WallStSmart

CNH Industrial N.V. (CNH)vsPAMT CORP (PAMT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 2926% more annual revenue ($18.09B vs $598.06M). CNH leads profitability with a 2.8% profit margin vs -8.8%. CNH appears more attractively valued with a PEG of 0.57. CNH earns a higher WallStSmart Score of 57/100 (C).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 8.0Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

PAMT

Hold

40

out of 100

Grade: D

Growth: 2.0Profit: 2.0Value: 7.7Quality: 4.0
Piotroski: 2/9Altman Z: 1.19
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.08

$13.28 discount

UndervaluedFair: $23.36Overvalued
PAMTUndervalued (+70.3%)

Margin of Safety

+70.3%

Fair Value

$41.95

Current Price

$10.10

$31.85 discount

UndervaluedFair: $41.95Overvalued

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
1.6x8/10

Reasonable price relative to book value

PAMT2 strengths · Avg: 9.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.948/10

Growing faster than its price suggests

Areas to Watch

CNH4 concerns · Avg: 3.3/10
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

Operating MarginProfitability
1.9%3/10

Operating margin of 1.9%

PAMT4 concerns · Avg: 2.8/10
Market CapQuality
$204.42M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.593/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-21.6%2/10

ROE of -21.6% — below average capital efficiency

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 : PAMT

The strongest argument for PAMT centers on Price/Book, PEG Ratio. PEG of 0.94 suggests the stock is reasonably priced for its growth.

Bear Case : CNH

The primary concerns for CNH are Altman Z-Score, Return on Equity, Profit Margin. Thin 2.8% margins leave little buffer for downturns.

Bear Case : PAMT

The primary concerns for PAMT are Market Cap, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.59 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

CNH carries more volatility with a beta of 1.33 — expect wider price swings.

CNH is growing revenue faster at 5.8% — sustainability is the question.

CNH generates stronger free cash flow (533M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (57/100 vs 40/100). PAMT offers better value entry with a 70.3% 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.

PAMT CORP

INDUSTRIALS · TRUCKING · USA

Pamt Corp. The company is headquartered in Tontitown, Arkansas.

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