WallStSmart

CNH Industrial N.V. (CNH)vsTOMI Environmental Solutions Inc (TOMZ)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 262333% more annual revenue ($18.19B vs $6.93M). CNH leads profitability with a 1.7% profit margin vs -49.8%. CNH earns a higher WallStSmart Score of 49/100 (D+).

CNH

Hold

49

out of 100

Grade: D+

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

TOMZ

Avoid

28

out of 100

Grade: F

Growth: 5.3Profit: 2.0Value: 6.7Quality: 3.0
Piotroski: 3/9Altman Z: -12.04
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CNH.

TOMZUndervalued (+47.4%)

Margin of Safety

+47.4%

Fair Value

$1.33

Current Price

$1.62

$0.29 discount

UndervaluedFair: $1.33Overvalued

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

TOMZ1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
117.9%10/10

Revenue surging 117.9% year-over-year

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

TOMZ4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$13.19M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-160.0%2/10

ROE of -160.0% — below average capital efficiency

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 : TOMZ

The strongest argument for TOMZ centers on Revenue Growth. Revenue growth of 117.9% demonstrates continued momentum.

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 : TOMZ

The primary concerns for TOMZ are EPS Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 2.38 is elevated, increasing financial risk.

Key Dynamics to Monitor

CNH profiles as a value stock while TOMZ is a hypergrowth play — different risk/reward profiles.

TOMZ carries more volatility with a beta of 1.98 — expect wider price swings.

TOMZ is growing revenue faster at 117.9% — sustainability is the question.

TOMZ generates stronger free cash flow (-2M), providing more financial flexibility.

Bottom Line

CNH scores higher overall (49/100 vs 28/100). TOMZ offers better value entry with a 47.4% margin of safety. Both earn "Hold" and "Avoid" 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.

TOMI Environmental Solutions Inc

INDUSTRIALS · POLLUTION & TREATMENT CONTROLS · USA

TOMI Environmental Solutions, Inc., a bacterial decontamination and infectious disease control company, offers environmental solutions for interior surface decontamination in the United States and internationally. The company is headquartered in Frederick, Maryland.

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