CNH Industrial (CNH) AI Stock Analysis

• Market Cap: $11.72B
• Dividend Yield: 2.66%
• Average Volume (3M): 13.76M
• Price to Earnings (P/E): 19.7
• Beta (1Y): 0.91
• Revenue Growth: -18.10%
• EPS Growth: -65.24%
• Country: US
• Employees: 35,850
• Sector: Industrials
• Sector Strength: 72
• Industry: Agricultural - Machinery
• EPS (TTM): 0.08
• Shares Outstanding: 1,246,404,700
• 10 Day Avg. Volume: 14,575,257
• 30 Day Avg. Volume: 13,763,878
• 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: 3.26
• Enterprise Value/Revenue: 2.14
• Enterprise Value/Gross Profit: 7.47
• Enterprise Value/Ebitda: 13.46
• 1Y Price Target: $12.83
• Price Target Upside: 36.06% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 15
• EPS Forecast (FY): 0.48
• Revenue Forecast (FY): $17.72B

• Rating: 54 Neutral
• Price Target: $10.00 ▲(6.04% Upside)

CNH Industrial's overall stock score reflects a challenging environment. The most significant factors are the declining revenue growth and high leverage, which weigh heavily on the financial performance score. Technical analysis indicates bearish momentum, further impacting the score. Valuation is moderate but not compelling enough to offset these challenges.

Positive Factors

Innovation and Technology Integration

Recognition for innovation highlights CNH's commitment to advancing technology in agriculture, which can enhance product offerings and competitive positioning.

Cash Flow Generation

Improved cash flow generation enhances liquidity and operational flexibility, supporting long-term investments and stability.

EMEA Sales Growth

Strong sales growth in EMEA indicates successful market penetration and demand, contributing positively to the company's global revenue mix.

Negative Factors

Declining Revenue Growth

A decline in revenue growth suggests challenges in maintaining market share and sales momentum, impacting long-term financial performance.

High Leverage

High leverage can strain financial stability and limit the company's ability to invest in growth opportunities, posing long-term risks.

North America Market Challenges

Weak demand and inventory issues in North America highlight regional challenges that could affect overall revenue and market strategy.

CNH Industrial Business Overview & Revenue Model

Company Description

CNH Industrial is a global manufacturer of heavy machinery, with a range of products including agricultural and construction equipment. One of its most recognizable brands, Case IH, has served farmers for generations. The company's products are available through a robust dealer network, which includes over 3,600 dealer and distribution locations worldwide. CNH’s finance arm provides retail financing for equipment to its customers in addition to wholesale financing for dealers, which increases the likelihood of product sales.

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's financial performance is mixed. While profitability remains stable, revenue growth is declining. The balance sheet shows high leverage and reduced ROE, but cash flow generation has improved, enhancing liquidity.

Income Statement

CNH Industrial's income statement reveals a mixed performance. The TTM data shows a decline in revenue growth rate, indicating a contraction in sales. However, the company maintains a stable gross profit margin and a positive net profit margin, albeit lower than previous years. The EBIT and EBITDA margins have decreased compared to the previous year, suggesting reduced operational efficiency. Overall, while profitability remains positive, the declining revenue trend is a concern.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio, indicating significant leverage, which poses a risk in terms of financial stability. The return on equity has decreased in the TTM period, reflecting reduced profitability relative to shareholders' equity. Despite these challenges, the equity ratio remains stable, suggesting a balanced asset structure. The high leverage and declining ROE are key areas of concern.

Cash Flow

The cash flow statement indicates a strong free cash flow growth rate in the TTM period, highlighting improved cash generation capabilities. The operating cash flow to net income ratio is not available, but the free cash flow to net income ratio suggests efficient cash conversion. Despite past fluctuations, the recent improvement in free cash flow is a positive sign for liquidity and operational flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	17.81B	19.84B	24.69B	23.55B	19.49B	14.78B
Gross Profit	5.11B	6.49B	7.85B	6.97B	5.40B	3.63B
EBITDA	2.83B	3.67B	4.61B	3.88B	2.98B	1.02B
Net Income	597.00M	1.25B	2.27B	2.03B	1.72B	-493.00M
Balance Sheet
Total Assets	43.26B	42.93B	46.27B	39.38B	49.42B	48.72B
Cash, Cash Equivalents and Short-Term Investments	2.96B	3.87B	5.04B	5.13B	5.04B	9.63B
Total Debt	27.41B	27.16B	27.63B	23.19B	31.16B	26.51B
Total Liabilities	35.42B	35.16B	38.12B	32.41B	42.56B	43.69B
Stockholders Equity	7.73B	7.65B	8.03B	6.93B	6.78B	4.91B
Cash Flow
Free Cash Flow	2.48B	782.00M	-288.00M	-442.00M	3.16B	4.68B
Operating Cash Flow	3.29B	1.97B	907.00M	557.00M	4.08B	5.53B
Investing Cash Flow	-2.08B	-2.77B	-3.70B	-3.01B	-5.00B	-2.75B
Financing Cash Flow	-705.00M	-67.00M	2.60B	1.96B	-1.45B	659.00M

CNH Industrial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 9.43
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 9.43 is below the 20-day moving average (MA) of 9.93, below the 50-day MA of 10.38, and below the 200-day MA of 11.87, indicating a bearish trend. The MACD of -0.28 indicates Positive momentum. The RSI at 37.73 is Neutral, neither overbought nor oversold. The STOCH value of 19.47 is Positive, 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	$268.49B	29.44	46.30%	1.02%	-1.51%	-9.69%
PCAR	74 Outperform	$55.12B	20.54	14.15%	4.10%	-15.29%	-42.93%
OSK	71 Outperform	$8.04B	12.39	15.42%	1.60%	-2.28%	-0.53%
DE	66 Neutral	$127.02B	25.40	20.61%	1.38%	-11.66%	-27.80%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
AGCO	59 Neutral	$7.88B	21.03	8.69%	1.10%	-20.09%	121.28%
CNH	54 Neutral	$11.72B	19.71	7.77%	2.66%	-18.10%	-65.24%

CNH Industrial Corporate Events

CNH Industrial NV Faces Mixed Earnings Outlook

The recent earnings call for CNH Industrial NV painted a mixed picture of the company’s financial health and strategic direction. While there were notable achievements in the EMEA region and advancements in product quality and innovation, the overall sentiment was cautious due to significant revenue and margin pressures. The impact of tariffs and geopolitical challenges further complicated the outlook, particularly in North and South America.

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.