WallStSmart

CNH Industrial N.V. (CNH)vsTwin Disc Incorporated (TWIN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 4877% more annual revenue ($18.09B vs $363.55M). TWIN leads profitability with a 7.3% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.61. TWIN earns a higher WallStSmart Score of 62/100 (C+).

CNH

Buy

51

out of 100

Grade: C-

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

TWIN

Buy

62

out of 100

Grade: C+

Growth: 8.7Profit: 5.5Value: 7.3Quality: 7.0
Piotroski: 3/9Altman Z: 2.42
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

TWINUndervalued (+32.2%)

Margin of Safety

+32.2%

Fair Value

$25.40

Current Price

$18.66

$6.74 discount

UndervaluedFair: $25.40Overvalued

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

TWIN4 strengths · Avg: 9.5/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
2239.0%10/10

Earnings expanding 2239.0% YoY

Revenue GrowthGrowth
19.0%8/10

19.0% revenue growth

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

TWIN4 concerns · Avg: 2.8/10
Market CapQuality
$288.75M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.3%3/10

7.3% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.162/10

Expensive relative to growth rate

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 : TWIN

The strongest argument for TWIN centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 19.0% demonstrates continued momentum.

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 : TWIN

The primary concerns for TWIN are Market Cap, Profit Margin, Piotroski F-Score.

Key Dynamics to Monitor

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

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

TWIN is growing revenue faster at 19.0% — sustainability is the question.

TWIN generates stronger free cash flow (2M), providing more financial flexibility.

Bottom Line

TWIN scores higher overall (62/100 vs 51/100) and 19.0% revenue growth. 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.

Twin Disc Incorporated

INDUSTRIALS · SPECIALTY INDUSTRIAL MACHINERY · USA

Twin Disc, Incorporated designs, manufactures and sells power transmission equipment for off-highway and marine use worldwide. The company is headquartered in Racine, Wisconsin.

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