WallStSmart

CNH Industrial N.V. (CNH)vsGibraltar Industries Inc (ROCK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 1493% more annual revenue ($18.09B vs $1.14B). CNH leads profitability with a 2.1% profit margin vs -3.9%. CNH appears more attractively valued with a PEG of 0.58. ROCK earns a higher WallStSmart Score of 55/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 7.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.59

ROCK

Buy

55

out of 100

Grade: C-

Growth: 4.0Profit: 5.0Value: 6.7Quality: 6.3
Piotroski: 3/9Altman Z: 3.99
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHUndervalued (+45.2%)

Margin of Safety

+45.2%

Fair Value

$23.36

Current Price

$10.96

$12.40 discount

UndervaluedFair: $23.36Overvalued
ROCKSignificantly Overvalued (-41.2%)

Margin of Safety

-41.2%

Fair Value

$38.34

Current Price

$40.81

$2.47 premium

UndervaluedFair: $38.34Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.588/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

ROCK5 strengths · Avg: 9.2/10
P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.9910/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.598/10

Growing faster than its price suggests

Revenue GrowthGrowth
16.0%8/10

16.0% revenue growth

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
33.9x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.594/10

Distress zone — elevated risk

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

ROCK4 concerns · Avg: 2.3/10
Market CapQuality
$1.12B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-16.6%2/10

Earnings declined 16.6%

Profit MarginProfitability
-3.9%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.58 suggests the stock is reasonably priced for its growth.

Bull Case : ROCK

The strongest argument for ROCK centers on P/E Ratio, Price/Book, Altman Z-Score. Revenue growth of 16.0% demonstrates continued momentum. PEG of 0.59 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. Thin 2.1% margins leave little buffer for downturns.

Bear Case : ROCK

The primary concerns for ROCK are Market Cap, Piotroski F-Score, EPS Growth.

Key Dynamics to Monitor

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

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

ROCK is growing revenue faster at 16.0% — sustainability is the question.

ROCK generates stronger free cash flow (26M), providing more financial flexibility.

Bottom Line

ROCK scores higher overall (55/100 vs 51/100) and 16.0% revenue growth. CNH offers better value entry with a 45.2% margin of safety. 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.

Gibraltar Industries Inc

INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA

Gibraltar Industries, Inc. manufactures and distributes construction products for the renewable energy, conservation, residential and infrastructure markets in North America and Asia. The company is headquartered in Buffalo, New York.

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