WallStSmart

CNH Industrial N.V. (CNH)vsHub Group Inc (HUBG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 385% more annual revenue ($18.09B vs $3.73B). HUBG leads profitability with a 2.8% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.61. HUBG earns a higher WallStSmart Score of 53/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

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

HUBG

Buy

53

out of 100

Grade: C-

Growth: 4.0Profit: 4.5Value: 5.3Quality: 7.5
Piotroski: 5/9Altman Z: 3.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

HUBGUndervalued (+3.6%)

Margin of Safety

+3.6%

Fair Value

$44.12

Current Price

$42.93

$1.19 discount

UndervaluedFair: $44.12Overvalued

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

HUBG4 strengths · Avg: 8.8/10
Altman Z-ScoreHealth
3.4710/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
20.5%8/10

Earnings expanding 20.5% YoY

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

HUBG4 concerns · Avg: 3.3/10
PEG RatioValuation
2.064/10

Expensive relative to growth rate

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Profit MarginProfitability
2.8%3/10

2.8% margin — thin

Operating MarginProfitability
4.2%3/10

Operating margin of 4.2%

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 : HUBG

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

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 : HUBG

The primary concerns for HUBG are PEG Ratio, Return on Equity, Profit Margin. Thin 2.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

HUBG carries more volatility with a beta of 1.26 — expect wider price swings.

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

HUBG generates stronger free cash flow (19M), providing more financial flexibility.

Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HUBG scores higher overall (53/100 vs 51/100). 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.

Hub Group Inc

INDUSTRIALS · INTEGRATED FREIGHT & LOGISTICS · USA

Hub Group, Inc., a light asset freight management company, provides intermodal services, truck brokerage, trucking, managed transportation, cargo consolidation, warehousing, last mile delivery, international transportation, and other freight services. logistics in North America. The company is headquartered in Oak Brook, Illinois.

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