CNH Stock Analysis: CNH Industrial | NYSE
Farm & Heavy Construction Machinery | NYSE, USA | Market Cap: 13.925m USD | 12M Return: -21.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 113M
EPS Trend: -94.7%
Qual. Beats: -1
Rev. Trend: -95.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CNH Industrial N.V. (NYSE: CNH) is a global equipment manufacturer that develops, produces, and sells agricultural and construction machinery across North America, Europe, the Middle East, Africa, South America, and Asia Pacific. Founded in 1842 and headquartered in Basildon, United Kingdom, the company operates through three reporting segments: Agriculture, Construction, and Financial Services.
The Agriculture segment supplies tractors, harvesters, hay and forage equipment, seeding and planting machinery, self-propelled sprayers, and precision agriculture solutions under the Case IH, New Holland, STEYR, and Raven brands. The Construction segment offers excavators, crawler dozers, graders, wheel loaders, backhoe loaders, skid steer loaders, and compact track loaders marketed under the New Holland Construction, Case Construction, and Eurocomach brands. Demand in both segments is closely tied to cyclical drivers such as farm income, commodity prices, and infrastructure or construction activity.
The Financial Services segment supports equipment sales by providing retail financing to end-users, wholesale financing to dealers and distributors, revolving charge account financing, and trade receivables factoring under the Banco CNH brand. This captive finance arm is a common feature in the heavy-equipment industry, where financing availability is a key driver of unit sales and dealer competitiveness.
- North American ag equipment demand softens on lower farm income
- Construction segment margins expand on infrastructure spending tailwinds
- Precision agriculture adoption accelerates via Raven brand integration
| Net Income: 386.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 0.15 > 1.0 |
| NWC/Revenue: 139.3% < 20% (prev 143.7%; Δ -4.40% < -1%) |
| CFO/TA 0.06 > 3% & CFO 2.41b > Net Income 386.0m |
| Net Debt (24.9b) to EBITDA (2.68b): 9.29 < 3 |
| Current Ratio: 6.92 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.24b) vs 12m ago -0.72% < -2% |
| Gross Margin: 31.38% > 18% (prev 32.53%; Δ -1.15% > 0.5%) |
| Asset Turnover: 43.03% > 50% (prev 44.82%; Δ -1.79% > 0%) |
| Interest Coverage Ratio: 1.35 > 6 (EBIT TTM 2.03b / Interest Expense TTM 1.51b) |
| A: 0.60 (Total Current Assets 29.5b - Total Current Liabilities 4.26b) / Total Assets 42.0b |
| B: 0.25 (Retained Earnings 10.5b / Total Assets 42.0b) |
| C: 0.05 (EBIT TTM 2.03b / Avg Total Assets 42.0b) |
| D: 0.23 (Book Value of Equity 7.77b / Total Liabilities 34.2b) |
| Altman-Z'' = 5.31 = AAA |
| DSRI: 1.01 (Receivables 22.6b/23.4b, Revenue 18.1b/18.8b) |
| GMI: 1.04 (GM 32.53% / 31.38%) |
| AQI: 1.16 (AQ_t 0.21 / AQ_t-1 0.18) |
| SGI: 0.96 (Revenue 18.1b / 18.8b) |
| TATA: -0.05 (NI 386.0m - CFO 2.41b) / TA 42.0b) |
| Beneish M = -2.93 (Cap -4..+1) = A |
As of July 03, 2026, the stock is trading at USD 10.72 with a total of 9,352,550 shares traded. Over the past week, the price has changed by -1.92%, over one month by -2.10%, over three months by +1.63% and over the past year by -21.34%.
Current recommended Stop Loss: 10.10 (which is 5.8% or 1.4 ATR below the current price).
CNH Industrial has received a consensus analysts rating of 4.05. Therefore, it is recommended to buy CNH.
- StrongBuy: 8
- Buy: 4
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 13.3 | 24.2% |
P/E Trailing = 35.0938
P/E Forward = 26.455
P/S = 0.7696
P/B = 1.7916
P/EG = 0.6382
Revenue TTM = 18.1b USD
EBIT TTM = 2.03b USD
EBITDA TTM = 2.68b USD
Long Term Debt = 25.9b USD (from longTermDebt, last quarter)
Short Term Debt = 89.0m USD (from shortTermDebt, last fiscal year)
Debt = 26.5b USD (from shortLongTermDebtTotal, last quarter) + Leases 288.0m
Net Debt = 24.9b USD (calculated: Debt 26.5b - CCE 1.60b)
Enterprise Value = 38.8b USD (13.9b + Debt 26.5b - CCE 1.60b)
Interest Coverage Ratio = 1.35 (Ebit TTM 2.03b / Interest Expense TTM 1.51b)
EV/FCF = 21.09x (Enterprise Value 38.8b / FCF TTM 1.84b)
FCF Yield = 4.74% (FCF TTM 1.84b / Enterprise Value 38.8b)
FCF Margin = 10.17% (FCF TTM 1.84b / Revenue TTM 18.1b)
Net Margin = 2.13% (Net Income TTM 386.0m / Revenue TTM 18.1b)
Gross Margin = 31.38% ((Revenue TTM 18.1b - Cost of Revenue TTM 12.4b) / Revenue TTM)
Gross Margin QoQ = 31.91% (prev 29.45%)
Tobins Q-Ratio = 0.92 (Enterprise Value 38.8b / Total Assets 42.0b)
Interest Expense / Debt = 5.69% (Interest Expense 1.51b / Debt 26.5b)
Taxrate = 26.91% (141.0m / 524.0m)
NOPAT = 1.49b (EBIT 2.03b * (1 - 26.91%))
Current Ratio = 6.92 (Total Current Assets 29.5b / Total Current Liabilities 4.26b)
Debt / Equity = 3.41 (Debt 26.5b / totalStockholderEquity, last quarter 7.77b)
Debt / EBITDA = 9.29 (Net Debt 24.9b / EBITDA 2.68b)
Debt / FCF = 13.52 (Net Debt 24.9b / FCF TTM 1.84b)
Total Stockholder Equity = 7.74b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 386.0m / Total Assets 42.0b)
RoE = 4.99% (Net Income TTM 386.0m / Total Stockholder Equity 7.74b)
RoCE = 6.04% (EBIT 2.03b / Capital Employed (Equity 7.74b + L.T.Debt 25.9b))
RoIC = 4.02% (NOPAT 1.49b / Invested Capital 37.0b)
WACC = 6.06% (E(13.9b)/V(40.4b) * Re(9.66%) + D(26.5b)/V(40.4b) * Rd(5.69%) * (1-Tc(0.27)))
Discount Rate = 9.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.09 | Cagr: -3.06%
[DCF] Terminal Value 75.91% ; FCFF base≈1.81b ; Y1≈1.88b ; Y5≈2.11b
[DCF] Fair Price = 6.22 (EV 32.6b - Net Debt 24.9b = Equity 7.72b / Shares 1.24b; r=8.35% [WACC [floored]]; 5y FCF grow 3.60% → 2.50% )
EPS Correlation: -94.69 | EPS CAGR: -42.69% | SUE: -1.26 | # QB: -1
Revenue Correlation: -95.64 | Revenue CAGR: -13.93% | SUE: -0.52 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.11 | Chg30d=+1.01% | Revisions=+33% | Analysts=14
EPS current Year (2026-12-31): EPS=0.41 | Chg30d=-0.73% | Revisions=+14% | GrowthEPS=-26.0% | GrowthRev=-1.3%
EPS next Year (2027-12-31): EPS=0.73 | Chg30d=-0.98% | Revisions=-14% | GrowthEPS=+79.1% | GrowthRev=+7.1%
[Analyst] Revisions Ratio: +33%