CNH INDUSTRIAL NV (CNH) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CNH • NL0010545661

11.93 USD
-0.03 (-0.25%)
At close: Feb 5, 2026
11.89 USD
-0.04 (-0.34%)
Pre-Market: 2/6/2026, 4:46:01 AM
Fundamental Rating

4

Overall CNH gets a fundamental rating of 4 out of 10. We evaluated CNH 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 it does not seem to be growing.


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.
  • CNH had positive earnings in 4 of the past 5 years.
  • CNH had a positive operating cash flow in each 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 62.88% of its industry peers.
  • CNH has a Return On Equity (7.72%) which is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 6.11%, CNH is in line with its industry, outperforming 48.48% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for CNH is in line with the industry average of 10.37%.
  • 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

  • CNH has a Profit Margin (3.35%) which is in line with its industry peers.
  • 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.
  • With a Gross Margin value of 32.19%, CNH perfoms like the industry average, outperforming 53.79% of the companies in the same industry.
  • In the last couple of years the Gross Margin of CNH has grown nicely.
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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2

2. Health

2.1 Basic Checks

  • CNH has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, CNH has less shares outstanding
  • CNH has less shares outstanding than it did 5 years ago.
  • CNH has a worse debt/assets ratio than last year.
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

  • CNH has an Altman-Z score of 1.32. This is a bad value and indicates that CNH is not financially healthy and even has some risk of bankruptcy.
  • CNH's Altman-Z score of 1.32 is on the low side compared to the rest of the industry. CNH is outperformed by 71.97% 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.
  • CNH has a Debt to FCF ratio of 13.40. This is in the lower half of the industry: CNH underperforms 62.12% 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 worse Debt to Equity ratio (3.51) than 87.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.51
Debt/FCF 13.4
Altman-Z 1.32
ROIC/WACC0.72
WACC8.47%
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

  • 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.
  • With a Current ratio value of 1.69, CNH is not doing good in the industry: 65.15% 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 worse Quick ratio (0.58) than 87.12% 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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3

3. Growth

3.1 Past

  • The earnings per share for CNH have decreased strongly by -63.50% in the last year.
  • Measured over the past 5 years, CNH shows a small growth in Earnings Per Share. The EPS has been growing by 5.29% on average per year.
  • 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.
  • Based on estimates for the next years, CNH will show a small growth in Revenue. The Revenue will grow by 0.38% on average per year.
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 23.86, CNH is valued on the expensive side.
  • CNH's Price/Earnings ratio is a bit cheaper when compared to the industry. CNH is cheaper than 62.12% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CNH to the average of the S&P500 Index (27.67), we can say CNH is valued inline with the index average.
  • Based on the Price/Forward Earnings ratio of 21.42, the valuation of CNH can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CNH is on the same level as its industry peers.
  • CNH's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.20.
Industry RankSector Rank
PE 23.86
Fwd PE 21.42
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 83.33% of the companies listed in the same industry.
  • CNH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CNH is cheaper than 96.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.35
EV/EBITDA 10.87
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)4.51
EPS Next 2Y-28.85%
EPS Next 3Y-6.68%

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5

5. Dividend

5.1 Amount

  • CNH has a Yearly Dividend Yield of 2.30%.
  • Compared to an average industry Dividend Yield of 1.00, CNH pays a better dividend. On top of this CNH pays more dividend than 90.15% of the companies listed in the same industry.
  • CNH's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.3%

5.2 History

  • The dividend of CNH is nicely growing with an annual growth rate of 17.97%!
  • 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

  • CNH pays out 55.11% of its income as dividend. 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 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 (2/5/2026, 8:17:32 PM)

Premarket: 11.89 -0.04 (-0.34%)

11.93

-0.03 (-0.25%)

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 Cap14.87B
Revenue(TTM)17.81B
Net Income(TTM)597.00M
Analysts75
Price Target12.73 (6.71%)
Short Float %6.9%
Short Ratio4.9
Dividend
Industry RankSector Rank
Dividend Yield 2.3%
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)-3.8%
PT rev (3m)-12.59%
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)5.05%
Revenue NY rev (1m)1.24%
Revenue NY rev (3m)3.54%
Valuation
Industry RankSector Rank
PE 23.86
Fwd PE 21.42
P/S 0.83
P/FCF 7.35
P/OCF 4.53
P/B 1.92
P/tB 5.07
EV/EBITDA 10.87
EPS(TTM)0.5
EY4.19%
EPS(NY)0.56
Fwd EY4.67%
FCF(TTM)1.62
FCFY13.61%
OCF(TTM)2.64
OCFY22.09%
SpS14.29
BVpS6.2
TBVpS2.35
PEG (NY)N/A
PEG (5Y)4.51
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 1.32
F-Score3
WACC8.47%
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 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.