WallStSmart

CNH Industrial N.V. (CNH)vsHafnia Limited (HAFN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 582% more annual revenue ($18.19B vs $2.67B). HAFN leads profitability with a 24.7% profit margin vs 1.7%. HAFN trades at a lower P/E of 7.1x. HAFN earns a higher WallStSmart Score of 78/100 (B+).

CNH

Hold

49

out of 100

Grade: D+

Growth: 2.7Profit: 4.5Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.56

HAFN

Strong Buy

78

out of 100

Grade: B+

Growth: 8.7Profit: 8.5Value: 5.7Quality: 6.5
Piotroski: 3/9Altman Z: 2.32
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

HAFNSignificantly Overvalued (-80.2%)

Margin of Safety

-80.2%

Fair Value

$3.68

Current Price

$9.38

$5.70 premium

UndervaluedFair: $3.68Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 9.0/10
PEG RatioValuation
0.3810/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

HAFN6 strengths · Avg: 9.2/10
P/E RatioValuation
7.1x10/10

Attractively priced relative to earnings

Revenue GrowthGrowth
47.2%10/10

Revenue surging 47.2% year-over-year

EPS GrowthGrowth
266.7%10/10

Earnings expanding 266.7% YoY

Profit MarginProfitability
24.7%9/10

Keeps 25 of every $100 in revenue as profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

Areas to Watch

CNH4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

Altman Z-ScoreHealth
1.564/10

Distress zone — elevated risk

Return on EquityProfitability
4.0%3/10

ROE of 4.0% — below average capital efficiency

Profit MarginProfitability
1.7%3/10

1.7% margin — thin

HAFN1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.38 suggests the stock is reasonably priced for its growth.

Bull Case : HAFN

The strongest argument for HAFN centers on P/E Ratio, Revenue Growth, EPS Growth. Profitability is solid with margins at 24.7% and operating margin at 29.5%. Revenue growth of 47.2% demonstrates continued momentum.

Bear Case : CNH

The primary concerns for CNH are Revenue Growth, Altman Z-Score, Return on Equity. A P/E of 57.6x leaves little room for execution misses. Debt-to-equity of 3.39 is elevated, increasing financial risk.

Bear Case : HAFN

The primary concerns for HAFN are Piotroski F-Score.

Key Dynamics to Monitor

CNH profiles as a value stock while HAFN is a growth play — different risk/reward profiles.

CNH carries more volatility with a beta of 1.24 — expect wider price swings.

HAFN is growing revenue faster at 47.2% — sustainability is the question.

HAFN generates stronger free cash flow (252M), providing more financial flexibility.

Bottom Line

HAFN scores higher overall (78/100 vs 49/100), backed by strong 24.7% margins and 47.2% revenue growth. Both earn "Strong Buy" and "Hold" 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.

Hafnia Limited

INDUSTRIALS · MARINE SHIPPING · USA

Hafnia Limited owns and operates oil product tankers in Bermuda. The company is headquartered in Hamilton, Bermuda.

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