WallStSmart

CNH Industrial N.V. (CNH)vsUbiquiti Networks Inc (UI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 509% more annual revenue ($18.09B vs $2.97B). UI leads profitability with a 29.9% profit margin vs 2.8%. CNH appears more attractively valued with a PEG of 0.59. UI earns a higher WallStSmart Score of 73/100 (B).

CNH

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 4.0Value: 7.3Quality: 6.3
Piotroski: 3/9Altman Z: 1.54

UI

Strong Buy

73

out of 100

Grade: B

Growth: 9.3Profit: 10.0Value: 5.3Quality: 7.3
Piotroski: 5/9Altman Z: 5.14
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNHSignificantly Overvalued (-358.8%)

Margin of Safety

-358.8%

Fair Value

$2.79

Current Price

$11.16

$8.37 premium

UndervaluedFair: $2.79Overvalued
UIFair Value (-4.0%)

Margin of Safety

-4.0%

Fair Value

$685.62

Current Price

$839.05

$153.43 premium

UndervaluedFair: $685.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.598/10

Growing faster than its price suggests

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

UI6 strengths · Avg: 9.8/10
Return on EquityProfitability
136.1%10/10

Every $100 of equity generates 136 in profit

Operating MarginProfitability
35.9%10/10

Strong operational efficiency at 35.9%

Revenue GrowthGrowth
35.8%10/10

Revenue surging 35.8% year-over-year

EPS GrowthGrowth
70.8%10/10

Earnings expanding 70.8% YoY

Altman Z-ScoreHealth
5.1410/10

Safe zone — low bankruptcy risk

Market CapQuality
$50.50B9/10

Large-cap with strong market position

Areas to Watch

CNH4 concerns · Avg: 3.5/10
P/E RatioValuation
26.2x4/10

Moderate valuation

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

UI2 concerns · Avg: 2.0/10
P/E RatioValuation
57.0x2/10

Premium valuation, high expectations priced in

Price/BookValuation
50.0x2/10

Trading at 50.0x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : CNH

The strongest argument for CNH centers on PEG Ratio, Price/Book. PEG of 0.59 suggests the stock is reasonably priced for its growth.

Bull Case : UI

The strongest argument for UI centers on Return on Equity, Operating Margin, Revenue Growth. Profitability is solid with margins at 29.9% and operating margin at 35.9%. Revenue growth of 35.8% demonstrates continued momentum.

Bear Case : CNH

The primary concerns for CNH are P/E Ratio, Altman Z-Score, Return on Equity. Thin 2.8% margins leave little buffer for downturns.

Bear Case : UI

The primary concerns for UI are P/E Ratio, Price/Book. A P/E of 57.0x leaves little room for execution misses.

Key Dynamics to Monitor

CNH profiles as a value stock while UI is a growth play — different risk/reward profiles.

UI carries more volatility with a beta of 1.37 — expect wider price swings.

UI is growing revenue faster at 35.8% — sustainability is the question.

CNH generates stronger free cash flow (533M), providing more financial flexibility.

Bottom Line

UI scores higher overall (73/100 vs 57/100), backed by strong 29.9% margins and 35.8% 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.

Ubiquiti Networks Inc

TECHNOLOGY · COMMUNICATION EQUIPMENT · USA

Ubiquiti Inc. develops network technology for service providers, businesses and consumers. The company is headquartered in New York, New York.

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