WallStSmart

CNH Industrial N.V. (CNH)vsFluor Corporation (FLR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 17% more annual revenue ($18.09B vs $15.50B). CNH leads profitability with a 2.1% profit margin vs -0.3%. CNH appears more attractively valued with a PEG of 0.59. FLR earns a higher WallStSmart Score of 52/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

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

FLR

Buy

52

out of 100

Grade: C-

Growth: 5.3Profit: 2.5Value: 7.0Quality: 7.5
Piotroski: 4/9Altman Z: 3.12
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.35

Current Price

$10.82

$12.53 discount

UndervaluedFair: $23.35Overvalued
FLRUndervalued (+45.6%)

Margin of Safety

+45.6%

Fair Value

$87.05

Current Price

$54.20

$32.85 discount

UndervaluedFair: $87.05Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

FLR3 strengths · Avg: 9.3/10
EPS GrowthGrowth
1427.0%10/10

Earnings expanding 1427.0% YoY

Altman Z-ScoreHealth
3.1210/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

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

FLR4 concerns · Avg: 2.3/10
Operating MarginProfitability
2.0%3/10

Operating margin of 2.0%

Return on EquityProfitability
-1.7%2/10

ROE of -1.7% — below average capital efficiency

Revenue GrowthGrowth
-2.0%2/10

Revenue declined 2.0%

Free Cash FlowQuality
$-378.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : FLR

The strongest argument for FLR centers on EPS Growth, Altman Z-Score, Price/Book. PEG of 1.34 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. Thin 2.1% margins leave little buffer for downturns.

Bear Case : FLR

The primary concerns for FLR are Operating Margin, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

CNH profiles as a value stock while FLR is a turnaround play — different risk/reward profiles.

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.

CNH generates stronger free cash flow (-58M), providing more financial flexibility.

Bottom Line

FLR scores higher overall (52/100 vs 51/100). 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.

Fluor Corporation

INDUSTRIALS · ENGINEERING & CONSTRUCTION · USA

Fluor Corporation provides engineering, procurement, construction, manufacturing and modularization, operation, maintenance and asset integrity and project management services globally. The company is headquartered in Irving, Texas.

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