WallStSmart

CNH Industrial N.V. (CNH)vsSU Group Holdings Limited Ordinary Shares (SUGP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 9306% more annual revenue ($18.09B vs $192.39M). CNH leads profitability with a 2.8% profit margin vs -9.6%. CNH earns a higher WallStSmart Score of 57/100 (C).

CNH

Buy

57

out of 100

Grade: C

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

SUGP

Avoid

29

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 5.0Quality: 7.5
Piotroski: 2/9Altman Z: 2.90
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 SUGP.

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

SUGP2 strengths · Avg: 10.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

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%

SUGP4 concerns · Avg: 2.5/10
Market CapQuality
$10.32M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-20.1%2/10

ROE of -20.1% — below average capital efficiency

Revenue GrowthGrowth
-6.5%2/10

Revenue declined 6.5%

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 : SUGP

The strongest argument for SUGP centers on Price/Book, Debt/Equity.

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 : SUGP

The primary concerns for SUGP are Market Cap, Piotroski F-Score, Return on Equity.

Key Dynamics to Monitor

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

SUGP carries more volatility with a beta of 2.29 — 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

CNH scores higher overall (57/100 vs 29/100). 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.

SU Group Holdings Limited Ordinary Shares

INDUSTRIALS · SECURITY & PROTECTION SERVICES · USA

SU Group Holdings Limited (SUGP) is a dynamic investment holding company specializing in identifying and capitalizing on growth opportunities in diverse sectors, with a particular focus on special situations and distressed assets. The company utilizes its extensive industry expertise and a commitment to operational excellence to deliver superior shareholder value through innovative and strategic initiatives. Backed by a disciplined investment approach and thorough market analysis, SU Group is well-equipped to effectively navigate volatile market conditions while fostering sustainable expansion of its asset portfolio.

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