WallStSmart

CNH Industrial N.V. (CNH)vsUrban-Gro Inc (UGRO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 85685% more annual revenue ($18.09B vs $21.09M). CNH leads profitability with a 2.8% profit margin vs -2.0%. CNH earns a higher WallStSmart Score of 57/100 (C).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 7.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

UGRO

Avoid

28

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHSignificantly Overvalued (-358.8%)

Margin of Safety

-358.8%

Fair Value

$2.79

Current Price

$11.16

$8.37 premium

UndervaluedFair: $2.79Overvalued

Intrinsic value data unavailable for UGRO.

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
1.8x8/10

Reasonable price relative to book value

UGRO0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
26.2x4/10

Moderate valuation

Altman Z-ScoreHealth
1.544/10

Distress zone — elevated risk

Return on EquityProfitability
6.5%3/10

ROE of 6.5% — below average capital efficiency

Profit MarginProfitability
2.8%3/10

2.8% margin — thin

UGRO4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$5.28M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-98.9%2/10

ROE of -98.9% — below average capital efficiency

Revenue GrowthGrowth
-70.1%2/10

Revenue declined 70.1%

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 : UGRO

UGRO has a balanced fundamental profile.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Thin 2.8% margins leave little buffer for downturns.

Bear Case : UGRO

The primary concerns for UGRO are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

UGRO carries more volatility with a beta of 1.89 — expect wider price swings.

CNH is growing revenue faster at 5.8% — sustainability is the question.

CNH generates stronger free cash flow (533M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (57/100 vs 28/100). Both earn "Buy" and "Avoid" 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.

Urban-Gro Inc

INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA

urban-gro, Inc. is an engineering design services company integrating complex environmental equipment systems to create indoor growing facilities for the commercial horticulture market in the United States, Canada and Europe. The company is headquartered in Lafayette, Colorado.

Want to dig deeper into these stocks?