WallStSmart

Euro Tech Holdings Company Ltd (CLWT)vsCNH Industrial N.V. (CNH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 136297% more annual revenue ($18.09B vs $13.27M). CNH leads profitability with a 2.1% profit margin vs 1.2%. CLWT trades at a lower P/E of 17.1x. CNH earns a higher WallStSmart Score of 51/100 (C-).

CLWT

Avoid

33

out of 100

Grade: F

Growth: 2.0Profit: 3.5Value: 7.7Quality: 5.0

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 7.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.59
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CLWTUndervalued (+51.0%)

Margin of Safety

+51.0%

Fair Value

$2.43

Current Price

$1.22

$1.21 discount

UndervaluedFair: $2.43Overvalued
CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.35

Current Price

$10.82

$12.53 discount

UndervaluedFair: $23.35Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CLWT2 strengths · Avg: 9.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

P/E RatioValuation
17.1x8/10

Attractively priced relative to earnings

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.598/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

CLWT4 concerns · Avg: 3.0/10
Market CapQuality
$9.08M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.0%3/10

ROE of 1.0% — below average capital efficiency

Profit MarginProfitability
1.2%3/10

1.2% margin — thin

Operating MarginProfitability
1.8%3/10

Operating margin of 1.8%

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
32.8x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.594/10

Distress zone — elevated risk

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CLWT

The strongest argument for CLWT centers on Price/Book, P/E Ratio.

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.59 suggests the stock is reasonably priced for its growth.

Bear Case : CLWT

The primary concerns for CLWT are Market Cap, Return on Equity, Profit Margin. Thin 1.2% margins leave little buffer for downturns.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Thin 2.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

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

CLWT generates stronger free cash flow (-1M), providing more financial flexibility.

Monitor POLLUTION & TREATMENT CONTROLS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CNH scores higher overall (51/100 vs 33/100). CLWT offers better value entry with a 51.0% margin of safety. 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.

Euro Tech Holdings Company Ltd

INDUSTRIALS · POLLUTION & TREATMENT CONTROLS · USA

Euro Tech Holdings Company Limited distributes water treatment equipment, laboratory instruments, analyzers, test kits and related supplies, and power generation equipment to commercial customers and government agencies in Hong Kong and the People's Republic of China. The company is headquartered in Hong Kong, Hong Kong.

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.

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