CNH Industrial N.V. (CNH)vsUnited Airlines Holdings Inc (UAL)
CNH
CNH Industrial N.V.
$13.58
+0.59%
INDUSTRIALS · Cap: $23.16B
UAL
United Airlines Holdings Inc
$109.82
+3.13%
INDUSTRIALS · Cap: $35.13B
Smart Verdict
WallStSmart Research — data-driven comparison
United Airlines Holdings Inc generates 246% more annual revenue ($62.90B vs $18.19B). UAL leads profitability with a 5.6% profit margin vs 1.7%. CNH appears more attractively valued with a PEG of 0.38. UAL earns a higher WallStSmart Score of 57/100 (C).
CNH
Hold49
out of 100
Grade: D+
UAL
Buy57
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CNH.
Margin of Safety
-55.8%
Fair Value
$68.74
Current Price
$109.82
$41.08 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
16.0% revenue growth
Areas to Watch
2.0% revenue growth
Distress zone — elevated risk
ROE of 4.0% — below average capital efficiency
1.7% margin — thin
5.6% margin — thin
Expensive relative to growth rate
Earnings declined 17.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : UAL
The strongest argument for UAL centers on P/E Ratio, Return on Equity, Price/Book. Revenue growth of 16.0% demonstrates continued momentum.
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 : UAL
The primary concerns for UAL are Profit Margin, PEG Ratio, EPS Growth. Debt-to-equity of 2.02 is elevated, increasing financial risk.
Key Dynamics to Monitor
CNH profiles as a value stock while UAL is a growth play — different risk/reward profiles.
UAL carries more volatility with a beta of 1.27 — expect wider price swings.
UAL is growing revenue faster at 16.0% — sustainability is the question.
UAL generates stronger free cash flow (267M), providing more financial flexibility.
Bottom Line
UAL scores higher overall (57/100 vs 49/100) and 16.0% revenue growth. Both earn "Buy" 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.
United Airlines Holdings Inc
INDUSTRIALS · AIRLINES · USA
United Airlines Holdings, Inc. (formerly known as United Continental Holdings, Inc., UAL Corporation, Allegis Corporation and founded originally as UAL, Inc.) is a publicly traded airline holding company headquartered in the Willis Tower in Chicago. UAH owns and operates United Airlines, Inc.
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