WallStSmart

CNH Industrial N.V. (CNH)vsTrueBlue Inc (TBI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 975% more annual revenue ($18.19B vs $1.69B). CNH leads profitability with a 1.7% profit margin vs -3.4%. CNH appears more attractively valued with a PEG of 0.38. TBI earns a higher WallStSmart Score of 49/100 (D+).

CNH

Hold

49

out of 100

Grade: D+

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

TBI

Hold

49

out of 100

Grade: D+

Growth: 3.3Profit: 2.5Value: 7.7Quality: 7.5
Piotroski: 5/9Altman Z: 3.70
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

TBIUndervalued (+69.2%)

Margin of Safety

+69.2%

Fair Value

$15.04

Current Price

$8.75

$6.29 discount

UndervaluedFair: $15.04Overvalued

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

TBI3 strengths · Avg: 9.3/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.7010/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.818/10

Growing faster than its price suggests

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

TBI4 concerns · Avg: 2.5/10
Market CapQuality
$299.88M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
0.6%3/10

Operating margin of 0.6%

Return on EquityProfitability
-20.9%2/10

ROE of -20.9% — below average capital efficiency

EPS GrowthGrowth
-63.4%2/10

Earnings declined 63.4%

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 : TBI

The strongest argument for TBI centers on Price/Book, Altman Z-Score, PEG Ratio. Revenue growth of 11.8% demonstrates continued momentum. PEG of 0.81 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 : TBI

The primary concerns for TBI are Market Cap, Operating Margin, Return on Equity.

Key Dynamics to Monitor

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

TBI carries more volatility with a beta of 1.67 — expect wider price swings.

TBI is growing revenue faster at 11.8% — sustainability is the question.

TBI generates stronger free cash flow (-24M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (49/100 vs 49/100). TBI offers better value entry with a 69.2% margin of safety. Both earn "Hold" 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.

TrueBlue Inc

INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA

TrueBlue, Inc., provides specialized workforce solutions in the United States, Canada, and Puerto Rico. The company is headquartered in Tacoma, Washington.

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