WallStSmart

CNH Industrial N.V. (CNH)vsGATX Corporation (GATX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 940% more annual revenue ($18.09B vs $1.74B). GATX leads profitability with a 19.2% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. GATX earns a higher WallStSmart Score of 73/100 (B).

CNH

Buy

57

out of 100

Grade: C

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

GATX

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 5.3Quality: 5.3
Piotroski: 5/9Altman Z: 0.84
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
GATXSignificantly Overvalued (-57.4%)

Margin of Safety

-57.4%

Fair Value

$120.03

Current Price

$195.92

$75.89 premium

UndervaluedFair: $120.03Overvalued

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

GATX4 strengths · Avg: 8.5/10
Operating MarginProfitability
31.0%10/10

Strong operational efficiency at 31.0%

PEG RatioValuation
0.648/10

Growing faster than its price suggests

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.8%8/10

Earnings expanding 25.8% 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%

GATX2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-295.40M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.842/10

Distress zone — elevated risk

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 : GATX

The strongest argument for GATX centers on Operating Margin, PEG Ratio, Price/Book. Profitability is solid with margins at 19.2% and operating margin at 31.0%. PEG of 0.64 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 : GATX

The primary concerns for GATX are Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

CNH profiles as a value stock while GATX is a mature play — different risk/reward profiles.

CNH carries more volatility with a beta of 1.33 — expect wider price swings.

GATX is growing revenue faster at 8.6% — sustainability is the question.

CNH generates stronger free cash flow (533M), providing more financial flexibility.

Bottom Line

GATX scores higher overall (73/100 vs 57/100), backed by strong 19.2% margins. CNH offers better value entry with a 45.2% margin of safety. 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.

GATX Corporation

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

GATX Corporation (NYSE: GATX) strives to be recognized as the best car rental company in the world by our customers, our shareholders, our employees and the communities where we operate. The company is headquartered in Chicago, Illinois since its founding in 1898.

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