WallStSmart

CNH Industrial N.V. (CNH)vsPentair PLC (PNR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 331% more annual revenue ($18.09B vs $4.20B). PNR leads profitability with a 16.0% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. PNR earns a higher WallStSmart Score of 66/100 (B-).

CNH

Buy

57

out of 100

Grade: C

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

PNR

Strong Buy

66

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 4.7Quality: 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

$10.71

$12.65 discount

UndervaluedFair: $23.36Overvalued
PNRSignificantly Overvalued (-83.2%)

Margin of Safety

-83.2%

Fair Value

$54.86

Current Price

$80.71

$25.85 premium

UndervaluedFair: $54.86Overvalued

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

PNR1 strengths · Avg: 8.0/10
Operating MarginProfitability
20.3%8/10

Strong operational efficiency at 20.3%

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%

PNR2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
2.6%4/10

2.6% revenue growth

Free Cash FlowQuality
$-85.90M2/10

Negative free cash flow — burning cash

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 : PNR

The strongest argument for PNR centers on Operating Margin. Profitability is solid with margins at 16.0% and operating margin at 20.3%. PEG of 1.22 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 : PNR

The primary concerns for PNR are Revenue Growth, Free Cash Flow.

Key Dynamics to Monitor

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.

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

Bottom Line

PNR scores higher overall (66/100 vs 57/100), backed by strong 16.0% margins. CNH offers better value entry with a 45.2% margin of safety. 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.

Pentair PLC

INDUSTRIALS · SPECIALTY INDUSTRIAL MACHINERY · USA

Pentair plc (PNR) is an American water treatment company with its main U.S. office in Minneapolis, Minnesota.

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