WallStSmart

CNH Industrial N.V. (CNH)vsSun Country Airlines Holdings Inc (SNCY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 1489% more annual revenue ($18.09B vs $1.14B). SNCY leads profitability with a 3.5% profit margin vs 2.1%. SNCY trades at a lower P/E of 23.3x. CNH earns a higher WallStSmart Score of 51/100 (C-).

CNH

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 5.7Quality: 5.5
Piotroski: 3/9Altman Z: 1.89

SNCY

Hold

45

out of 100

Grade: D

Growth: 4.0Profit: 5.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

SNCYFair Value (-4.2%)

Margin of Safety

-4.2%

Fair Value

$20.00

Current Price

$16.17

$3.83 premium

UndervaluedFair: $20.00Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.618/10

Growing faster than its price suggests

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

SNCY1 strengths · Avg: 10.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
33.6x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

Return on EquityProfitability
5.0%3/10

ROE of 5.0% — below average capital efficiency

Profit MarginProfitability
2.1%3/10

2.1% margin — thin

SNCY4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
3.6%4/10

3.6% revenue growth

Market CapQuality
$922.42M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.4%3/10

ROE of 6.4% — below average capital efficiency

Profit MarginProfitability
3.5%3/10

3.5% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : SNCY

The strongest argument for SNCY centers on Price/Book.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Debt-to-equity of 3.37 is elevated, increasing financial risk. Thin 2.1% margins leave little buffer for downturns.

Bear Case : SNCY

The primary concerns for SNCY are Revenue Growth, Market Cap, Return on Equity. Thin 3.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

SNCY carries more volatility with a beta of 1.40 — expect wider price swings.

SNCY is growing revenue faster at 3.6% — sustainability is the question.

SNCY generates stronger free cash flow (-11M), providing more financial flexibility.

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

Bottom Line

CNH scores higher overall (51/100 vs 45/100). 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.

Sun Country Airlines Holdings Inc

INDUSTRIALS · AIRLINES · USA

Sun Country Airlines Holdings, Inc., an air transportation company, provides scheduled passenger service, air cargo service, charter air transportation, and related services in the United States, Latin America, and internationally. The company is headquartered in Minneapolis, Minnesota.

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