WallStSmart

CNH Industrial N.V. (CNH)vsPitney Bowes Inc (PBI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 864% more annual revenue ($18.09B vs $1.88B). PBI leads profitability with a 8.9% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.61. PBI earns a higher WallStSmart Score of 62/100 (C+).

CNH

Buy

51

out of 100

Grade: C-

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

PBI

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 6.5Value: 6.0Quality: 6.0
Piotroski: 5/9Altman Z: 1.91
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

PBISignificantly Overvalued (-84.9%)

Margin of Safety

-84.9%

Fair Value

$9.12

Current Price

$16.73

$7.62 premium

UndervaluedFair: $9.12Overvalued

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

PBI5 strengths · Avg: 8.8/10
EPS GrowthGrowth
105.3%10/10

Earnings expanding 105.3% YoY

Debt/EquityHealth
-2.5410/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.678/10

Growing faster than its price suggests

P/E RatioValuation
16.3x8/10

Attractively priced relative to earnings

Operating MarginProfitability
23.4%8/10

Strong operational efficiency at 23.4%

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

PBI2 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.914/10

Grey zone — moderate risk

Revenue GrowthGrowth
-3.2%2/10

Revenue declined 3.2%

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 : PBI

The strongest argument for PBI centers on EPS Growth, Debt/Equity, PEG Ratio. PEG of 0.67 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 : PBI

The primary concerns for PBI are Altman Z-Score, Revenue Growth.

Key Dynamics to Monitor

PBI carries more volatility with a beta of 1.64 — expect wider price swings.

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

PBI generates stronger free cash flow (28M), providing more financial flexibility.

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

Bottom Line

PBI scores higher overall (62/100 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.

Pitney Bowes Inc

INDUSTRIALS · INTEGRATED FREIGHT & LOGISTICS · USA

Pitney Bowes Inc., a technology company, offers business solutions in the United States and internationally. The company is headquartered in Stamford, Connecticut.

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