WallStSmart

CNH Industrial N.V. (CNH)vsU-Haul Holding Company (UHAL-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 200% more annual revenue ($18.09B vs $6.04B). CNH leads profitability with a 2.1% profit margin vs 1.4%. CNH trades at a lower P/E of 33.6x. 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

UHAL-B

Hold

36

out of 100

Grade: F

Growth: 3.3Profit: 3.5Value: 4.0Quality: 4.5
Piotroski: 3/9Altman Z: 1.21

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

UHAL-B1 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

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

UHAL-B4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
3.1%4/10

3.1% revenue growth

Return on EquityProfitability
0.7%3/10

ROE of 0.7% — below average capital efficiency

Profit MarginProfitability
1.4%3/10

1.4% margin — thin

Debt/EquityHealth
1.073/10

Elevated debt levels

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 : UHAL-B

The strongest argument for UHAL-B 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 : UHAL-B

The primary concerns for UHAL-B are Revenue Growth, Return on Equity, Profit Margin. A P/E of 220.0x leaves little room for execution misses. Thin 1.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

CNH carries more volatility with a beta of 1.23 — expect wider price swings.

UHAL-B is growing revenue faster at 3.1% — sustainability is the question.

CNH generates stronger free cash flow (-58M), 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 36/100). 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.

U-Haul Holding Company

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

U-Haul Holding Company, a subsidiary of AMERCO, is a leading provider of innovative storage and transportation solutions across North America, offering a comprehensive range of rental trucks, trailers, and self-storage facilities. The company's strong brand presence and extensive network enable it to serve a diverse customer base, from individual households to large commercial entities. U-Haul's commitment to affordability and customer satisfaction, along with its strategic investments in technology and operational efficiency, underscore its potential for continued growth in the burgeoning do-it-yourself moving industry. As a dominant player in the market, U-Haul is poised to capitalize on the increasing consumer demand for flexible and accessible moving and storage options.

Visit Website →

Want to dig deeper into these stocks?