WallStSmart

CNH Industrial N.V. (CNH)vsWillis Lease Finance Corporation (WLFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 2311% more annual revenue ($18.19B vs $754.30M). WLFC leads profitability with a 12.2% profit margin vs 1.7%. CNH appears more attractively valued with a PEG of 0.38. WLFC earns a higher WallStSmart Score of 63/100 (C+).

CNH

Hold

49

out of 100

Grade: D+

Growth: 2.7Profit: 4.5Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.56

WLFC

Buy

63

out of 100

Grade: C+

Growth: 5.3Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 1/9Altman Z: 0.88

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 9.0/10
PEG RatioValuation
0.3810/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

WLFC4 strengths · Avg: 8.5/10
Operating MarginProfitability
37.7%10/10

Strong operational efficiency at 37.7%

PEG RatioValuation
0.948/10

Growing faster than its price suggests

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

CNH4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

Altman Z-ScoreHealth
1.564/10

Distress zone — elevated risk

Return on EquityProfitability
4.0%3/10

ROE of 4.0% — below average capital efficiency

Profit MarginProfitability
1.7%3/10

1.7% margin — thin

WLFC4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.4%4/10

0.4% revenue growth

Market CapQuality
$1.34B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

EPS GrowthGrowth
-53.4%2/10

Earnings declined 53.4%

Comparative Analysis Report

WallStSmart Research

Bull 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 : WLFC

The strongest argument for WLFC centers on Operating Margin, PEG Ratio, P/E Ratio. PEG of 0.94 suggests the stock is reasonably priced for its growth.

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 : WLFC

The primary concerns for WLFC are Revenue Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 3.01 is elevated, increasing financial risk.

Key Dynamics to Monitor

CNH carries more volatility with a beta of 1.24 — expect wider price swings.

CNH is growing revenue faster at 2.0% — sustainability is the question.

WLFC generates stronger free cash flow (17M), providing more financial flexibility.

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

Bottom Line

WLFC scores higher overall (63/100 vs 49/100). 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.

Willis Lease Finance Corporation

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

Willis Lease Finance Corporation is a global lessor and manager of commercial aircraft and aircraft engines. The company is headquartered in Coconut Creek, Florida.

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