WallStSmart

CNH Industrial N.V. (CNH)vsPangaea Logistic (PANL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 2763% more annual revenue ($18.09B vs $632.04M). PANL leads profitability with a 3.1% profit margin vs 2.1%. PANL trades at a lower P/E of 26.4x. CNH earns a higher WallStSmart Score of 51/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 7.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.59

PANL

Hold

46

out of 100

Grade: D+

Growth: 4.7Profit: 4.5Value: 5.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.84

$12.52 discount

UndervaluedFair: $23.36Overvalued
PANLUndervalued (+2.3%)

Margin of Safety

+2.3%

Fair Value

$9.22

Current Price

$7.87

$1.35 discount

UndervaluedFair: $9.22Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.588/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

PANL2 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
24.9%8/10

Revenue surging 24.9% year-over-year

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
33.9x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.594/10

Distress zone — elevated risk

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

PANL4 concerns · Avg: 3.5/10
P/E RatioValuation
26.4x4/10

Moderate valuation

EPS GrowthGrowth
1.0%4/10

1.0% earnings growth

Market CapQuality
$517.98M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.3%3/10

ROE of 4.3% — 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 0.58 suggests the stock is reasonably priced for its growth.

Bull Case : PANL

The strongest argument for PANL centers on Price/Book, Revenue Growth. Revenue growth of 24.9% demonstrates continued momentum.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Thin 2.1% margins leave little buffer for downturns.

Bear Case : PANL

The primary concerns for PANL are P/E Ratio, EPS Growth, Market Cap. Thin 3.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

CNH carries more volatility with a beta of 1.25 — expect wider price swings.

PANL is growing revenue faster at 24.9% — sustainability is the question.

PANL generates stronger free cash flow (15M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (51/100 vs 46/100). 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.

Pangaea Logistic

INDUSTRIALS · MARINE SHIPPING · USA

Pangea Logistics Solutions, Ltd., provides dry bulk shipping and logistics services by sea to industrial customers around the world. The company is headquartered in Newport, Rhode Island.

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