CNH INDUSTRIAL NV (CNH) Stock Fundamental Analysis

NYSE:CNH • NL0010545661

13.06 USD
+0.08 (+0.62%)
At close: Feb 20, 2026
9.78 USD
-3.28 (-25.11%)
After Hours: 2/20/2026, 8:25:20 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. 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.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • CNH had positive earnings in the past year.
  • CNH had a positive operating cash flow in the past year.
  • Of the past 5 years CNH 4 years were profitable.
  • CNH had a positive operating cash flow in 4 of the past 5 years.
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 has a Return On Assets of 1.38%. This is in the lower half of the industry: CNH underperforms 61.83% of its industry peers.
  • The Return On Equity of CNH (7.72%) is comparable to the rest of the industry.
  • CNH has a Return On Invested Capital (6.11%) which is in line with its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CNH is in line with the industry average of 10.17%.
  • 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 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

  • The Profit Margin of CNH (3.35%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of CNH has grown nicely.
  • With an excellent Operating Margin value of 17.04%, CNH belongs to the best of the industry, outperforming 80.92% of the companies in the same industry.
  • CNH's Operating Margin has improved in the last couple of years.
  • CNH has a Gross Margin of 32.19%. This is comparable to the rest of the industry: CNH outperforms 54.96% of 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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1

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 1.35, we must say that CNH is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 1.35, CNH is not doing good in the industry: 67.18% of the companies in the same industry are doing better.
  • 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.
  • CNH has a worse Debt to FCF ratio (13.40) than 61.83% of its industry peers.
  • A Debt/Equity ratio of 3.51 is on the high side and indicates that CNH has dependencies on debt financing.
  • The Debt to Equity ratio of CNH (3.51) is worse than 87.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.51
Debt/FCF 13.4
Altman-Z 1.35
ROIC/WACC0.74
WACC8.24%
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.
  • Looking at the Current ratio, with a value of 1.69, CNH is doing worse than 65.65% 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.
  • The Quick ratio of CNH (0.58) is worse than 87.79% 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 -50.91% in the last year.
  • Measured over the past years, CNH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.04% on average per year.
EPS 1Y (TTM)-50.91%
EPS 3Y-28.54%
EPS 5Y14.04%
EPS Q2Q%26.67%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.76%

3.2 Future

  • Based on estimates for the next years, CNH will show a very strong growth in Earnings Per Share. The EPS will grow by 28.11% on average per year.
  • Based on estimates for the next years, CNH will show a small growth in Revenue. The Revenue will grow by 2.49% on average per year.
EPS Next Y3.13%
EPS Next 2Y28.66%
EPS Next 3Y36.17%
EPS Next 5Y28.11%
Revenue Next Year-0.99%
Revenue Next 2Y4.21%
Revenue Next 3Y2.38%
Revenue Next 5Y2.49%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 24.19, CNH is valued on the expensive side.
  • Based on the Price/Earnings ratio, CNH is valued a bit cheaper than the industry average as 64.89% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, CNH is valued at the same level.
  • Based on the Price/Forward Earnings ratio of 23.45, the valuation of CNH can be described as rather expensive.
  • CNH's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of CNH to the average of the S&P500 Index (28.06), we can say CNH is valued inline with the index average.
Industry RankSector Rank
PE 24.19
Fwd PE 23.45
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CNH indicates a rather cheap valuation: CNH is cheaper than 80.92% of the companies listed in the same industry.
  • 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 8.04
EV/EBITDA 11.23
CNH Per share dataCNH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CNH does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of CNH may justify a higher PE ratio.
  • CNH's earnings are expected to grow with 36.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)7.72
PEG (5Y)1.72
EPS Next 2Y28.66%
EPS Next 3Y36.17%

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

5

5. Dividend

5.1 Amount

  • CNH has a Yearly Dividend Yield of 1.93%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 1.17, CNH pays a better dividend. On top of this CNH pays more dividend than 88.55% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.85, CNH has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.93%

5.2 History

  • The dividend of CNH is nicely growing with an annual growth rate of 114.35%!
  • 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)114.35%
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

  • CNH pays out 55.11% of its income as dividend. 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 2Y28.66%
EPS Next 3Y36.17%
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 (2/20/2026, 8:25:20 PM)

After market: 9.78 -3.28 (-25.11%)

13.06

+0.08 (+0.62%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCapital Goods
GICS IndustryMachinery
Earnings (Last)02-17
Earnings (Next)04-29
Inst Owners72.15%
Inst Owner Change0%
Ins Owners0.12%
Ins Owner Change0.33%
Market Cap16.28B
Revenue(TTM)N/A
Net Income(TTM)597.00M
Analysts76
Price Target12.84 (-1.68%)
Short Float %5.58%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 1.93%
Yearly Dividend0.27
Dividend Growth(5Y)114.35%
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)-1.41%
EPS NQ rev (3m)-40.78%
EPS NY rev (1m)0.01%
EPS NY rev (3m)-22.23%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)4.75%
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)3.54%
Valuation
Industry RankSector Rank
PE 24.19
Fwd PE 23.45
P/S 0.91
P/FCF 8.04
P/OCF 4.96
P/B 2.11
P/tB 5.55
EV/EBITDA 11.23
EPS(TTM)0.54
EY4.13%
EPS(NY)0.56
Fwd EY4.26%
FCF(TTM)1.62
FCFY12.43%
OCF(TTM)2.64
OCFY20.18%
SpS14.29
BVpS6.2
TBVpS2.35
PEG (NY)7.72
PEG (5Y)1.72
Graham Number8.68
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 1.35
F-Score3
WACC8.24%
ROIC/WACC0.74
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)-50.91%
EPS 3Y-28.54%
EPS 5Y14.04%
EPS Q2Q%26.67%
EPS Next Y3.13%
EPS Next 2Y28.66%
EPS Next 3Y36.17%
EPS Next 5Y28.11%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.76%
Revenue Next Year-0.99%
Revenue Next 2Y4.21%
Revenue Next 3Y2.38%
Revenue Next 5Y2.49%
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 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 1 / 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 grow by 3.13% in the next year.