WallStSmart

CNH Industrial N.V. (CNH)vsTrinity Industries Inc (TRN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 777% more annual revenue ($18.09B vs $2.06B). TRN leads profitability with a 12.4% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.59. TRN earns a higher WallStSmart Score of 67/100 (B-).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 7.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.59

TRN

Strong Buy

67

out of 100

Grade: B-

Growth: 4.0Profit: 6.5Value: 6.7Quality: 4.8
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.35

Current Price

$10.32

$13.03 discount

UndervaluedFair: $23.35Overvalued
TRNSignificantly Overvalued (-18.6%)

Margin of Safety

-18.6%

Fair Value

$26.70

Current Price

$35.85

$9.15 premium

UndervaluedFair: $26.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.598/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

TRN4 strengths · Avg: 8.8/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Return on EquityProfitability
23.1%9/10

Every $100 of equity generates 23 in profit

PEG RatioValuation
0.698/10

Growing faster than its price suggests

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
32.8x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.594/10

Distress zone — elevated risk

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

TRN3 concerns · Avg: 1.7/10
Revenue GrowthGrowth
-16.0%2/10

Revenue declined 16.0%

Free Cash FlowQuality
$-59.50M2/10

Negative free cash flow — burning cash

Debt/EquityHealth
5.051/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.59 suggests the stock is reasonably priced for its growth.

Bull Case : TRN

The strongest argument for TRN centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.69 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. Thin 2.1% margins leave little buffer for downturns.

Bear Case : TRN

The primary concerns for TRN are Revenue Growth, Free Cash Flow, Debt/Equity. Debt-to-equity of 5.05 is elevated, increasing financial risk.

Key Dynamics to Monitor

CNH profiles as a value stock while TRN is a declining play — different risk/reward profiles.

TRN carries more volatility with a beta of 1.45 — expect wider price swings.

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

CNH generates stronger free cash flow (-58M), providing more financial flexibility.

Bottom Line

TRN scores higher overall (67/100 vs 51/100). CNH offers better value entry with a 45.2% margin of safety. Both earn "Strong 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.

Trinity Industries Inc

INDUSTRIALS · RAILROADS · USA

Trinity Industries, Inc. provides rail transportation products and services in North America. The company is headquartered in Dallas, Texas.

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