WallStSmart

CNH Industrial N.V. (CNH)vsLATAM Airlines Group S.A. (LTM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 27% more annual revenue ($18.09B vs $14.27B). LTM leads profitability with a 10.2% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. LTM earns a higher WallStSmart Score of 65/100 (B-).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 5.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

LTM

Strong Buy

65

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 7.3Quality: 4.3
Piotroski: 5/9Altman Z: 1.39
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHSignificantly Overvalued (-358.8%)

Margin of Safety

-358.8%

Fair Value

$2.79

Current Price

$10.72

$7.93 premium

UndervaluedFair: $2.79Overvalued
LTMUndervalued (+73.5%)

Margin of Safety

+73.5%

Fair Value

$231.66

Current Price

$47.99

$183.67 discount

UndervaluedFair: $231.66Overvalued

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
1.7x8/10

Reasonable price relative to book value

LTM4 strengths · Avg: 9.5/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
142.9%10/10

Every $100 of equity generates 143 in profit

EPS GrowthGrowth
87.5%10/10

Earnings expanding 87.5% YoY

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
26.1x4/10

Moderate valuation

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

LTM2 concerns · Avg: 2.0/10
PEG RatioValuation
2.582/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.392/10

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 : LTM

The strongest argument for LTM centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 16.1% demonstrates continued momentum.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Thin 2.8% margins leave little buffer for downturns.

Bear Case : LTM

The primary concerns for LTM are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

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

CNH carries more volatility with a beta of 1.32 — expect wider price swings.

LTM is growing revenue faster at 16.1% — sustainability is the question.

LTM generates stronger free cash flow (571M), providing more financial flexibility.

Bottom Line

LTM scores higher overall (65/100 vs 57/100) and 16.1% revenue growth. Both earn "Strong 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.

LATAM Airlines Group S.A.

INDUSTRIALS · AIRLINES · USA

LATAM Airlines Group SA, provides passenger and cargo air transport services in Peru, Argentina, the United States, Europe, Colombia, Brazil, Ecuador, Chile, Asia Pacific and the rest of Latin America.

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