WallStSmart

CNH Industrial N.V. (CNH)vsSterling Infrastructure, Inc. (STRL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 429% more annual revenue ($18.19B vs $3.44B). STRL leads profitability with a 12.6% profit margin vs 1.7%. CNH appears more attractively valued with a PEG of 0.38. STRL earns a higher WallStSmart Score of 76/100 (B+).

CNH

Hold

49

out of 100

Grade: D+

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

STRL

Strong Buy

76

out of 100

Grade: B+

Growth: 9.3Profit: 8.0Value: 5.7Quality: 7.0
Piotroski: 4/9Altman Z: 2.39

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

STRL6 strengths · Avg: 9.2/10
Return on EquityProfitability
31.8%10/10

Every $100 of equity generates 32 in profit

Revenue GrowthGrowth
90.1%10/10

Revenue surging 90.1% year-over-year

EPS GrowthGrowth
116.5%10/10

Earnings expanding 116.5% YoY

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.608/10

Growing faster than its price suggests

Operating MarginProfitability
20.1%8/10

Strong operational efficiency at 20.1%

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

STRL2 concerns · Avg: 4.0/10
P/E RatioValuation
36.2x4/10

Premium valuation, high expectations priced in

Price/BookValuation
11.5x4/10

Trading at 11.5x book value

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 : STRL

The strongest argument for STRL centers on Return on Equity, Revenue Growth, EPS Growth. Revenue growth of 90.1% demonstrates continued momentum. PEG of 0.60 suggests the stock is reasonably priced for its growth.

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 : STRL

The primary concerns for STRL are P/E Ratio, Price/Book.

Key Dynamics to Monitor

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

STRL carries more volatility with a beta of 1.85 — expect wider price swings.

STRL is growing revenue faster at 90.1% — sustainability is the question.

STRL generates stronger free cash flow (112M), providing more financial flexibility.

Bottom Line

STRL scores higher overall (76/100 vs 49/100) and 90.1% revenue growth. Both earn "Strong 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.

Sterling Infrastructure, Inc.

INDUSTRIALS · ENGINEERING & CONSTRUCTION · USA

Sterling Construction Company, Inc., a construction company, engages in residential construction, specialty services, and heavy civil activities primarily in the southern United States, the Rocky Mountain states, California, and Hawaii. The company is headquartered in The Woodlands, Texas.

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