman Z-ScoreHealth
3.6110/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
27.1%9/10

Keeps 27 of every $100 in revenue as profit

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

HQI3 concerns · Avg: 3.3/10
P/E RatioValuation
26.9x4/10

Moderate valuation

Market CapQuality
$232.11M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : HQI

The strongest argument for HQI centers on Operating Margin, EPS Growth, Altman Z-Score. Profitability is solid with margins at 27.1% and operating margin at 41.3%.

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 : HQI

The primary concerns for HQI are P/E Ratio, Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

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

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

HQI is growing revenue faster at 6.0% — sustainability is the question.

HQI generates stronger free cash flow (2M), providing more financial flexibility.

Bottom Line

HQI scores higher overall (53/100 vs 49/100), backed by strong 27.1% margins. 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.

Hirequest Inc

INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA

HireQuest, Inc. provides temporary and on-demand staffing solutions in the United States. The company is headquartered in Goose Creek, South Carolina.

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