WallStSmart

CNH Industrial N.V. (CNH)vsSFL Corporation Ltd (SFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 2453% more annual revenue ($18.19B vs $712.36M). SFL leads profitability with a 9.0% profit margin vs 1.7%. SFL trades at a lower P/E of 52.2x. SFL earns a higher WallStSmart Score of 55/100 (C-).

CNH

Hold

49

out of 100

Grade: D+

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

SFL

Buy

55

out of 100

Grade: C-

Growth: 6.0Profit: 6.5Value: 5.7Quality: 2.5
Piotroski: 3/9Altman Z: 0.42
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

SFLUndervalued (+52.7%)

Margin of Safety

+52.7%

Fair Value

$21.14

Current Price

$13.18

$7.96 discount

UndervaluedFair: $21.14Overvalued

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

SFL3 strengths · Avg: 9.3/10
Operating MarginProfitability
33.7%10/10

Strong operational efficiency at 33.7%

EPS GrowthGrowth
2179.0%10/10

Earnings expanding 2179.0% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

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

SFL4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.7%4/10

2.7% revenue growth

Market CapQuality
$1.74B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.3%3/10

ROE of 3.3% — below average capital efficiency

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 : SFL

The strongest argument for SFL centers on Operating Margin, EPS Growth, Price/Book.

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 : SFL

The primary concerns for SFL are Revenue Growth, Market Cap, Return on Equity. A P/E of 52.2x leaves little room for execution misses. Debt-to-equity of 2.30 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

SFL is growing revenue faster at 2.7% — sustainability is the question.

SFL generates stronger free cash flow (72M), providing more financial flexibility.

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

Bottom Line

SFL scores higher overall (55/100 vs 49/100). Both earn "Buy" 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.

SFL Corporation Ltd

INDUSTRIALS · MARINE SHIPPING · USA

SFL Corporation Ltd. is engaged in the ownership, operation and chartering of vessels and related assets offshore in medium and long-term charters. The company is headquartered in Hamilton, Bermuda.

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