CNH Industrial N.V. (CNH)vsSumitomo Mitsui Financial Group Inc (SMFG)
CNH
CNH Industrial N.V.
$10.74
+2.78%
INDUSTRIALS · Cap: $12.34B
SMFG
Sumitomo Mitsui Financial Group Inc
$19.58
+0.26%
FINANCIAL SERVICES · Cap: $124.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Sumitomo Mitsui Financial Group Inc generates 20389% more annual revenue ($3.71T vs $18.09B). SMFG leads profitability with a 20.7% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. SMFG earns a higher WallStSmart Score of 76/100 (B+).
CNH
Buy57
out of 100
Grade: C
SMFG
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-358.8%
Fair Value
$2.79
Current Price
$10.74
$7.95 premium
Margin of Safety
+42.7%
Fair Value
$41.40
Current Price
$19.58
$21.82 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 21 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
ROE of 6.5% — below average capital efficiency
2.8% margin — thin
Operating margin of 1.9%
ROE of 4.9% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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 : SMFG
The strongest argument for SMFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 20.7% and operating margin at 39.3%. Revenue growth of 21.8% demonstrates continued momentum.
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 : SMFG
The primary concerns for SMFG are Return on Equity, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.89 is elevated, increasing financial risk.
Key Dynamics to Monitor
CNH profiles as a value stock while SMFG is a growth play — different risk/reward profiles.
CNH carries more volatility with a beta of 1.32 — expect wider price swings.
SMFG is growing revenue faster at 21.8% — sustainability is the question.
Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SMFG scores higher overall (76/100 vs 57/100), backed by strong 20.7% margins and 21.8% revenue growth. Both earn "Strong 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.
Sumitomo Mitsui Financial Group Inc
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Sumitomo Mitsui Financial Group, Inc. provides commercial banking, finance leasing, securities, consumer finance, and other services primarily in Japan. The company is headquartered in Tokyo, Japan.
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