WallStSmart

CNH Industrial N.V. (CNH)vsRyanair Holdings PLC ADR (RYAAY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 18% more annual revenue ($18.09B vs $15.33B). RYAAY leads profitability with a 14.6% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. RYAAY earns a higher WallStSmart Score of 60/100 (C).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 5.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

RYAAY

Buy

60

out of 100

Grade: C

Growth: 6.0Profit: 7.0Value: 6.7Quality: 6.0
Piotroski: 4/9Altman Z: 1.85
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHSignificantly Overvalued (-358.8%)

Margin of Safety

-358.8%

Fair Value

$2.79

Current Price

$10.72

$7.93 premium

UndervaluedFair: $2.79Overvalued
RYAAYSignificantly Overvalued (-94.4%)

Margin of Safety

-94.4%

Fair Value

$33.46

Current Price

$58.48

$25.02 premium

UndervaluedFair: $33.46Overvalued

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
1.7x8/10

Reasonable price relative to book value

RYAAY4 strengths · Avg: 9.0/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Return on EquityProfitability
26.4%9/10

Every $100 of equity generates 26 in profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.838/10

Growing faster than its price suggests

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
26.1x4/10

Moderate valuation

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

RYAAY4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

EPS GrowthGrowth
-79.0%2/10

Earnings declined 79.0%

Free Cash FlowQuality
$-392.53M2/10

Negative free cash flow — burning cash

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 : RYAAY

The strongest argument for RYAAY centers on P/E Ratio, Return on Equity, Debt/Equity. PEG of 0.83 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 2.8% margins leave little buffer for downturns.

Bear Case : RYAAY

The primary concerns for RYAAY are Altman Z-Score, Operating Margin, EPS Growth.

Key Dynamics to Monitor

CNH carries more volatility with a beta of 1.32 — expect wider price swings.

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

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

Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RYAAY scores higher overall (60/100 vs 57/100). 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.

Ryanair Holdings PLC ADR

INDUSTRIALS · AIRLINES · USA

Ryanair Holdings plc, offers regular passenger airline services in Ireland, the United Kingdom, Italy, Spain, Germany and other European countries. The company is headquartered in Swords, Ireland.

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