WallStSmart

CNH Industrial N.V. (CNH)vsToro Co (TTC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 288% more annual revenue ($18.09B vs $4.66B). TTC leads profitability with a 7.3% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.61. TTC earns a higher WallStSmart Score of 58/100 (C).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.89

TTC

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 6.5Value: 5.7Quality: 6.5
Piotroski: 4/9Altman Z: 2.99

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.618/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

TTC1 strengths · Avg: 9.0/10
Return on EquityProfitability
23.3%9/10

Every $100 of equity generates 23 in profit

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
33.6x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

Return on EquityProfitability
5.0%3/10

ROE of 5.0% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

TTC2 concerns · Avg: 3.5/10
P/E RatioValuation
26.1x4/10

Moderate valuation

Profit MarginProfitability
7.3%3/10

7.3% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : TTC

The strongest argument for TTC centers on Return on Equity. PEG of 1.46 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. Debt-to-equity of 3.37 is elevated, increasing financial risk. Thin 2.1% margins leave little buffer for downturns.

Bear Case : TTC

The primary concerns for TTC are P/E Ratio, Profit Margin.

Key Dynamics to Monitor

CNH carries more volatility with a beta of 1.23 — expect wider price swings.

TTC is growing revenue faster at 8.1% — sustainability is the question.

TTC generates stronger free cash flow (251M), providing more financial flexibility.

Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TTC scores higher overall (58/100 vs 51/100). 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.

Toro Co

INDUSTRIALS · TOOLS & ACCESSORIES · USA

The Toro Company designs, manufactures and markets professional and residential equipment worldwide. The company is headquartered in Bloomington, Minnesota.

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