CNH INDUSTRIAL NV (CNH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CNH - NL0010545661 - Common Stock
10.765 USD
+0.13 (+1.27%)
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 is valued correctly, but it does not seem to be growing.
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.
- Each year in the past 5 years CNH had a positive operating cash flow.
1.2 Ratios
- CNH has a worse Return On Assets (1.38%) than 62.88% of its industry peers.
- CNH's Return On Equity of 7.72% is in line compared to the rest of the industry. CNH outperforms 53.79% of its industry peers.
- The Return On Invested Capital of CNH (6.11%) is comparable to the rest of the industry.
- 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 10.24%.
- 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
- CNH has a Profit Margin (3.35%) which is comparable to the rest of the industry.
- CNH's Profit Margin has improved in the last couple of years.
- CNH's Operating Margin of 17.04% is fine compared to the rest of the industry. CNH outperforms 79.55% of its industry peers.
- CNH's Operating Margin has improved in the last couple of years.
- CNH has a Gross Margin (32.19%) which is comparable to the rest of the industry.
- CNH's Gross Margin has improved in the last couple of years.
| 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
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CNH is creating some value.
- The number of shares outstanding for CNH has been reduced compared to 1 year ago.
- CNH has less shares outstanding than it did 5 years ago.
- CNH has a worse debt/assets ratio than last year.
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.
- Looking at the Altman-Z score, with a value of 1.30, CNH is doing worse than 78.03% of the companies in the same industry.
- CNH has a debt to FCF ratio of 13.40. This is a negative value and a sign of low solvency as CNH would need 13.40 years to pay back of 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.
- Looking at the Debt to Equity ratio, with a value of 3.51, CNH is doing worse than 87.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.51 | ||
| Debt/FCF | 13.4 | ||
| Altman-Z | 1.3 |
ROIC/WACC0.73
WACC8.34%
2.3 Liquidity
- A Current Ratio of 1.69 indicates that CNH should not have too much problems paying its short term obligations.
- The Current ratio of CNH (1.69) is worse than 65.15% of its industry peers.
- A Quick Ratio of 0.58 indicates that CNH may have some problems paying its short term obligations.
- CNH has a Quick ratio of 0.58. This is amonst the worse of the industry: CNH underperforms 87.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.69 | ||
| Quick Ratio | 0.58 |
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.
- The Revenue for CNH has decreased by -18.10% in the past year. This is quite bad
- CNH shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.71% yearly.
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
- The Earnings Per Share is expected to grow by 5.74% on average over the next years.
- The Revenue is expected to grow by 0.38% on average over the next years.
EPS Next Y-58.19%
EPS Next 2Y-27.74%
EPS Next 3Y-6%
EPS Next 5Y5.74%
Revenue Next Year-8.42%
Revenue Next 2Y-4.47%
Revenue Next 3Y0.01%
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
- CNH is valuated rather expensively with a Price/Earnings ratio of 21.53.
- 70.45% of the companies in the same industry are more expensive than CNH, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 26.94. CNH is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 18.74 indicates a rather expensive valuation of CNH.
- CNH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CNH is cheaper than 67.42% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of CNH to the average of the S&P500 Index (23.94), we can say CNH is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.53 | ||
| Fwd PE | 18.74 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CNH indicates a somewhat cheap valuation: CNH is cheaper than 79.55% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, CNH is valued cheaper than 97.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.63 | ||
| EV/EBITDA | 10.43 |
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 -6.00% in the coming years.
PEG (NY)N/A
PEG (5Y)4.07
EPS Next 2Y-27.74%
EPS Next 3Y-6%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.31%, CNH has a reasonable but not impressive dividend return.
- CNH's Dividend Yield is rather good when compared to the industry average which is at 0.98. CNH pays more dividend than 88.64% of the companies in the same industry.
- CNH's Dividend Yield is a higher than the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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.
- CNH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP55.11%
EPS Next 2Y-27.74%
EPS Next 3Y-6%
NYSE:CNH (1/21/2026, 9:35:05 AM)
10.765
+0.13 (+1.27%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCapital Goods
GICS IndustryMachinery
Earnings (Last)11-07 2025-11-07/bmo
Earnings (Next)02-02 2026-02-02/amc
Inst Owners72.15%
Inst Owner Change0%
Ins Owners0.12%
Ins Owner Change0.33%
Market Cap13.42B
Revenue(TTM)17.81B
Net Income(TTM)597.00M
Analysts75
Price Target12.73 (18.25%)
Short Float %5.9%
Short Ratio3.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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)-6.27%
PT rev (3m)-14.99%
EPS NQ rev (1m)2.01%
EPS NQ rev (3m)-41.86%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)-23.49%
Revenue NQ rev (1m)-1.42%
Revenue NQ rev (3m)3.78%
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)3.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.53 | ||
| Fwd PE | 18.74 | ||
| P/S | 0.75 | ||
| P/FCF | 6.63 | ||
| P/OCF | 4.08 | ||
| P/B | 1.74 | ||
| P/tB | 4.58 | ||
| EV/EBITDA | 10.43 |
EPS(TTM)0.5
EY4.64%
EPS(NY)0.57
Fwd EY5.34%
FCF(TTM)1.62
FCFY15.08%
OCF(TTM)2.64
OCFY24.48%
SpS14.29
BVpS6.2
TBVpS2.35
PEG (NY)N/A
PEG (5Y)4.07
Graham Number8.35
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.3 |
F-Score3
WACC8.34%
ROIC/WACC0.73
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-27.74%
EPS Next 3Y-6%
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-8.42%
Revenue Next 2Y-4.47%
Revenue Next 3Y0.01%
Revenue Next 5Y0.38%
EBIT growth 1Y-29.12%
EBIT growth 3Y5.37%
EBIT growth 5Y5.11%
EBIT Next Year-31.64%
EBIT Next 3Y4.7%
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.