CNH Industrial N.V. (CNH)vsPROG Holdings Inc (PRG)
CNH
CNH Industrial N.V.
$10.75
-0.92%
INDUSTRIALS · Cap: $13.32B
PRG
PROG Holdings Inc
$35.25
+3.22%
INDUSTRIALS · Cap: $1.54B
Smart Verdict
WallStSmart Research — data-driven comparison
CNH Industrial N.V. generates 629% more annual revenue ($18.09B vs $2.48B). PRG leads profitability with a 6.0% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.61. PRG earns a higher WallStSmart Score of 69/100 (B-).
CNH
Buy51
out of 100
Grade: C-
PRG
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CNH.
Margin of Safety
-17.0%
Fair Value
$28.90
Current Price
$35.25
$6.35 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Attractively priced relative to earnings
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
ROE of 5.0% — below average capital efficiency
2.1% margin — thin
Smaller company, higher risk/reward
6.0% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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 : PRG
The strongest argument for PRG centers on P/E Ratio, Altman Z-Score, PEG Ratio. Revenue growth of 11.1% demonstrates continued momentum. PEG of 0.93 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 : PRG
The primary concerns for PRG are Market Cap, Profit Margin, Debt/Equity.
Key Dynamics to Monitor
PRG carries more volatility with a beta of 1.83 — expect wider price swings.
PRG is growing revenue faster at 11.1% — sustainability is the question.
PRG generates stronger free cash flow (169M), providing more financial flexibility.
Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PRG scores higher overall (69/100 vs 51/100) and 11.1% revenue growth. 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.
PROG Holdings Inc
INDUSTRIALS · RENTAL & LEASING SERVICES · USA
PROG Holdings, Inc. is an omnichannel provider of leasing and purchasing solutions for underserved and credit-distressed customers. The company is headquartered in Draper, Utah.
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