CNH Industrial N.V. (CNH)vsUnited Airlines Holdings Inc (UAL)
CNH
CNH Industrial N.V.
$10.21
-2.39%
INDUSTRIALS · Cap: $12.54B
UAL
United Airlines Holdings Inc
$112.62
-3.38%
INDUSTRIALS · Cap: $37.26B
Smart Verdict
WallStSmart Research — data-driven comparison
United Airlines Holdings Inc generates 234% more annual revenue ($60.47B vs $18.09B). UAL leads profitability with a 6.1% profit margin vs 2.1%. CNH appears more attractively valued with a PEG of 0.58. UAL earns a higher WallStSmart Score of 67/100 (B-).
CNH
Buy51
out of 100
Grade: C-
UAL
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CNH.
Margin of Safety
-76.6%
Fair Value
$65.00
Current Price
$112.62
$47.62 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 84.5% YoY
Every $100 of equity generates 23 in profit
Reasonable price relative to book value
Generating 3.1B in free cash flow
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
ROE of 5.0% — below average capital efficiency
2.1% margin — thin
6.1% margin — thin
Operating margin of 4.3%
Elevated debt levels
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : CNH
The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.58 suggests the stock is reasonably priced for its growth.
Bull Case : UAL
The strongest argument for UAL centers on P/E Ratio, EPS Growth, Return on Equity. Revenue growth of 10.6% demonstrates continued momentum.
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 : UAL
The primary concerns for UAL are Profit Margin, Operating Margin, Debt/Equity. Debt-to-equity of 1.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
CNH carries more volatility with a beta of 1.25 — expect wider price swings.
UAL is growing revenue faster at 10.6% — sustainability is the question.
UAL generates stronger free cash flow (3.1B), providing more financial flexibility.
Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UAL scores higher overall (67/100 vs 51/100) and 10.6% 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.
United Airlines Holdings Inc
INDUSTRIALS · AIRLINES · USA
United Airlines Holdings, Inc. (formerly known as United Continental Holdings, Inc., UAL Corporation, Allegis Corporation and founded originally as UAL, Inc.) is a publicly traded airline holding company headquartered in the Willis Tower in Chicago. UAH owns and operates United Airlines, Inc.
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