WallStSmart

CNH Industrial N.V. (CNH)vsXerox Corp (XRX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 158% more annual revenue ($18.09B vs $7.02B). CNH leads profitability with a 2.8% profit margin vs -14.6%. XRX appears more attractively valued with a PEG of 0.20. XRX earns a higher WallStSmart Score of 60/100 (C).

CNH

Buy

57

out of 100

Grade: C

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

XRX

Buy

60

out of 100

Grade: C

Growth: 6.0Profit: 2.5Value: 6.7Quality: 3.0
Piotroski: 3/9Altman Z: 0.99
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.08

$13.28 discount

UndervaluedFair: $23.36Overvalued

Intrinsic value data unavailable for XRX.

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
1.6x8/10

Reasonable price relative to book value

XRX3 strengths · Avg: 9.3/10
PEG RatioValuation
0.2010/10

Growing faster than its price suggests

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
25.7%8/10

Revenue surging 25.7% 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%

XRX4 concerns · Avg: 2.8/10
Market CapQuality
$211.86M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.8%3/10

Operating margin of 1.8%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-104.1%2/10

ROE of -104.1% — 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 : XRX

The strongest argument for XRX centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 25.7% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.

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 : XRX

The primary concerns for XRX are Market Cap, Operating Margin, Piotroski F-Score. Debt-to-equity of 6.45 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

XRX carries more volatility with a beta of 1.83 — expect wider price swings.

XRX is growing revenue faster at 25.7% — sustainability is the question.

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

Bottom Line

XRX scores higher overall (60/100 vs 57/100) and 25.7% revenue growth. CNH offers better value entry with a 45.2% 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.

Xerox Corp

INDUSTRIALS · BUSINESS EQUIPMENT & SUPPLIES · USA

Xerox Holdings Corporation, a workplace technology company, designs, develops and sells document management systems and solutions in the United States, Europe, Canada and internationally. The company is headquartered in Norwalk, Connecticut.

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