WallStSmart

CNH Industrial N.V. (CNH)vsCresud SACIF y A (CRESY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cresud SACIF y A generates 7485% more annual revenue ($1.38T vs $18.19B). CRESY leads profitability with a 12.9% profit margin vs 1.7%. CRESY trades at a lower P/E of 6.4x. CRESY earns a higher WallStSmart Score of 50/100 (C-).

CNH

Hold

49

out of 100

Grade: D+

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

CRESY

Buy

50

out of 100

Grade: C-

Growth: 6.0Profit: 6.0Value: 6.7Quality: 4.5
Piotroski: 6/9Altman Z: 0.90

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 9.0/10
PEG RatioValuation
0.3710/10

Growing faster than its price suggests

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

CRESY3 strengths · Avg: 9.3/10
P/E RatioValuation
6.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.88B8/10

Generating 4.9B in free cash flow

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

CRESY4 concerns · Avg: 2.5/10
Market CapQuality
$861.03M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.503/10

Elevated debt levels

EPS GrowthGrowth
-50.3%2/10

Earnings declined 50.3%

Altman Z-ScoreHealth
0.902/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.37 suggests the stock is reasonably priced for its growth.

Bull Case : CRESY

The strongest argument for CRESY centers on P/E Ratio, Price/Book, Free Cash Flow.

Bear Case : CNH

The primary concerns for CNH are Revenue Growth, Altman Z-Score, Return on Equity. A P/E of 54.2x leaves little room for execution misses. Debt-to-equity of 3.39 is elevated, increasing financial risk.

Bear Case : CRESY

The primary concerns for CRESY are Market Cap, Debt/Equity, EPS Growth. Debt-to-equity of 1.50 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

CRESY is growing revenue faster at 8.3% — sustainability is the question.

CRESY generates stronger free cash flow (4.9B), providing more financial flexibility.

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

Bottom Line

CRESY scores higher overall (50/100 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.

Cresud SACIF y A

INDUSTRIALS · CONGLOMERATES · USA

Cresud Sociedad Annima Comercial, Inmobiliaria, Financiera y Agropecuaria, an agricultural company, produces agricultural commodities in Brazil and other Latin American countries. The company is headquartered in Buenos Aires, Argentina.

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