WallStSmart

CNH Industrial N.V. (CNH)vsXylem Inc (XYL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 99% more annual revenue ($18.09B vs $9.09B). XYL leads profitability with a 10.8% 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

XYL

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 6.0Value: 4.0Quality: 7.5
Piotroski: 4/9Altman Z: 2.35
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
XYLSignificantly Overvalued (-21.0%)

Margin of Safety

-21.0%

Fair Value

$104.77

Current Price

$115.40

$10.63 premium

UndervaluedFair: $104.77Overvalued

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

XYL2 strengths · Avg: 8.5/10
Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

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%

XYL3 concerns · Avg: 4.0/10
PEG RatioValuation
1.674/10

Expensive relative to growth rate

P/E RatioValuation
28.7x4/10

Moderate valuation

Revenue GrowthGrowth
2.7%4/10

2.7% revenue growth

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 : XYL

The strongest argument for XYL centers on Debt/Equity, Price/Book.

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 : XYL

The primary concerns for XYL are PEG Ratio, P/E Ratio, Revenue Growth.

Key Dynamics to Monitor

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

CNH is growing revenue faster at 5.8% — 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 56/100). 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.

Xylem Inc

INDUSTRIALS · SPECIALTY INDUSTRIAL MACHINERY · USA

Xylem Inc. is a large American water technology provider, in public utility, residential, commercial, agricultural and industrial settings.

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