CNH Industrial N.V. (CNH)vsInsperity Inc (NSP)
CNH
CNH Industrial N.V.
$10.75
-0.92%
INDUSTRIALS · Cap: $13.32B
NSP
Insperity Inc
$35.38
+5.71%
INDUSTRIALS · Cap: $1.32B
Smart Verdict
WallStSmart Research — data-driven comparison
CNH Industrial N.V. generates 164% more annual revenue ($18.09B vs $6.84B). CNH leads profitability with a 2.1% profit margin vs -0.4%. CNH appears more attractively valued with a PEG of 0.61. CNH earns a higher WallStSmart Score of 51/100 (C-).
CNH
Buy51
out of 100
Grade: C-
NSP
Hold37
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CNH.
Margin of Safety
+71.4%
Fair Value
$104.80
Current Price
$35.38
$69.42 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
ROE of 5.0% — below average capital efficiency
2.1% margin — thin
1.7% revenue growth
Smaller company, higher risk/reward
Operating margin of 3.3%
Trading at 20.1x book value
Comparative Analysis Report
WallStSmart ResearchBull 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 : NSP
The strongest argument for NSP centers on Altman Z-Score. PEG of 1.42 suggests the stock is reasonably priced for its growth.
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 : NSP
The primary concerns for NSP are Revenue Growth, Market Cap, Operating Margin. Debt-to-equity of 6.42 is elevated, increasing financial risk.
Key Dynamics to Monitor
CNH profiles as a value stock while NSP is a turnaround play — different risk/reward profiles.
CNH carries more volatility with a beta of 1.23 — expect wider price swings.
NSP is growing revenue faster at 1.7% — sustainability is the question.
CNH generates stronger free cash flow (-58M), providing more financial flexibility.
Bottom Line
CNH scores higher overall (51/100 vs 37/100). NSP offers better value entry with a 71.4% 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.
Insperity Inc
INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA
Insperity, Inc. provides human resources (HR) and business solutions to improve business performance for small and medium-sized businesses. The company is headquartered in Kingwood, Texas.
Compare with Other FARM & HEAVY CONSTRUCTION MACHINERY Stocks
Want to dig deeper into these stocks?