WallStSmart

CNH Industrial N.V. (CNH)vsDevvStream Corp. Common Stock (DEVS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 73879038% more annual revenue ($18.09B vs $24,490). CNH leads profitability with a 2.1% profit margin vs 0.0%. CNH earns a higher WallStSmart Score of 51/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.84

DEVS

Avoid

24

out of 100

Grade: F

Growth: 3.7Profit: 3.0Value: 5.0Quality: 5.0
Piotroski: 5/9Altman Z: -8.61

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.628/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

DEVS1 strengths · Avg: 10.0/10
Debt/EquityHealth
-0.4510/10

Conservative balance sheet, low leverage

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
34.7x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Return on EquityProfitability
5.0%3/10

ROE of 5.0% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

DEVS4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$5.37M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.62 suggests the stock is reasonably priced for its growth.

Bull Case : DEVS

The strongest argument for DEVS centers on Debt/Equity.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Debt-to-equity of 3.37 is elevated, increasing financial risk. Thin 2.1% margins leave little buffer for downturns.

Bear Case : DEVS

The primary concerns for DEVS are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

CNH carries more volatility with a beta of 1.21 — expect wider price swings.

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

DEVS generates stronger free cash flow (-7M), providing more financial flexibility.

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

Bottom Line

CNH scores higher overall (51/100 vs 24/100). 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.

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.

DevvStream Corp. Common Stock

INDUSTRIALS · POLLUTION & TREATMENT CONTROLS · USA

DevvStream Holdings Inc. is a carbon credit generation in Canada and the United States.

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