CNH Industrials

CNH Industrial N.V.

$11.73-0.68%

Price as of close on Nov 3, 2026 · Financials updated Nov 2, 2026

Basics

Sector: Industrials
Industry: Farm & Heavy Construction Machinery
Country: United Kingdom
Market cap: 18.9B USD
Enterprise value: 42.8B USD
Full-time employees: 34,197

Overall health

Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
Drawback: higher risk than most peers: its share price swings more than most peers’ (beta 1.29 vs a peer median of 0.64) and more debt relative to equity (3.33× vs a peer median of 0.40×)higher risk: bigger price swings (beta 1.29 vs peers 0.64) and more debt vs equity (3.33× vs peers 0.40×)
About average: profitability

Ranks #2,020 of 2,308 industrials companies (bottom 13%)

See how it ranks against its peers

Worth knowing

Much more borrowing than peers. Debt is 3.3× equity vs a peer median of 0.4×.Debt is 3.3× equity vs peers 0.4×.
Debt is 3.3× shareholders' equity, against a peer median of 0.4×, among the highest 10% of its peer group.Debt is 3.3× shareholders' equity, vs peers 0.4×, among the highest 10% of its peer group.
Share count shrinking. Shares outstanding down 7.9% from December 2022 to June 2026.
CNH Industrial had 7.9% fewer shares at June 2026 than at December 2022, mainly through buybacks, so each remaining share owns a larger slice of the business.
Profit is backed by cash. Free cash flow is 196% of reported profit.
CNH Industrial's free cash flow is 196% of its reported profit, so its earnings are turning into cash it can reinvest, pay out or use to reduce debt.
More volatile share price. Beta 1.29: tends to move more than the market.
CNH Industrial's shares have swung more with the market than most peers' (beta 1.29, above the market's 1.0).

StockQuotient Score

27/ 100

Oct 5 27 → Nov 4 27

Valuation

Is the price right?

26/100

Weak▼ 1 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 27 → 26

Share price +5.3%-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ EBITDA yield
▼ Earnings yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield1.6%

SEC filings · 12 months to Jun 2026Reported value30% base weight · Z-score -0.72Sector median: 0.0377 · MAD: 0.0294

EBITDA yield2.7%

Yahoo Finance fallback · SEC enterprise value unavailable (debt or EBITDA not reported in standard form) · trailing 12 monthsReported value50% base weight · Z-score -1.01Sector median: 0.0695 · MAD: 0.0425

Free cash flow yield3.2%

Yahoo Finance fallback · SEC cash flow or share count unavailable · trailing 12 months · operating cash flow − capital spendingReported value20% base weight · Z-score -0.12Sector median: 0.0370 · MAD: 0.0370

Other data (not scored)

Book yield41.3%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.5027 · MAD: 0.2823

Growth

Is it growing?

11/100

Weak

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth
▼ 3-yr revenue
▼ Revenue growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth-61.8%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -2.78Sector median: 0.0709 · MAD: 0.2481

3-year revenue growth-9.7%

SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score -2.23Sector median: 0.0421 · MAD: 0.0625

Revenue growth0.6%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.49Sector median: 0.0439 · MAD: 0.0766

Profitability

Does it earn well?

43/100

Moderate▲ 1 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Score 42 → 43

Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ Operating margin
▼ ROA
▼ ROIC

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin15.5%

Yahoo Finance fallback · SEC operating income not reported in standard form · fiscal year to Dec 2025Reported value33% base weight · Z-score 1.53Sector median: 0.0773 · MAD: 0.0507

Return on assets0.7%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.98Sector median: 0.0311 · MAD: 0.0241

Return on invested capital2.4%

Yahoo Finance fallback · SEC operating income or invested capital unavailable · trailing 12 monthsReported value33% base weight · Z-score -0.84Sector median: 0.0715 · MAD: 0.0558

Other data (not scored)

Gross margin30.6%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.2573 · MAD: 0.1038

Return on equity4.0%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0802 · MAD: 0.0639

Risk

Debt, liquidity, price swings

Higher

Higher relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Safety percentile 29 → 28

Company's reported figures updated-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ Debt / equity
▼ Beta

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta1.29

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -2.36Sector median: 0.6440 · MAD: 0.2745

Current ratio4.88×

Yahoo Finance fallback · SEC figure unavailable or out of dateReported value33% base weight · Z-score 6.09Sector median: 1.6180 · MAD: 0.5360

Debt / equity3.33×

SEC filings · latest balance sheetOutlier capped at sector 5th/95th percentile33% base weight · Z-score -6.37Sector median: 0.4019 · MAD: 0.3378

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about CNH Industrial

Is CNH Industrial getting weaker?: Its latest SEC filing (Aug 3, 2026) showed no major changes. Its overall score is unchanged at 27/100 since Oct 28, 2026.
How is CNH Industrial valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 26/100 against 2,459 industrials peers. EBITDA yield 2.7% vs a peer median of 6.9% (weaker than 78% of peers).EBITDA yield 2.7% vs peers 6.9% (weaker than 78% of peers).
Is CNH Industrial growing?: More slowly than most of its peers. Growth scores 11/100 against 2,459 industrials peers. Earnings per share growth -61.8% vs a peer median of 7.1% (weaker than 94% of peers).Earnings per share growth -61.8% vs peers 7.1% (weaker than 94% of peers).
How profitable is CNH Industrial?: About as profitable as its peers. Profitability scores 43/100 against 2,459 industrials peers. Operating margin 15.5% vs a peer median of 7.7% (stronger than 79% of peers).Operating margin 15.5% vs peers 7.7% (stronger than 79% of peers). Return on assets 0.7% vs a peer median of 3.1% (weaker than 76% of peers).Return on assets 0.7% vs peers 3.1% (weaker than 76% of peers).
How risky is CNH Industrial?: Higher risk relative to 2,459 industrials peers, judged on debt, liquidity and share-price swings. Current ratio 4.88× vs a peer median of 1.62× (stronger than 94% of peers).Current ratio 4.88× vs peers 1.62× (stronger than 94% of peers). Debt / equity 3.33× vs a peer median of 0.40× (weaker than 100% of peers).Debt / equity 3.33× vs peers 0.40× (weaker than 100% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 3, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	18.1B USD	18.2B USD	+0.5%
Net income (12 months)	386.0M USD	311.0M USD	−19.4%
Debt	25.9B USD	26.0B USD	+0.2%
Cash	1.6B USD	1.9B USD	+16.5%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Gross margin	27.6%	28.7%	31.8%	32.7%	31.5%	▼ 1.2 pts
Net margin	8.8%	8.6%	9.2%	6.3%	2.8%	▼ 3.5 pts
Return on assets (ROA)	3.5%	5.2%	4.9%	2.9%	1.2%	▼ 1.7 pts
Return on equity (ROE)	25.3%	29.3%	28.1%	16.2%	6.6%	▼ 9.6 pts
Debt to equity	3.07×	3.31×	3.38×	3.49×	3.44×	▼ 1.2%

CNH price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Drawback: higher risk than most peers: its share price swings more than most peers’ (beta 1.29 vs a peer median of 0.64) and more debt relative to equity (3.33× vs a peer median of 0.40×)higher risk: bigger price swings (beta 1.29 vs peers 0.64) and more debt vs equity (3.33× vs peers 0.40×)

About average: profitability

Ranks #2,020 of 2,308 industrials companies (bottom 13%)

See how it ranks against its peers

Worth knowing

Much more borrowing than peers. Debt is 3.3× equity vs a peer median of 0.4×.Debt is 3.3× equity vs peers 0.4×.

Debt is 3.3× shareholders' equity, against a peer median of 0.4×, among the highest 10% of its peer group.Debt is 3.3× shareholders' equity, vs peers 0.4×, among the highest 10% of its peer group.

Share count shrinking. Shares outstanding down 7.9% from December 2022 to June 2026.

CNH Industrial had 7.9% fewer shares at June 2026 than at December 2022, mainly through buybacks, so each remaining share owns a larger slice of the business.

Profit is backed by cash. Free cash flow is 196% of reported profit.

CNH Industrial's free cash flow is 196% of its reported profit, so its earnings are turning into cash it can reinvest, pay out or use to reduce debt.

More volatile share price. Beta 1.29: tends to move more than the market.

CNH Industrial's shares have swung more with the market than most peers' (beta 1.29, above the market's 1.0).

Questions investors ask about CNH Industrial

Is CNH Industrial getting weaker?

Its latest SEC filing (Aug 3, 2026) showed no major changes. Its overall score is unchanged at 27/100 since Oct 28, 2026.

How is CNH Industrial valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 26/100 against 2,459 industrials peers. EBITDA yield 2.7% vs a peer median of 6.9% (weaker than 78% of peers).EBITDA yield 2.7% vs peers 6.9% (weaker than 78% of peers).

Is CNH Industrial growing?

More slowly than most of its peers. Growth scores 11/100 against 2,459 industrials peers. Earnings per share growth -61.8% vs a peer median of 7.1% (weaker than 94% of peers).Earnings per share growth -61.8% vs peers 7.1% (weaker than 94% of peers).

How profitable is CNH Industrial?

About as profitable as its peers. Profitability scores 43/100 against 2,459 industrials peers. Operating margin 15.5% vs a peer median of 7.7% (stronger than 79% of peers).Operating margin 15.5% vs peers 7.7% (stronger than 79% of peers). Return on assets 0.7% vs a peer median of 3.1% (weaker than 76% of peers).Return on assets 0.7% vs peers 3.1% (weaker than 76% of peers).

How risky is CNH Industrial?

Higher risk relative to 2,459 industrials peers, judged on debt, liquidity and share-price swings. Current ratio 4.88× vs a peer median of 1.62× (stronger than 94% of peers).Current ratio 4.88× vs peers 1.62× (stronger than 94% of peers). Debt / equity 3.33× vs a peer median of 0.40× (weaker than 100% of peers).Debt / equity 3.33× vs peers 0.40× (weaker than 100% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

18.1B USD

18.2B USD

+0.5%

Net income (12 months)

386.0M USD

311.0M USD

−19.4%

Debt

25.9B USD

26.0B USD

+0.2%

Cash

1.6B USD

1.9B USD

+16.5%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Gross margin

27.6%

28.7%

31.8%

32.7%

31.5%

▼ 1.2 pts

Net margin

8.8%

8.6%

9.2%

6.3%

2.8%

▼ 3.5 pts

Return on assets (ROA)

3.5%

5.2%

4.9%

2.9%

1.2%

▼ 1.7 pts

Return on equity (ROE)

25.3%

29.3%

28.1%

16.2%

6.6%

▼ 9.6 pts

Debt to equity

3.07×

3.31×

3.38×

3.49×

3.44×

▼ 1.2%