WallStSmart

CNH Industrial N.V. (CNH)vsUL Solutions Inc. (ULS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 493% more annual revenue ($18.09B vs $3.05B). ULS leads profitability with a 10.6% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. CNH earns a higher WallStSmart Score of 57/100 (C).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 8.0Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

ULS

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 8.0Value: 4.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.48

$12.88 discount

UndervaluedFair: $23.36Overvalued
ULSUndervalued (+24.9%)

Margin of Safety

+24.9%

Fair Value

$96.58

Current Price

$91.60

$4.98 discount

UndervaluedFair: $96.58Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.578/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

ULS1 strengths · Avg: 10.0/10
Return on EquityProfitability
31.0%10/10

Every $100 of equity generates 31 in profit

Areas to Watch

CNH4 concerns · Avg: 3.3/10
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

Operating MarginProfitability
1.9%3/10

Operating margin of 1.9%

ULS4 concerns · Avg: 3.0/10
PEG RatioValuation
2.324/10

Expensive relative to growth rate

Price/BookValuation
14.6x4/10

Trading at 14.6x book value

P/E RatioValuation
55.0x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-17.5%2/10

Earnings declined 17.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.57 suggests the stock is reasonably priced for its growth.

Bull Case : ULS

The strongest argument for ULS centers on Return on Equity.

Bear Case : CNH

The primary concerns for CNH are Altman Z-Score, Return on Equity, Profit Margin. Thin 2.8% margins leave little buffer for downturns.

Bear Case : ULS

The primary concerns for ULS are PEG Ratio, Price/Book, P/E Ratio. A P/E of 55.0x leaves little room for execution misses.

Key Dynamics to Monitor

CNH carries more volatility with a beta of 1.33 — expect wider price swings.

ULS is growing revenue faster at 6.8% — sustainability is the question.

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

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

Bottom Line

CNH scores higher overall (57/100 vs 52/100). ULS offers better value entry with a 24.9% margin of safety. 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.

UL Solutions Inc.

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

UL Solutions Inc. provides safety science services globally. The company is headquartered in Northbrook, Illinois with additional offices in North America, Asia Pacific, Africa, Europe, Latin America, and Middle East.

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