WallStSmart

CNH Industrial N.V. (CNH)vsSturm Ruger & Company Inc (RGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 3050% more annual revenue ($18.19B vs $577.24M). RGR leads profitability with a 2.1% profit margin vs 1.7%. RGR trades at a lower P/E of 52.0x. CNH earns a higher WallStSmart Score of 49/100 (D+).

CNH

Hold

49

out of 100

Grade: D+

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

RGR

Hold

38

out of 100

Grade: F

Growth: 4.0Profit: 4.5Value: 4.3Quality: 8.5
Piotroski: 3/9Altman Z: 6.73
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

RGRUndervalued (+10.7%)

Margin of Safety

+10.7%

Fair Value

$41.59

Current Price

$37.72

$3.87 discount

UndervaluedFair: $41.59Overvalued

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

RGR4 strengths · Avg: 9.0/10
Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
6.7310/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
19.3%8/10

19.3% revenue growth

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

RGR4 concerns · Avg: 3.0/10
Market CapQuality
$615.00M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.2%3/10

ROE of 4.2% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

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 : RGR

The strongest argument for RGR centers on Debt/Equity, Altman Z-Score, Price/Book. Revenue growth of 19.3% 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 : RGR

The primary concerns for RGR are Market Cap, Return on Equity, Profit Margin. A P/E of 52.0x leaves little room for execution misses. Thin 2.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

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

RGR is growing revenue faster at 19.3% — sustainability is the question.

RGR generates stronger free cash flow (12M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (49/100 vs 38/100). Both earn "Hold" 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.

Sturm Ruger & Company Inc

INDUSTRIALS · AEROSPACE & DEFENSE · USA

Sturm, Ruger & Company, Inc. designs, manufactures, and sells firearms under the Ruger name and trademark in the United States. The company is headquartered in Southport, Connecticut.

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