WallStSmart

CNH Industrial N.V. (CNH)vsHarte Hanks Inc (HHS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 11240% more annual revenue ($18.09B vs $159.57M). CNH leads profitability with a 2.8% profit margin vs -0.5%. CNH appears more attractively valued with a PEG of 0.57. CNH earns a higher WallStSmart Score of 57/100 (C).

CNH

Buy

57

out of 100

Grade: C

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

HHS

Hold

37

out of 100

Grade: F

Growth: 2.0Profit: 2.5Value: 7.0Quality: 6.0
Piotroski: 5/9Altman Z: 13.22
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
HHSUndervalued (+70.7%)

Margin of Safety

+70.7%

Fair Value

$9.81

Current Price

$2.77

$7.04 discount

UndervaluedFair: $9.81Overvalued

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

HHS2 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
13.2210/10

Safe zone — low bankruptcy risk

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%

HHS4 concerns · Avg: 2.5/10
Market CapQuality
$20.54M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.093/10

Elevated debt levels

Return on EquityProfitability
-3.8%2/10

ROE of -3.8% — below average capital efficiency

Revenue GrowthGrowth
-15.4%2/10

Revenue declined 15.4%

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 : HHS

The strongest argument for HHS centers on Price/Book, Altman Z-Score. PEG of 1.19 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 : HHS

The primary concerns for HHS are Market Cap, Debt/Equity, Return on Equity.

Key Dynamics to Monitor

CNH profiles as a value stock while HHS 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 5.8% — sustainability is the question.

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

Bottom Line

CNH scores higher overall (57/100 vs 37/100). HHS offers better value entry with a 70.7% margin of safety. Both earn "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.

Harte Hanks Inc

INDUSTRIALS · CONGLOMERATES · USA

Harte Hanks, Inc. is a customer experience company in the United States and internationally. The company is headquartered in Chelmsford, Massachusetts.

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