WallStSmart

CNH Industrial N.V. (CNH)vsVoyager Technologies, Inc. (VOYG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 10773% more annual revenue ($18.09B vs $166.42M). CNH leads profitability with a 2.8% profit margin vs -63.0%. 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

VOYG

Avoid

27

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 5.0Quality: 5.3
Piotroski: 3/9Altman Z: -2.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.71

$12.65 discount

UndervaluedFair: $23.36Overvalued

Intrinsic value data unavailable for VOYG.

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

VOYG1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
23.7%8/10

Revenue surging 23.7% year-over-year

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%

VOYG4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.51B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-56.7%2/10

ROE of -56.7% — below average capital efficiency

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 : VOYG

The strongest argument for VOYG centers on Revenue Growth. Revenue growth of 23.7% demonstrates continued momentum.

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 : VOYG

The primary concerns for VOYG are EPS Growth, Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

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

VOYG is growing revenue faster at 23.7% — 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 27/100). 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.

Voyager Technologies, Inc.

INDUSTRIALS · AEROSPACE & DEFENSE · USA

Voyager Technologies, Inc. is a defense technology and space solutions company in the United States, Europe, the Middle East, and internationally. The company is headquartered in Denver, Colorado.

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