WallStSmart

CNH Industrial N.V. (CNH)vsComfort Systems USA Inc (FIX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 79% more annual revenue ($18.09B vs $10.14B). FIX leads profitability with a 12.1% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. FIX earns a higher WallStSmart Score of 60/100 (C).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 8.0Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

FIX

Buy

60

out of 100

Grade: C

Growth: 8.0Profit: 8.0Value: 4.3Quality: 6.3
Piotroski: 4/9Altman Z: 3.72
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

Intrinsic value data unavailable for FIX.

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

FIX4 strengths · Avg: 9.3/10
Return on EquityProfitability
53.3%10/10

Every $100 of equity generates 53 in profit

Altman Z-ScoreHealth
3.7210/10

Safe zone — low bankruptcy risk

Market CapQuality
$64.78B9/10

Large-cap with strong market position

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

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%

FIX3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

P/E RatioValuation
53.2x2/10

Premium valuation, high expectations priced in

Price/BookValuation
93.9x2/10

Trading at 93.9x book value

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 : FIX

The strongest argument for FIX centers on Return on Equity, Altman Z-Score, Market Cap. PEG of 1.44 suggests the stock is reasonably priced for its growth.

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 : FIX

The primary concerns for FIX are Revenue Growth, P/E Ratio, Price/Book. A P/E of 53.2x leaves little room for execution misses.

Key Dynamics to Monitor

FIX carries more volatility with a beta of 1.60 — 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

FIX scores higher overall (60/100 vs 57/100). CNH offers better value entry with a 45.2% margin of safety. 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.

Comfort Systems USA Inc

INDUSTRIALS · ENGINEERING & CONSTRUCTION · USA

Comfort Systems USA, Inc. provides mechanical and electrical installation, renovation, maintenance, repair and replacement services for the mechanical and electrical service industry in the United States. The company is headquartered in Houston, Texas.

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