WallStSmart

CNH Industrial N.V. (CNH)vsToro Co (TTC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 298% more annual revenue ($18.09B vs $4.55B). TTC leads profitability with a 7.3% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.57. TTC earns a higher WallStSmart Score of 58/100 (C).

CNH

Buy

57

out of 100

Grade: C

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

TTC

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 6.5Value: 6.0Quality: 6.5
Piotroski: 4/9Altman Z: 2.99
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
TTCUndervalued (+13.3%)

Margin of Safety

+13.3%

Fair Value

$115.05

Current Price

$93.75

$21.30 discount

UndervaluedFair: $115.05Overvalued

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

TTC2 strengths · Avg: 8.5/10
Return on EquityProfitability
23.0%9/10

Every $100 of equity generates 23 in profit

EPS GrowthGrowth
32.7%8/10

Earnings expanding 32.7% YoY

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%

TTC3 concerns · Avg: 3.7/10
P/E RatioValuation
28.1x4/10

Moderate valuation

Revenue GrowthGrowth
4.2%4/10

4.2% revenue growth

Profit MarginProfitability
7.3%3/10

7.3% margin — thin

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 : TTC

The strongest argument for TTC centers on Return on Equity, EPS Growth. PEG of 1.46 suggests the stock is reasonably priced for its growth.

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 : TTC

The primary concerns for TTC are P/E Ratio, Revenue Growth, Profit Margin.

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

TTC scores higher overall (58/100 vs 57/100). CNH offers better value entry with a 45.2% margin of safety. Both earn "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.

Toro Co

INDUSTRIALS · TOOLS & ACCESSORIES · USA

The Toro Company designs, manufactures and markets professional and residential equipment worldwide. The company is headquartered in Bloomington, Minnesota.

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