CNH Industrial (CNH) AI Stock Analysis

• Market Cap: $13.10B
• Dividend Yield: 2.59%
• Average Volume (3M): 11.34M
• Price to Earnings (P/E): 15.9
• Beta (1Y): 0.90
• Revenue Growth: -21.70%
• EPS Growth: -57.68%
• Country: US
• Employees: 35,850
• Sector: Industrials
• Sector Strength: 72
• Industry: Agricultural - Machinery
• EPS (TTM): 0.08
• Shares Outstanding: 1,250,820,100
• 10 Day Avg. Volume: 10,874,961
• 30 Day Avg. Volume: 11,336,545
• PEG Ratio: -0.27
• Price to Book (P/B): 1.86
• Price to Sales (P/S): 0.72
• P/FCF Ratio: 18.17
• Enterprise Value/Market Cap: 3.12
• Enterprise Value/Revenue: 2.26
• Enterprise Value/Gross Profit: 6.99
• Enterprise Value/Ebitda: 12.86
• 1Y Price Target: $13.41
• Price Target Upside: 38.82% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 11
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: $10.50 ▲(8.70% Upside)

CNH Industrial's overall stock score reflects a combination of resilient cash flow generation and operational efficiency, offset by bearish technical indicators and a cautious earnings outlook. High leverage and declining revenue growth are significant risks, while fair valuation and dividend yield provide some support.

Positive Factors

Cash Flow Generation

Robust cash flow growth indicates CNH's ability to efficiently convert earnings into cash, supporting long-term investments and debt servicing.

Innovation and Technology

Recognition for innovation in AI and technology integration enhances CNH's competitive edge, driving future product development and market leadership.

Operational Efficiency

Significant cost reductions in quality and manufacturing processes boost operational efficiency, improving profitability and competitive positioning.

Negative Factors

High Leverage

High leverage poses financial risks, limiting flexibility and increasing vulnerability to interest rate changes or economic downturns.

Revenue Decline

Declining revenues reflect challenges in maintaining sales momentum, potentially impacting long-term growth and market share.

Tariff Impact

Tariff impacts increase operational costs, pressuring margins and requiring strategic adjustments to mitigate long-term financial strain.

CNH Industrial Business Overview & Revenue Model

Company Description

CNH Industrial is a global leader in the capital goods sector, specializing in the manufacture of agricultural and construction equipment, commercial vehicles, and powertrain solutions. The company operates through various segments, including Agriculture, Construction, Commercial Vehicles, and Financial Services, offering a diverse portfolio of products such as tractors, combines, excavators, and trucks. With a presence in over 180 countries, CNH Industrial focuses on innovation and sustainability, providing advanced technologies and services to enhance productivity for its customers in the farming, construction, and transportation industries.

How the Company Makes Money

CNH Industrial generates revenue through multiple channels, primarily from the sale of its equipment and vehicles across its various segments. The Agriculture segment contributes significantly by offering a range of tractors, harvesters, and other farming machinery. The Construction segment generates income through the sale of excavators, loaders, and other heavy machinery. The Commercial Vehicles segment earns revenue from the production and sale of trucks and vans, catering to the logistics and transportation industries. Additionally, CNH Industrial has a Financial Services segment that provides financing solutions to customers, enabling them to purchase equipment and vehicles, which also contributes to the company's revenue. Key partnerships with dealers and distributors enhance its market reach, while ongoing investments in research and development drive innovation, helping to secure a competitive advantage and boost sales.

CNH Industrial Financial Statement Overview

Summary

CNH Industrial shows resilience in cash flow generation and operational efficiency, with a strong free cash flow growth of 38.23%. However, challenges such as declining revenue growth, high leverage with a debt-to-equity ratio of 3.59, and fluctuating profitability metrics present potential risks.

Income Statement

CNH Industrial's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate by 4.13%, reflecting challenges in maintaining sales momentum. However, the company maintains a decent EBIT margin of 10.65% and a net profit margin of 5.84%, indicating operational efficiency. Historical data reveals fluctuating revenue growth, with a notable decline in 2021 but recovery in subsequent years. The gross profit margin has decreased in the TTM period compared to previous years, suggesting pressure on cost management.

Balance Sheet

The balance sheet highlights a high debt-to-equity ratio of 3.59 in the TTM period, indicating significant leverage which could pose financial risk. The return on equity has decreased to 13.68% in the TTM, down from higher levels in previous years, reflecting reduced profitability for shareholders. The equity ratio remains stable, but the high leverage suggests potential vulnerability to interest rate changes or economic downturns.

Cash Flow

Cash flow analysis shows a strong free cash flow growth of 38.23% in the TTM period, indicating improved cash generation capabilities. The operating cash flow to net income ratio of 0.83 suggests efficient conversion of earnings into cash. However, historical data shows volatility in free cash flow, with negative figures in some years, highlighting potential cash flow management challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	18.07B	19.84B	24.69B	23.55B	19.49B	14.78B
Gross Profit	5.85B	6.49B	7.85B	6.97B	5.40B	4.56B
EBITDA	3.18B	3.67B	4.58B	3.88B	2.98B	1.37B
Net Income	823.00M	1.25B	2.27B	2.03B	1.72B	-493.00M
Balance Sheet
Total Assets	43.69B	42.93B	46.27B	39.38B	49.42B	48.72B
Cash, Cash Equivalents and Short-Term Investments	2.51B	3.87B	5.04B	5.13B	5.84B	9.63B
Total Debt	27.69B	27.16B	27.63B	23.19B	21.09B	26.51B
Total Liabilities	35.85B	35.16B	38.12B	32.41B	42.56B	43.69B
Stockholders Equity	7.71B	7.65B	8.03B	6.93B	6.78B	4.91B
Cash Flow
Free Cash Flow	2.13B	782.00M	-288.00M	-442.00M	3.16B	4.68B
Operating Cash Flow	3.42B	1.97B	907.00M	557.00M	4.08B	5.53B
Investing Cash Flow	-2.46B	-2.77B	-3.70B	-3.01B	-5.00B	-2.75B
Financing Cash Flow	-508.00M	-67.00M	2.60B	1.96B	-1.45B	659.00M

CNH Industrial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 9.66
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNH, the sentiment is Negative. The current price of 9.66 is below the 20-day moving average (MA) of 10.44, below the 50-day MA of 10.77, and below the 200-day MA of 12.05, indicating a bearish trend. The MACD of -0.19 indicates Positive momentum. The RSI at 29.10 is Positive, neither overbought nor oversold. The STOCH value of 25.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CNH.

CNH Industrial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CAT	76 Outperform	$266.35B	29.20	46.30%	1.04%	-1.51%	-9.69%
PCAR	74 Outperform	$52.91B	19.72	14.15%	4.06%	-15.29%	-42.93%
OSK	71 Outperform	$7.91B	12.19	15.42%	1.59%	-2.28%	-0.53%
DE	66 Neutral	$128.05B	24.76	21.59%	1.38%	-20.63%	-34.82%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
AGCO	59 Neutral	$7.97B	21.27	8.69%	1.42%	-20.09%	121.28%
CNH	56 Neutral	$13.10B	15.93	10.79%	2.59%	-21.70%	-57.68%

CNH Industrial Corporate Events

CNH Industrial Reports Q3 2025 Financial Results

CNH Industrial N.V. is a global leader in the capital goods sector, specializing in the design, production, and sale of agricultural and construction equipment, commercial vehicles, and powertrain solutions. The company is headquartered in Basildon, UK, and operates across various regions worldwide.

CNH Industrial Reports Q3 2025 Revenue Decline

On November 7, 2025, CNH Industrial reported its third-quarter results for 2025, showing a decline in consolidated revenues to $4.4 billion, a 5% decrease from the previous year, amid decreased industry demand and channel destocking. The company experienced a significant drop in net income to $67 million, compared to $310 million in Q3 2024, and adjusted EBIT of Industrial Activities fell by 69%. Despite these challenges, CNH Industrial is taking steps to navigate near-term headwinds by maintaining disciplined production levels and investing in technology, with a focus on achieving long-term strategic targets.

The most recent analyst rating on (CNH) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on CNH Industrial stock, see the CNH Stock Forecast page.