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CNH

NEUTRAL
$10.25 Live
CNH Industrial N.V. · NYSE
Target $13.88 (+35.4%)
$9.0 52W Range $14.27

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026
Market cap
$12.72B
P/E
25.0
ROE
6.5%
Profit margin
2.8%
Debt/Equity
3.46
Dividend yield
0.98%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
CNH presents a conflicting profile: a strong Piotroski F-Score of 7/9 indicates solid operational health, yet the stock is plagued by a severe earnings collapse (-50.10% YoY) and a completely bearish technical trend (0/100). While the PEG ratio of 0.60 suggests significant undervaluation relative to growth potential, the current price of $10.25 trades at a premium to the Graham Number ($7.58) and the growth-based intrinsic value ($2.87). The disconnect between bullish analyst targets ($13.88) and the consistent multi-year price decline suggests a value trap risk despite strong short-term liquidity.

Key Strengths

Strong Piotroski F-Score (7/9) indicating operational efficiency
Attractive PEG ratio (0.60) suggesting undervaluation relative to growth
Healthy short-term liquidity with a Current Ratio of 1.95
Positive revenue growth (5.80% YoY) despite earnings pressure
Strong analyst consensus with a 'Buy' rating and target price of $13.88

Key Risks

Severe earnings contraction (-50.10% YoY)
High leverage with a Debt/Equity ratio of 3.46
Strongly bearish technical trend (0/100)
Consistent negative price performance over 1Y, 3Y, and 5Y horizons
Trading significantly above the growth-based intrinsic value of $2.87
AI Fair Value Estimate
Based on comprehensive analysis
$8.25
-19.5% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
43
Moderate
Value
50
Future
30
Past
20
Health
75
Dividend
40
AI Verdict
Speculative Value
Key drivers: Piotroski Health, Earnings Collapse, Technical Bearishness, High Debt
Confidence
85%
Value
50/100

Ref P/E, PEG, Graham Number

Positives
  • Low PEG ratio
  • Forward P/E (13.89) is lower than trailing P/E
Watchpoints
  • Price exceeds Graham Number ($7.58)
  • Price far exceeds Intrinsic Value ($2.87)
Future
30/100

Ref Growth rates

Positives
  • Modest revenue growth
Watchpoints
  • Earnings growth is -50.10%
  • Negative price momentum
Past
20/100

Ref Historical trends

Positives
  • Consistent earnings beats in historical quarters
Watchpoints
  • 5Y Change: -15.5%
  • 3Y Change: -20.9%
Health
75/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Piotroski F-Score 7/9
  • Current Ratio 1.95
Watchpoints
  • Debt/Equity 3.46 is high
Dividend
40/100

Ref Yield, Payout

Positives
  • Consistent payout
Watchpoints
  • Low yield (0.98%)
  • Payout ratio (60.98%) limits growth

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$10.25
Analyst Target
$13.88
Upside/Downside
+35.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for CNH and closest competitors.

Updated 2026-04-24
CNH
CNH Industrial N.V.
Primary
5Y
-15.5%
3Y
-20.9%
1Y
-11.5%
6M
-4.9%
1M
-8.2%
1W
-3.2%
ACM
AECOM
Peer
5Y
+88.1%
3Y
+14.2%
1Y
-9.5%
6M
-15.4%
1M
-0.1%
1W
-1.1%
BAH
Booz Allen Hamilton Holding Corporation
Peer
5Y
+14.6%
3Y
+12.0%
1Y
-23.3%
6M
-8.5%
1M
+20.1%
1W
+5.0%
KTO
Kratos Defense & Security Solutions, Inc.
Peer
5Y
+149.5%
3Y
+445.7%
1Y
+121.8%
6M
-25.7%
1M
-20.9%
1W
+4.5%
BLD
Builders FirstSource, Inc.
Peer
5Y
+191.8%
3Y
+69.7%
1Y
-27.2%
6M
-10.3%
1M
+17.6%
1W
-3.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
25.0
Forward P/E
13.89
PEG Ratio
0.6
P/B Ratio
1.65
P/S Ratio
0.7
EV/Revenue
2.09
EV/EBITDA
32.76
Market Cap
$12.72B

Profitability

Profit margins and return metrics

Profit Margin 2.82%
Operating Margin 1.88%
Gross Margin 18.75%
ROE 6.48%
ROA 1.06%

Growth

Revenue and earnings growth rates

Revenue Growth +5.8%
Earnings Growth -50.1%
Q/Q Revenue Growth +5.76%
Q/Q Earnings Growth -50.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
3.46
High debt
Current Ratio
1.95
Good
Quick Ratio
1.62
Excellent
Cash/Share
$1.65

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$5.2B
Gross Margin
29.6%
Op. Margin
13.9%
Net Margin
1.7%
Total Assets
$42.7B
Liabilities
$34.9B
Equity
$7.7B
Debt/Equity
4.52x
Operating CF
$0.9B
CapEx
$-0.4B
Free Cash Flow
$0.5B
FCF Yield
56%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30
$N/A
2026-02-17
$0.19
+74.7% surprise
2025-11-07
$0.08
-41.5% surprise
2025-08-01
$0.17
+20.6% surprise

Industrials Sector Comparison

Comparing CNH against 396 companies in the Industrials sector (30 bullish, 136 neutral, 230 bearish)
P/E Ratio
25.0
This Stock
vs
81.87
Sector Avg
-69.5% (Discount)
Return on Equity (ROE)
6.48%
This Stock
vs
-24.31%
Sector Avg
-126.6% (Below Avg)
Profit Margin
2.82%
This Stock
vs
6.58%
Sector Avg
-57.2% (Weaker)
Debt to Equity
3.46
This Stock
vs
2.86
Sector Avg
+21.0% (Higher)
Revenue Growth
5.8%
This Stock
vs
82.27%
Sector Avg
-93.0% (Slower)
Current Ratio
1.95
This Stock
vs
3.21
Sector Avg
-39.2% (Weaker)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

MARX GERRIT A
Chief Executive Officer
Stock Award
2026-02-27
494,012 shares
SCHROEDER JAY D
Chief Technology Officer
Stock Award
2026-02-27
3,346 shares
HEYWOOD SUZANNE E
Director
Buy
2025-11-18
52,522 shares · $500,009
BUFFETT HOWARD W
Director
Buy
2025-11-12
10,100 shares · $100,316
SORENSEN VAGN O
Director
Buy
2025-11-11
10,385 shares · $99,904
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-03-30
8-K
8-K
2026-03-26

CNH Industrial N.V. filed an 8-K likely announcing its quarterly or annual financial results.

DEF 14A
DEF 14A
2026-03-25

CNH filed a definitive proxy statement on March 25, 2026, providing shareholders with necessary information and voting materials for its upcoming annual meeting.

10-K
10-K
2026-02-26

CNH Industrial N.V. has filed its 10-K annual report, which includes comprehensive consolidated financial statements, operational results, and management's discussion of financial condition. The filing outlines critical risk factors, market risks, and cybersecurity disclosures essential for evaluating the company's operational stability and financial outlook.

8-K
8-K
2026-02-17

CNH Industrial N.V. filed an 8-K likely announcing its fourth-quarter and full-year financial results.

10-Q
10-Q
2025-11-07

As of September 30, 2025, CNH reported available liquidity of $8,992 million, although cash and restricted cash decreased by $910 million to $2,956 million due to lower net income, dividend payments, and capital investments. Total assets rose to $43,258 million, while total debt increased slightly to $27,128 million. The company remains subject to risks associated with its capital-intensive operations and seasonal variations in financing requirements for dealer receivables and inventories.

8-K
8-K
2025-11-07

CNH Industrial N.V. likely reported its third-quarter 2025 financial results.

10-Q
10-Q
2025-08-04

As of June 30, 2025, CNH reported available liquidity of $9.27 billion, although cash and restricted cash decreased by $719 million to $3.15 billion due to dividend payments, fixed asset investments, and lower portfolio receivables. The company maintains a strong funding position with $5.93 billion in undrawn medium-term unsecured committed facilities. Key risks include the capital-intensive nature of its operations and seasonal variations in financing requirements for dealer receivables and inventories.

8-K
8-K
2025-08-01

CNH Industrial N.V. likely filed this 8-K to announce its second-quarter financial results.

8-K
8-K
2025-05-12

CNH Industrial N.V. reported its financial results for the first quarter of 2025.

8-K
8-K
2025-05-08
10-Q
10-Q
2025-05-06
8-K
8-K
2025-05-01
8-K
8-K
2025-04-10
8-K
8-K
2025-03-28
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
18 analysts
Citigroup
2026-04-13
Maintains
Buy Buy
Barclays
2026-04-01
Maintains
Overweight Overweight
Citigroup
2026-03-10
Maintains
Buy Buy
Evercore ISI Group
2026-02-23
Maintains
In-Line In-Line
Citigroup
2026-02-19
Maintains
Buy Buy
DA Davidson
2026-02-19
Maintains
Neutral Neutral
Oppenheimer
2026-02-18
Maintains
Outperform Outperform
Baird
2026-02-18
Maintains
Neutral Neutral
Citigroup
2026-01-13
Maintains
Buy Buy
UBS
2026-01-05
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning CNH from our newsroom.

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