WallStSmart

CNH Industrial N.V. (CNH)vsSchneider National Inc (SNDR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 219% more annual revenue ($18.09B vs $5.67B). CNH leads profitability with a 2.8% profit margin vs 1.8%. CNH appears more attractively valued with a PEG of 0.57. CNH earns a higher WallStSmart Score of 57/100 (C).

CNH

Buy

57

out of 100

Grade: C

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

SNDR

Hold

43

out of 100

Grade: D

Growth: 2.7Profit: 4.0Value: 4.7Quality: 6.3
Piotroski: 4/9
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
SNDRUndervalued (+56.4%)

Margin of Safety

+56.4%

Fair Value

$68.18

Current Price

$30.37

$37.81 discount

UndervaluedFair: $68.18Overvalued

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

SNDR2 strengths · Avg: 8.5/10
Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

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%

SNDR4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.5%4/10

4.5% revenue growth

Return on EquityProfitability
3.5%3/10

ROE of 3.5% — below average capital efficiency

Profit MarginProfitability
1.8%3/10

1.8% margin — thin

Operating MarginProfitability
2.6%3/10

Operating margin of 2.6%

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 : SNDR

The strongest argument for SNDR centers on Debt/Equity, Price/Book.

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 : SNDR

The primary concerns for SNDR are Revenue Growth, Return on Equity, Profit Margin. A P/E of 51.5x leaves little room for execution misses. Thin 1.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

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.

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

Bottom Line

CNH scores higher overall (57/100 vs 43/100). SNDR offers better value entry with a 56.4% margin of safety. 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.

Schneider National Inc

INDUSTRIALS · TRUCKING · USA

Schneider National, Inc., a surface transportation and logistics solutions company, provides trucking, intermodal and logistics services in North America. The company is headquartered in Green Bay, Wisconsin.

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