WallStSmart

CNH Industrial N.V. (CNH)vsVoyager Technologies, Inc. (VOYG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CNH Industrial N.V. generates 10337% more annual revenue ($18.19B vs $174.23M). CNH leads profitability with a 1.7% profit margin vs -78.6%. 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

VOYG

Avoid

26

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 5.0Quality: 5.0
Piotroski: 3/9Altman Z: 0.24

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

VOYG1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
15.5%8/10

15.5% revenue growth

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

VOYG4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Debt/EquityHealth
1.513/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-34.1%2/10

ROE of -34.1% — 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 : VOYG

The strongest argument for VOYG centers on Revenue Growth. Revenue growth of 15.5% 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 : VOYG

The primary concerns for VOYG are EPS Growth, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.51 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

VOYG is growing revenue faster at 15.5% — sustainability is the question.

VOYG generates stronger free cash flow (-80M), providing more financial flexibility.

Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CNH scores higher overall (49/100 vs 26/100). 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.

Voyager Technologies, Inc.

INDUSTRIALS · AEROSPACE & DEFENSE · USA

Voyager Technologies, Inc. is a defense technology and space solutions company in the United States, Europe, the Middle East, and internationally. The company is headquartered in Denver, Colorado.

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