WallStSmart

CNH Industrial N.V. (CNH)vsDiana Shipping Inc. (DSX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 8381% more annual revenue ($18.09B vs $213.34M). DSX leads profitability with a 20.6% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.61. DSX earns a higher WallStSmart Score of 65/100 (B-).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.89

DSX

Strong Buy

65

out of 100

Grade: B-

Growth: 4.7Profit: 6.0Value: 8.7Quality: 4.3
Piotroski: 4/9Altman Z: 0.17
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

DSXUndervalued (+68.3%)

Margin of Safety

+68.3%

Fair Value

$7.70

Current Price

$2.34

$5.36 discount

UndervaluedFair: $7.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.618/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

DSX5 strengths · Avg: 9.4/10
P/E RatioValuation
6.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
2374.0%10/10

Earnings expanding 2374.0% YoY

Profit MarginProfitability
20.6%9/10

Keeps 21 of every $100 in revenue as profit

Operating MarginProfitability
20.6%8/10

Strong operational efficiency at 20.6%

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
33.6x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.894/10

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

DSX4 concerns · Avg: 2.8/10
Market CapQuality
$291.10M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.5%3/10

ROE of 3.5% — below average capital efficiency

Debt/EquityHealth
1.173/10

Elevated debt levels

Revenue GrowthGrowth
-0.4%2/10

Revenue declined 0.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : DSX

The strongest argument for DSX centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 20.6% and operating margin at 20.6%. PEG of 1.44 suggests the stock is reasonably priced for its growth.

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 : DSX

The primary concerns for DSX are Market Cap, Return on Equity, Debt/Equity.

Key Dynamics to Monitor

CNH profiles as a value stock while DSX is a declining play — different risk/reward profiles.

CNH carries more volatility with a beta of 1.23 — expect wider price swings.

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

DSX generates stronger free cash flow (20M), providing more financial flexibility.

Bottom Line

DSX scores higher overall (65/100 vs 51/100), backed by strong 20.6% margins. Both earn "Strong 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.

Diana Shipping Inc.

INDUSTRIALS · MARINE SHIPPING · USA

Diana Shipping Inc. provides ocean freight services. The company is headquartered in Athens, Greece.

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