WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 19% more annual revenue ($18.09B vs $15.18B). FLR leads profitability with a 2.3% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.61. FLR earns a higher WallStSmart Score of 58/100 (C).

CNH

Buy

51

out of 100

Grade: C-

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

FLR

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 3.5Value: 5.3Quality: 7.5
Piotroski: 4/9Altman Z: 3.12
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

FLROvervalued (-7.3%)

Margin of Safety

-7.3%

Fair Value

$47.29

Current Price

$50.41

$3.12 premium

UndervaluedFair: $47.29Overvalued

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

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
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

FLR3 concerns · Avg: 2.0/10
Profit MarginProfitability
2.3%3/10

2.3% margin — thin

Revenue GrowthGrowth
-8.0%2/10

Revenue declined 8.0%

Operating MarginProfitability
-1.2%1/10

Operating margin of -1.2%

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 : FLR

The strongest argument for FLR centers on EPS Growth, Altman Z-Score, Price/Book. PEG of 1.10 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 : FLR

The primary concerns for FLR are Profit Margin, Revenue Growth, Operating Margin. Thin 2.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

FLR carries more volatility with a beta of 1.26 — expect wider price swings.

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

FLR generates stronger free cash flow (99M), providing more financial flexibility.

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

Bottom Line

FLR scores higher overall (58/100 vs 51/100). 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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