CNH INDUSTRIAL NV (CNH) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CNH • NL0010545661
10.76 USD
-0.09 (-0.83%)
At close: Jan 30, 2026
10.711 USD
-0.05 (-0.46%)
After Hours: 1/30/2026, 8:04:00 PM
CNH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 132 industry peers in the Machinery industry. While CNH is still in line with the averages on profitability rating, there are concerns on its financial health. CNH has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year CNH was profitable.
- CNH had a positive operating cash flow in the past year.
- Of the past 5 years CNH 4 years were profitable.
- Each year in the past 5 years CNH had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.38%, CNH is doing worse than 62.88% of the companies in the same industry.
- With a Return On Equity value of 7.72%, CNH perfoms like the industry average, outperforming 53.79% of the companies in the same industry.
- CNH has a Return On Invested Capital (6.11%) which is in line with its industry peers.
- CNH had an Average Return On Invested Capital over the past 3 years of 11.39%. This is in line with the industry average of 10.20%.
- The last Return On Invested Capital (6.11%) for CNH is well below the 3 year average (11.39%), which needs to be investigated, but indicates that CNH had better years and this may not be a problem.
| Industry Rank | Sector 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%
1.3 Margins
- With a Profit Margin value of 3.35%, CNH perfoms like the industry average, outperforming 44.70% of the companies in the same industry.
- CNH's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 17.04%, CNH is doing good in the industry, outperforming 79.55% of the companies in the same industry.
- CNH's Operating Margin has improved in the last couple of years.
- CNH has a Gross Margin (32.19%) which is in line with its industry peers.
- In the last couple of years the Gross Margin of CNH has grown nicely.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CNH is still creating some value.
- CNH has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CNH has less shares outstanding
- The debt/assets ratio for CNH is higher compared to a year ago.
2.2 Solvency
- CNH has an Altman-Z score of 1.30. This is a bad value and indicates that CNH is not financially healthy and even has some risk of bankruptcy.
- CNH has a Altman-Z score of 1.30. This is in the lower half of the industry: CNH underperforms 76.52% 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.
- Looking at the Debt to FCF ratio, with a value of 13.40, CNH is doing worse than 61.36% of the companies in the same industry.
- A Debt/Equity ratio of 3.51 is on the high side and indicates that CNH has dependencies on debt financing.
- With a Debt to Equity ratio value of 3.51, CNH is not doing good in the industry: 87.12% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.51 | ||
| Debt/FCF | 13.4 | ||
| Altman-Z | 1.3 |
ROIC/WACC0.74
WACC8.27%
2.3 Liquidity
- CNH has a Current Ratio of 1.69. This is a normal value and indicates that CNH is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 1.69, CNH is doing worse than 65.15% of the companies in the same industry.
- 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.
- With a Quick ratio value of 0.58, CNH is not doing good in the industry: 87.12% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.69 | ||
| Quick Ratio | 0.58 |
3. Growth
3.1 Past
- CNH shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -63.50%.
- CNH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.29% yearly.
- CNH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.10%.
- Measured over the past years, CNH shows a decrease in Revenue. The Revenue has been decreasing by -6.71% on average per year.
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
- Based on estimates for the next years, CNH will show a small growth in Earnings Per Share. The EPS will grow by 5.74% on average per year.
- CNH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.38% yearly.
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
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 21.52 indicates a rather expensive valuation of CNH.
- Based on the Price/Earnings ratio, CNH is valued a bit cheaper than 69.70% of the companies in the same industry.
- When comparing the Price/Earnings ratio of CNH to the average of the S&P500 Index (28.30), we can say CNH is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 19.32, CNH is valued on the expensive side.
- CNH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CNH is cheaper than 63.64% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. CNH is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.52 | ||
| Fwd PE | 19.32 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CNH indicates a rather cheap valuation: CNH is cheaper than 81.82% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, CNH is valued cheaply inside the industry as 97.73% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.63 | ||
| EV/EBITDA | 10.5 |
4.3 Compensation for Growth
- CNH has a very decent profitability rating, which 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)4.07
EPS Next 2Y-28.85%
EPS Next 3Y-6.68%
5. Dividend
5.1 Amount
- CNH has a Yearly Dividend Yield of 2.30%. Purely for dividend investing, there may be better candidates out there.
- CNH's Dividend Yield is rather good when compared to the industry average which is at 1.02. CNH pays more dividend than 88.64% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, CNH pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
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
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.
- The dividend of CNH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP55.11%
EPS Next 2Y-28.85%
EPS Next 3Y-6.68%
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 5 / 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.