WallStSmart

CNH Industrial N.V. (CNH)vsPerma-Pipe International Holdings Inc (PPIH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 8479% more annual revenue ($18.09B vs $210.93M). PPIH leads profitability with a 8.1% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. PPIH earns a higher WallStSmart Score of 61/100 (C+).

CNH

Buy

57

out of 100

Grade: C

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

PPIH

Buy

61

out of 100

Grade: C+

Growth: 8.7Profit: 7.0Value: 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

$10.08

$13.28 discount

UndervaluedFair: $23.36Overvalued
PPIHOvervalued (-5.1%)

Margin of Safety

-5.1%

Fair Value

$31.78

Current Price

$32.73

$0.95 premium

UndervaluedFair: $31.78Overvalued

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

PPIH5 strengths · Avg: 8.6/10
EPS GrowthGrowth
171.8%10/10

Earnings expanding 171.8% YoY

Return on EquityProfitability
21.8%9/10

Every $100 of equity generates 22 in profit

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
22.5%8/10

Revenue surging 22.5% year-over-year

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%

PPIH3 concerns · Avg: 2.3/10
Market CapQuality
$264.49M3/10

Smaller company, higher risk/reward

PEG RatioValuation
2.822/10

Expensive relative to growth rate

Free Cash FlowQuality
$-8.84M2/10

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 : PPIH

The strongest argument for PPIH centers on EPS Growth, Return on Equity, P/E Ratio. Revenue growth of 22.5% demonstrates continued momentum.

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 : PPIH

The primary concerns for PPIH are Market Cap, PEG Ratio, Free Cash Flow.

Key Dynamics to Monitor

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

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

PPIH is growing revenue faster at 22.5% — sustainability is the question.

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

Bottom Line

PPIH scores higher overall (61/100 vs 57/100) and 22.5% revenue growth. CNH offers better value entry with a 45.2% margin of safety. 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.

Perma-Pipe International Holdings Inc

INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA

Perma-Pipe International Holdings, Inc. designs, manufactures, and sells leak detection systems and specialty piping. The company is headquartered in Niles, Illinois.

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