WallStSmart

CNH Industrial N.V. (CNH)vsSBC Medical Group Holdings Incorporated (SBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 10323% more annual revenue ($18.09B vs $173.61M). SBC leads profitability with a 29.4% profit margin vs 2.8%. SBC trades at a lower P/E of 6.8x. SBC earns a higher WallStSmart Score of 64/100 (C+).

CNH

Buy

57

out of 100

Grade: C

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

SBC

Buy

64

out of 100

Grade: C+

Growth: 4.7Profit: 9.0Value: 6.3Quality: 9.0
Piotroski: 4/9Altman Z: 4.69
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
SBCOvervalued (-11.6%)

Margin of Safety

-11.6%

Fair Value

$4.15

Current Price

$3.30

$0.85 premium

UndervaluedFair: $4.15Overvalued

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

SBC6 strengths · Avg: 9.8/10
P/E RatioValuation
6.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.5%10/10

Strong operational efficiency at 32.5%

EPS GrowthGrowth
117.5%10/10

Earnings expanding 117.5% YoY

Altman Z-ScoreHealth
4.6910/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
22.3%9/10

Every $100 of equity generates 22 in profit

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%

SBC2 concerns · Avg: 2.5/10
Market CapQuality
$346.71M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-10.9%2/10

Revenue declined 10.9%

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 : SBC

The strongest argument for SBC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.4% and operating margin at 32.5%.

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 : SBC

The primary concerns for SBC are Market Cap, Revenue Growth.

Key Dynamics to Monitor

CNH profiles as a value stock while SBC is a declining 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

SBC scores higher overall (64/100 vs 57/100), backed by strong 29.4% margins. 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.

SBC Medical Group Holdings Incorporated

INDUSTRIALS · CONSULTING SERVICES · USA

SBC Medical Group Holdings, incorporated in Delaware in 2023 and headquartered in Tokyo, Japan, provides management services to cosmetic treatment centers primarily in Japan, with additional locations in Vietnam and California.

Visit Website →

Want to dig deeper into these stocks?