WallStSmart

CNH Industrial N.V. (CNH)vsUS Xpress Enterprises Inc (USX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 747% more annual revenue ($18.09B vs $2.14B). CNH leads profitability with a 2.1% profit margin vs -2.9%. CNH earns a higher WallStSmart Score of 51/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

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

USX

Hold

43

out of 100

Grade: D

Growth: 6.0Profit: 2.8Value: 5.0Quality: 3.5
Piotroski: 4/9Altman Z: 1.47

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

USX1 strengths · Avg: 10.0/10
EPS GrowthGrowth
104.6%10/10

Earnings expanding 104.6% YoY

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

USX4 concerns · Avg: 2.3/10
Market CapQuality
$331.91M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-4.7%2/10

Revenue declined 4.7%

Free Cash FlowQuality
$-50.25M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

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 : USX

The strongest argument for USX centers on EPS 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 : USX

The primary concerns for USX are Market Cap, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.00 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

USX carries more volatility with a beta of 2.17 — expect wider price swings.

CNH is growing revenue faster at -0.1% — sustainability is the question.

USX generates stronger free cash flow (-50M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (51/100 vs 43/100). 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.

US Xpress Enterprises Inc

INDUSTRIALS · TRUCKING · USA

US Xpress Enterprises, Inc. is an asset-based truck freight carrier serving primarily the United States. The company is headquartered in Chattanooga, Tennessee.

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