WallStSmart

CNH Industrial N.V. (CNH)vsSPAR Group Inc (SGRP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 13547% more annual revenue ($18.09B vs $132.58M). CNH leads profitability with a 2.1% profit margin vs -19.3%. CNH appears more attractively valued with a PEG of 0.61. CNH earns a higher WallStSmart Score of 51/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

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

SGRP

Avoid

28

out of 100

Grade: F

Growth: 2.0Profit: 2.5Value: 7.0Quality: 3.5
Piotroski: 4/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

SGRPUndervalued (+36.1%)

Margin of Safety

+36.1%

Fair Value

$1.22

Current Price

$0.74

$0.48 discount

UndervaluedFair: $1.22Overvalued

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

SGRP0 strengths · Avg: 0/10

No standout strengths identified

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

SGRP4 concerns · Avg: 2.5/10
Market CapQuality
$20.97M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
0.7%3/10

Operating margin of 0.7%

Return on EquityProfitability
-207.1%2/10

ROE of -207.1% — below average capital efficiency

Revenue GrowthGrowth
-10.3%2/10

Revenue declined 10.3%

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 : SGRP

PEG of 1.02 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 : SGRP

The primary concerns for SGRP are Market Cap, Operating Margin, Return on Equity. Debt-to-equity of 86.90 is elevated, increasing financial risk.

Key Dynamics to Monitor

CNH profiles as a value stock while SGRP is a turnaround play — different risk/reward profiles.

CNH carries more volatility with a beta of 1.23 — expect wider price swings.

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

SGRP generates stronger free cash flow (-4M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (51/100 vs 28/100). SGRP offers better value entry with a 36.1% margin of safety. Both earn "Buy" and "Avoid" 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.

SPAR Group Inc

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

SPAR Group, Inc. provides worldwide marketing and merchandising services. The company is headquartered in Auburn Hills, Michigan.

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