WallStSmart

CNH Industrial N.V. (CNH)vsrYojbaba Co., Ltd. Common Shares (RYOJ)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 194692% more annual revenue ($18.19B vs $9.34M). CNH leads profitability with a 1.7% profit margin vs 1.3%. CNH trades at a lower P/E of 57.6x. 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

RYOJ

Avoid

20

out of 100

Grade: F

Growth: 3.3Profit: 3.0Value: 4.0Quality: 5.5
Piotroski: 3/9

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

RYOJ0 strengths · Avg: 0/10

No standout strengths identified

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

RYOJ4 concerns · Avg: 3.3/10
Price/BookValuation
8.8x4/10

Trading at 8.8x book value

Market CapQuality
$59.60M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.0%3/10

ROE of 2.0% — below average capital efficiency

Profit MarginProfitability
1.3%3/10

1.3% margin — thin

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 : RYOJ

RYOJ has a balanced fundamental profile.

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 : RYOJ

The primary concerns for RYOJ are Price/Book, Market Cap, Return on Equity. A P/E of 516.0x leaves little room for execution misses. Thin 1.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

CNH is growing revenue faster at 2.0% — sustainability is the question.

RYOJ generates stronger free cash flow (688,484), providing more financial flexibility.

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

Bottom Line

CNH scores higher overall (49/100 vs 20/100). Both earn "Hold" and "Avoid" 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.

rYojbaba Co., Ltd. Common Shares

INDUSTRIALS · CONSULTING SERVICES · USA

rYojbaba Co., Ltd. provides consulting and health services to various customers in Japan. The company is headquartered in Fukuoka City, Japan.

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