CNH INDUSTRIAL NV (CNH) Stock Fundamental Analysis

NYSE:CNH • NL0010545661

12.69 USD
-0.11 (-0.86%)
At close: Feb 12, 2026
12.69 USD
0 (0%)
After Hours: 2/12/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, CNH scores 4 out of 10 in our fundamental rating. CNH was compared to 131 industry peers in the Machinery industry. CNH has a medium profitability rating, but doesn't score so well on its financial health evaluation. CNH has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year CNH was profitable.
  • CNH had a positive operating cash flow in the past year.
  • CNH had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years CNH had a positive operating cash flow.
CNH Yearly Net Income VS EBIT VS OCF VS FCFCNH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B

1.2 Ratios

  • CNH's Return On Assets of 1.38% is on the low side compared to the rest of the industry. CNH is outperformed by 62.60% of its industry peers.
  • CNH's Return On Equity of 7.72% is in line compared to the rest of the industry. CNH outperforms 53.44% of its industry peers.
  • CNH has a Return On Invested Capital of 6.11%. This is comparable to the rest of the industry: CNH outperforms 47.33% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CNH is in line with the industry average of 10.21%.
  • The 3 year average ROIC (11.39%) for CNH is well above the current ROIC(6.11%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 1.38%
ROE 7.72%
ROIC 6.11%
ROA(3y)4.39%
ROA(5y)3.13%
ROE(3y)25.03%
ROE(5y)18.1%
ROIC(3y)11.39%
ROIC(5y)8.98%
CNH Yearly ROA, ROE, ROICCNH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

1.3 Margins

  • CNH's Profit Margin of 3.35% is in line compared to the rest of the industry. CNH outperforms 45.04% of its industry peers.
  • CNH's Profit Margin has improved in the last couple of years.
  • CNH has a better Operating Margin (17.04%) than 79.39% of its industry peers.
  • In the last couple of years the Operating Margin of CNH has grown nicely.
  • CNH has a Gross Margin (32.19%) which is in line with its industry peers.
  • CNH's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 17.04%
PM (TTM) 3.35%
GM 32.19%
OM growth 3Y4.76%
OM growth 5Y12.67%
PM growth 3Y-10.76%
PM growth 5Y4.4%
GM growth 3Y5.77%
GM growth 5Y8.01%
CNH Yearly Profit, Operating, Gross MarginsCNH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CNH is creating some value.
  • CNH has less shares outstanding than it did 1 year ago.
  • CNH has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CNH has a worse debt to assets ratio.
CNH Yearly Shares OutstandingCNH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
CNH Yearly Total Debt VS Total AssetsCNH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

  • Based on the Altman-Z score of 1.34, we must say that CNH is in the distress zone and has some risk of bankruptcy.
  • CNH has a Altman-Z score of 1.34. This is in the lower half of the industry: CNH underperforms 70.23% of its industry peers.
  • The Debt to FCF ratio of CNH is 13.40, which is on the high side as it means it would take CNH, 13.40 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of CNH (13.40) is worse than 61.07% of its industry peers.
  • CNH has a Debt/Equity ratio of 3.51. This is a high value indicating a heavy dependency on external financing.
  • CNH has a Debt to Equity ratio of 3.51. This is amonst the worse of the industry: CNH underperforms 87.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.51
Debt/FCF 13.4
Altman-Z 1.34
ROIC/WACC0.72
WACC8.45%
CNH Yearly LT Debt VS Equity VS FCFCNH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

2.3 Liquidity

  • A Current Ratio of 1.69 indicates that CNH should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.69, CNH is not doing good in the industry: 66.41% of the companies in the same industry are doing better.
  • CNH has a Quick Ratio of 1.69. This is a bad value and indicates that CNH is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CNH has a Quick ratio of 0.58. This is amonst the worse of the industry: CNH underperforms 88.55% of its industry peers.
Industry RankSector Rank
Current Ratio 1.69
Quick Ratio 0.58
CNH Yearly Current Assets VS Current LiabilitesCNH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for CNH have decreased strongly by -63.50% in the last year.
  • CNH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.29% yearly.
  • The Revenue for CNH has decreased by -18.10% in the past year. This is quite bad
  • The Revenue has been decreasing by -6.71% on average over the past years.
EPS 1Y (TTM)-63.5%
EPS 3Y-6.6%
EPS 5Y5.29%
EPS Q2Q%-66.67%
Revenue 1Y (TTM)-18.1%
Revenue growth 3Y0.58%
Revenue growth 5Y-6.71%
Sales Q2Q%-5.48%

3.2 Future

  • CNH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.74% yearly.
  • The Revenue is expected to grow by 0.38% on average over the next years.
EPS Next Y-58.19%
EPS Next 2Y-28.85%
EPS Next 3Y-6.68%
EPS Next 5Y5.74%
Revenue Next Year-8.11%
Revenue Next 2Y-4.45%
Revenue Next 3Y0.04%
Revenue Next 5Y0.38%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CNH Yearly Revenue VS EstimatesCNH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B 25B
CNH Yearly EPS VS EstimatesCNH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 25.38, the valuation of CNH can be described as expensive.
  • Based on the Price/Earnings ratio, CNH is valued a bit cheaper than 62.60% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. CNH is around the same levels.
  • With a Price/Forward Earnings ratio of 22.79, CNH is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CNH is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. CNH is around the same levels.
Industry RankSector Rank
PE 25.38
Fwd PE 22.79
CNH Price Earnings VS Forward Price EarningsCNH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CNH is valued cheaply inside the industry as 81.68% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, CNH is valued cheaply inside the industry as 96.95% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.81
EV/EBITDA 11.17
CNH Per share dataCNH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • The decent profitability rating of CNH may justify a higher PE ratio.
  • A cheap valuation may be justified as CNH's earnings are expected to decrease with -6.68% in the coming years.
PEG (NY)N/A
PEG (5Y)4.8
EPS Next 2Y-28.85%
EPS Next 3Y-6.68%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • CNH has a Yearly Dividend Yield of 2.10%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 1.14, CNH pays a better dividend. On top of this CNH pays more dividend than 88.55% of the companies listed in the same industry.
  • CNH's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.1%

5.2 History

  • On average, the dividend of CNH grows each year by 17.97%, which is quite nice.
  • CNH has been paying a dividend for over 5 years, so it has already some track record.
  • CNH has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)17.97%
Div Incr Years3
Div Non Decr Years3
CNH Yearly Dividends per shareCNH Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 55.11% of the earnings are spent on dividend by CNH. This is a bit on the high side, but may be sustainable.
  • CNH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP55.11%
EPS Next 2Y-28.85%
EPS Next 3Y-6.68%
CNH Yearly Income VS Free CF VS DividendCNH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B
CNH Dividend Payout.CNH Dividend Payout, showing the Payout Ratio.CNH Dividend Payout.PayoutRetained Earnings

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CNH INDUSTRIAL NV

NYSE:CNH (2/12/2026, 8:04:00 PM)

After market: 12.69 0 (0%)

12.69

-0.11 (-0.86%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCapital Goods
GICS IndustryMachinery
Earnings (Last)11-07
Earnings (Next)02-17
Inst Owners72.15%
Inst Owner Change0%
Ins Owners0.12%
Ins Owner Change0.33%
Market Cap15.82B
Revenue(TTM)17.81B
Net Income(TTM)597.00M
Analysts75
Price Target12.84 (1.18%)
Short Float %6.9%
Short Ratio4.9
Dividend
Industry RankSector Rank
Dividend Yield 2.1%
Yearly Dividend0.48
Dividend Growth(5Y)17.97%
DP55.11%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.64%
Min EPS beat(2)-40.39%
Max EPS beat(2)19.11%
EPS beat(4)2
Avg EPS beat(4)-9.06%
Min EPS beat(4)-40.39%
Max EPS beat(4)19.11%
EPS beat(8)4
Avg EPS beat(8)-3.31%
EPS beat(12)7
Avg EPS beat(12)-1.07%
EPS beat(16)11
Avg EPS beat(16)4%
Revenue beat(2)2
Avg Revenue beat(2)11.72%
Min Revenue beat(2)11.51%
Max Revenue beat(2)11.93%
Revenue beat(4)4
Avg Revenue beat(4)9.61%
Min Revenue beat(4)6.98%
Max Revenue beat(4)11.93%
Revenue beat(8)8
Avg Revenue beat(8)6.58%
Revenue beat(12)12
Avg Revenue beat(12)6.02%
Revenue beat(16)16
Avg Revenue beat(16)6.57%
PT rev (1m)-2.94%
PT rev (3m)-11.81%
EPS NQ rev (1m)0.8%
EPS NQ rev (3m)-40.78%
EPS NY rev (1m)0.01%
EPS NY rev (3m)-22.23%
Revenue NQ rev (1m)-1.54%
Revenue NQ rev (3m)4.75%
Revenue NY rev (1m)1.24%
Revenue NY rev (3m)3.54%
Valuation
Industry RankSector Rank
PE 25.38
Fwd PE 22.79
P/S 0.89
P/FCF 7.81
P/OCF 4.81
P/B 2.05
P/tB 5.39
EV/EBITDA 11.17
EPS(TTM)0.5
EY3.94%
EPS(NY)0.56
Fwd EY4.39%
FCF(TTM)1.62
FCFY12.8%
OCF(TTM)2.64
OCFY20.77%
SpS14.29
BVpS6.2
TBVpS2.35
PEG (NY)N/A
PEG (5Y)4.8
Graham Number8.35
Profitability
Industry RankSector Rank
ROA 1.38%
ROE 7.72%
ROCE 7.89%
ROIC 6.11%
ROICexc 6.5%
ROICexgc 7.79%
OM 17.04%
PM (TTM) 3.35%
GM 32.19%
FCFM 11.36%
ROA(3y)4.39%
ROA(5y)3.13%
ROE(3y)25.03%
ROE(5y)18.1%
ROIC(3y)11.39%
ROIC(5y)8.98%
ROICexc(3y)14.51%
ROICexc(5y)12.46%
ROICexgc(3y)20.25%
ROICexgc(5y)19.15%
ROCE(3y)14.71%
ROCE(5y)11.59%
ROICexgc growth 3Y0.53%
ROICexgc growth 5Y3.13%
ROICexc growth 3Y21.35%
ROICexc growth 5Y3.15%
OM growth 3Y4.76%
OM growth 5Y12.67%
PM growth 3Y-10.76%
PM growth 5Y4.4%
GM growth 3Y5.77%
GM growth 5Y8.01%
F-Score3
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 3.51
Debt/FCF 13.4
Debt/EBITDA 7.43
Cap/Depr 204.71%
Cap/Sales 7.08%
Interest Coverage 250
Cash Conversion 89.95%
Profit Quality 339.03%
Current Ratio 1.69
Quick Ratio 0.58
Altman-Z 1.34
F-Score3
WACC8.45%
ROIC/WACC0.72
Cap/Depr(3y)198.21%
Cap/Depr(5y)185.92%
Cap/Sales(3y)5.02%
Cap/Sales(5y)7.6%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-63.5%
EPS 3Y-6.6%
EPS 5Y5.29%
EPS Q2Q%-66.67%
EPS Next Y-58.19%
EPS Next 2Y-28.85%
EPS Next 3Y-6.68%
EPS Next 5Y5.74%
Revenue 1Y (TTM)-18.1%
Revenue growth 3Y0.58%
Revenue growth 5Y-6.71%
Sales Q2Q%-5.48%
Revenue Next Year-8.11%
Revenue Next 2Y-4.45%
Revenue Next 3Y0.04%
Revenue Next 5Y0.38%
EBIT growth 1Y-29.12%
EBIT growth 3Y5.37%
EBIT growth 5Y5.11%
EBIT Next Year-30.18%
EBIT Next 3Y4.93%
EBIT Next 5Y20.58%
FCF growth 1Y702.38%
FCF growth 3Y-27.46%
FCF growth 5YN/A
OCF growth 1Y293.41%
OCF growth 3Y-21.59%
OCF growth 5Y1.51%

CNH INDUSTRIAL NV / CNH FAQ

Can you provide the ChartMill fundamental rating for CNH INDUSTRIAL NV?

ChartMill assigns a fundamental rating of 4 / 10 to CNH.


What is the valuation status of CNH INDUSTRIAL NV (CNH) stock?

ChartMill assigns a valuation rating of 4 / 10 to CNH INDUSTRIAL NV (CNH). This can be considered as Fairly Valued.


Can you provide the profitability details for CNH INDUSTRIAL NV?

CNH INDUSTRIAL NV (CNH) has a profitability rating of 6 / 10.


Can you provide the financial health for CNH stock?

The financial health rating of CNH INDUSTRIAL NV (CNH) is 2 / 10.


What is the expected EPS growth for CNH INDUSTRIAL NV (CNH) stock?

The Earnings per Share (EPS) of CNH INDUSTRIAL NV (CNH) is expected to decline by -58.19% in the next year.