WallStSmart

CNH Industrial N.V. (CNH)vsSnap-On Inc (SNA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 247% more annual revenue ($18.09B vs $5.22B). SNA leads profitability with a 19.6% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. SNA earns a higher WallStSmart Score of 60/100 (C).

CNH

Buy

57

out of 100

Grade: C

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

SNA

Buy

60

out of 100

Grade: C

Growth: 4.7Profit: 8.0Value: 5.0Quality: 8.5
Piotroski: 3/9Altman Z: 4.46
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

Intrinsic value data unavailable for SNA.

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

SNA3 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
4.4610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Operating MarginProfitability
24.6%8/10

Strong operational efficiency at 24.6%

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%

SNA3 concerns · Avg: 3.7/10
PEG RatioValuation
2.104/10

Expensive relative to growth rate

EPS GrowthGrowth
4.0%4/10

4.0% earnings growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : SNA

The strongest argument for SNA centers on Altman Z-Score, Debt/Equity, Operating Margin. Profitability is solid with margins at 19.6% and operating margin at 24.6%.

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 : SNA

The primary concerns for SNA are PEG Ratio, EPS Growth, Piotroski F-Score.

Key Dynamics to Monitor

CNH profiles as a value stock while SNA is a mature play — different risk/reward profiles.

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.

Bottom Line

SNA scores higher overall (60/100 vs 57/100), backed by strong 19.6% margins. 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.

Snap-On Inc

INDUSTRIALS · TOOLS & ACCESSORIES · USA

Snap-on Incorporated is an American designer, manufacturer and marketer of high-end tools and equipment for professional use in the transportation industry including the automotive, heavy duty, equipment, marine, aviation, and railroad industries.

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