WallStSmart

CNH Industrial N.V. (CNH)vsHertz Global Holdings Inc (HTZ)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 108% more annual revenue ($18.09B vs $8.70B). CNH leads profitability with a 2.1% profit margin vs -7.3%. 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

HTZ

Hold

42

out of 100

Grade: D

Growth: 3.3Profit: 2.5Value: 6.7Quality: 4.5
Piotroski: 3/9Altman Z: 0.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

HTZUndervalued (+36.1%)

Margin of Safety

+36.1%

Fair Value

$8.25

Current Price

$5.09

$3.16 discount

UndervaluedFair: $8.25Overvalued

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

HTZ1 strengths · Avg: 10.0/10
Debt/EquityHealth
-26.0610/10

Conservative balance sheet, low leverage

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

HTZ4 concerns · Avg: 2.5/10
Market CapQuality
$1.62B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-567.0%2/10

ROE of -567.0% — below average capital efficiency

EPS GrowthGrowth
-30.9%2/10

Earnings declined 30.9%

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 : HTZ

The strongest argument for HTZ centers on Debt/Equity. Revenue growth of 10.5% demonstrates continued momentum.

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 : HTZ

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

Key Dynamics to Monitor

CNH profiles as a value stock while HTZ is a turnaround play — different risk/reward profiles.

HTZ carries more volatility with a beta of 2.21 — expect wider price swings.

HTZ is growing revenue faster at 10.5% — sustainability is the question.

CNH generates stronger free cash flow (-58M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (51/100 vs 42/100). HTZ offers better value entry with a 36.1% margin of safety. 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.

Hertz Global Holdings Inc

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

Hertz Global Holdings, Inc. is a car rental company. The company is headquartered in Estero, Florida.

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