WallStSmart

CNH Industrial N.V. (CNH)vsRyanair Holdings PLC ADR (RYAAY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 17% more annual revenue ($18.19B vs $15.59B). RYAAY leads profitability with a 12.1% profit margin vs 1.7%. CNH appears more attractively valued with a PEG of 0.38. RYAAY earns a higher WallStSmart Score of 52/100 (C-).

CNH

Hold

49

out of 100

Grade: D+

Growth: 2.7Profit: 4.5Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.56

RYAAY

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 6.5Value: 6.7Quality: 7.0
Piotroski: 6/9Altman Z: 2.26
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

RYAAYUndervalued (+65.2%)

Margin of Safety

+65.2%

Fair Value

$187.14

Current Price

$53.80

$133.34 discount

UndervaluedFair: $187.14Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 9.0/10
PEG RatioValuation
0.3810/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

RYAAY3 strengths · Avg: 8.7/10
Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

CNH4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

Altman Z-ScoreHealth
1.564/10

Distress zone — elevated risk

Return on EquityProfitability
4.0%3/10

ROE of 4.0% — below average capital efficiency

Profit MarginProfitability
1.7%3/10

1.7% margin — thin

RYAAY3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
1.1%4/10

1.1% revenue growth

PEG RatioValuation
5.192/10

Expensive relative to growth rate

EPS GrowthGrowth
-33.1%2/10

Earnings declined 33.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.38 suggests the stock is reasonably priced for its growth.

Bull Case : RYAAY

The strongest argument for RYAAY centers on Debt/Equity, P/E Ratio, Price/Book.

Bear Case : CNH

The primary concerns for CNH are Revenue Growth, Altman Z-Score, Return on Equity. A P/E of 57.6x leaves little room for execution misses. Debt-to-equity of 3.39 is elevated, increasing financial risk.

Bear Case : RYAAY

The primary concerns for RYAAY are Revenue Growth, PEG Ratio, EPS Growth.

Key Dynamics to Monitor

CNH carries more volatility with a beta of 1.24 — expect wider price swings.

CNH is growing revenue faster at 2.0% — sustainability is the question.

RYAAY generates stronger free cash flow (729M), providing more financial flexibility.

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

Bottom Line

RYAAY scores higher overall (52/100 vs 49/100). 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.

Ryanair Holdings PLC ADR

INDUSTRIALS · AIRLINES · USA

Ryanair Holdings plc, offers regular passenger airline services in Ireland, the United Kingdom, Italy, Spain, Germany and other European countries. The company is headquartered in Swords, Ireland.

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