CNH

CNH Industrial N.V.

IndustrialsFarm & Heavy Construction MachineryUnclassified

$10.71 · 15min delay

β 1.25

A steady large-cap business trading at a discounted valuation. Most frameworks reject it today.

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52-wk low $9.0052-wk high $14.27

Mkt Cap

$13.29B

P/E

—

PEG

0.62

P/B

1.70

Dividend

0.91%

ROE

4.8%

About the business

CNH Industrial N.V., an equipment company, engages in the develops, manufacture, and sale agricultural and construction equipment in North America, Europe, the Middle East, Africa, South America, and the Asia Pacific. The company operates through three segments: Agriculture, Construction, and Financial Services. The Agriculture segment develops, manufactures, distributes, and supports agriculture equipment, implements, and precision agriculture solutions, such as tractors, harvesters, hay and forage equipment, seeding and planting equipment, and self-propelled sprayers under Case IH, New Holland, STEYR, and Raven brands. The Construction segment develops, manufactures, distributes, and supports construction equipment comprising excavators, crawler dozers, graders, wheel loaders, backhoe loaders, skid steer loaders, and compact track loaders under the New Holland Construction, Case Construction, and Eurocomach brands. The Financial Services segment provides and administers financing to end-use customers for the purchase of new and used agricultural and construction equipment and components, as well as revolving charge account financing and other financial services under the Banco CNH brand. This segment also offers wholesale financing to CNH dealers and distributors, as well as trade receivables factoring services. CNH Industrial N.V. was founded in 1842 and is headquartered in Basildon, the United Kingdom

Who would buy CNH?

Consensus 1/100 · Aligned · Investors mostly agree.

0 1 14

Endorses

· 0 frameworks

No framework reaches a strong endorsement at current metrics.

Rejects

· 3 frameworks

Joel Greenblatt· Magic Formula0/100
ROE > 20% is 4.8% — fails "> 20.0%".
Charlie Munger· Munger Elite Quality0/100
ROE > 25% (elite) is 4.8% — fails "> 25.0%".

Insider activity · Mixed

Open-market buying concentrated in one insider

Strength 45/100

Buying is limited to a single filer (HEYWOOD SUZANNE E, $500K). Single-insider buys are worth noting but carry less weight than broad-based conviction — they can reflect an outlier view rather than a shared read inside the C-suite.

Buying concentrated in one filer — lower conviction signal.

In Prism's context

Insider activity is inconclusive here. The stock's case should lean on the framework verdict (Fails criteria, score 1/100) and the archetype read (Unclassified).

Insider	Role	Type	Date	Shares	Avg price	Value	Own
NICKOLAS JAMES A. J.	Chief Financial Officer	Transaction	May 4, 2026	183,673	—	—	Direct
PAMPALONE STEFANO	Officer	Transaction	May 4, 2026	26,895	—	—	Direct
HEYWOOD SUZANNE E	Director	Transaction	May 4, 2026	26,375	—	—	Direct
MACLEOD DOUGLAS S	Officer	Transaction	May 4, 2026	7,000	—	—	Direct
SCHROEDER JAY D	Chief Technology Officer	Transaction	May 4, 2026	8,500	—	—	Direct
CHISHTI HUMAYUN	Officer	Transaction	May 4, 2026	5,200	—	—	Direct
TUTINO FRANCESCO VINCENZO MARIA	Officer	Transaction	May 4, 2026	105,371	—	—	Direct
TUTINO FRANCESCO VINCENZO MARIA	Officer	Open-market sell	May 4, 2026	48,385	$10.13	$490K	Direct
MARX GERRIT A	Chief Executive Officer	Transaction	Feb 27, 2026	494,012	—	—	Direct
SCHROEDER JAY D	Chief Technology Officer	Transaction	Feb 27, 2026	3,346	—	—	Direct
HEYWOOD SUZANNE E	Director	Open-market buy	Nov 18, 2025	52,522	$9.52	$500K	Direct

Insider activity from Yahoo Finance (quoteSummary: insiderTransactions + netSharePurchaseActivity). Cached 6 hours. · Insiders hold 29.9% of shares outstanding.

Net 6M: +0 sh

Price history

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Drag across the chart to select a custom period — all analysis below refocuses to that window.

What this means: A notable drawdown — worth re-reading the framework verdicts below with the cheaper price in mind.

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AI summaries

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Full framework decision report

See how Lynch, Buffett, Graham, Greenblatt, Fisher and more each score this stock — with every rule, threshold, and reason exposed.

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Peer comparison + AI read-through

See how this stock stacks up against its closest peers on valuation, growth, and returns — with a written peer summary.

What would CNH do to your portfolio?

Add CNH Industrial N.V. at a hypothetical weight and Prism recalculates your whole book:

Risk metrics

Sharpe, Sortino, volatility, max drawdown, beta — before and after.

Sector concentration

How much this shifts your top sector weight and overall diversification.

Archetype tilt

Whether this leans your book more toward Quality, Value, Growth, Deep Value, Income, or Momentum.

CNH is currently tagged:Fails criteria (1/100)

Portfolio analytics are part of the member experience.

Probabilistic recommendation· rec-v1.0.0-2026-04

CNH Industrial N.V. · CNH

CNH: 41% estimated probability of outperforming over the next 12M window. 1 of 6 signal families negative (medium confidence). Strongest support: 3 insiders buying. Main risk to monitor: 157% above fair value.

Outperform prob.

41%

vs S&P 500 · 12M

medium confidence

Expected return

-14.9% → +21.1%

mid +3.1% / yr

Downside (p20)

-17.0%

stress -34.0%

Data quality

98/100

Excellent

Probabilistic research output, not financial advice. Prism recommendations are based on available data, historical relationships, and model assumptions. They do not guarantee future returns. Conduct independent due diligence before any investment decision.

Backtested and similar-setup statistics may be affected by survivorship bias, look-ahead bias, overfitting, transaction costs, liquidity constraints, and data limitations. Probability estimates are anchored heuristics — not validated forecasts — until the walk-forward backtest pipeline is in place.

Prism Score

Composite 33/100. Strongest contribution from ownership; weakest from quality. Risk patterns shaved 2 points off the composite.

Composite

/ 100

Avoid

Deep valueval.

70/ 100

P/B 1.70× · FCF yield 1.9%

Margin of safetyval.

0/ 100

157% above fair value

Bull · base · bear scenarios

Three plausible paths over a 5-year horizon.

Indicative only. Probabilities are model-implied weights for stress-testing — not forecasts.

Bull

~20%

$5.42

-12.7% / yr (5y)

A turnaround takes hold: margin recovers toward peer averages, revenue stabilises, and the market re-prices the asset value rather than the running earnings.

Drivers

• Margin expands by 200–400 bps from 3%
• Stranded asset value crystallises
• Multiple re-rates one full turn higher

Base

~45%

$4.17

-17.2% / yr (5y)

No deterioration, no surprise re-acceleration. 3% operating margin and -0% top-line growth chug along; the multiple slowly converges to the central fair-value estimate.

Global value comparison

CNH Industrial N.V. vs sector medians — GCC, MENA, and Global ex-US.

Sector: Industrials. MENA-aware investors can sanity-check whether the US name is offering value relative to regional peers.

Metric	CNH	GCC median	MENA median	Global ex-US
P/E (TTM)	—	15.5×	13.0×	16.0×
P/B	1.70×	2.00×	1.70×	2.40×
Dividend yield	0.91%	3.00%	2.60%	2.20%
ROE	4.8%

Earnings reaction explainer

CNH missed materially — -90.4% below consensus.

Big miss· -90.4%

Reported EPS $0.01 vs $0.10 expected — a material miss. The bar of the next two prints will be lower, but the multiple that was bid up to today's level usually does not survive an unexplained shortfall this size. Trailing operating margin: 2.7%.

Quality investorsNegative
A material miss is incompatible with a quality-compounder narrative until proven otherwise. Two more prints needed before that label is restored.
Growth investorsNegative
Multiple compression typically follows. The risk is not the miss itself, it's that consensus needs to re-rate forward estimates lower.
Value investorsNegative
Even cheap stocks get cheaper after this kind of print — wait for capitulation rather than catching the falling knife.

News & events

Next earnings

Thu, Jul 30 · consensus EPS $0.10 · last actual $0.01

Key Metrics at a Glance

P/E Ratio (TTM)

N/A

PEG Ratio

0.62

P/B Ratio

1.70

EPS Growth

-94.4%

Revenue Growth

-0.1%

Debt / Equity

3.34

Net Cash / Share

$-20.09

Return on Equity

4.8%

Gross Margin

18.5%

Operating Margin

2.7%

FCF / Share

$0.20

Current Ratio

4.90