CNH Industrial N.V. (CNH) Stock Analysis & Winston Score

CNH Industrial makes large farming and construction equipment. Its most well-known brands are Case IH and New Holland, which sell tractors, combines, and other farm machines to farmers around the world. The company also sells construction equipment like excavators and backhoes under the Case Construction and CASE brands.

CNH makes money by selling equipment and replacement parts, and also earns fees through its financial services arm, which offers loans and leases to customers who buy its machines. The company operates globally, with strong presence in North America, Europe, and South America, and generates roughly $19 billion in annual revenue. Its dealer network and brand recognition in agriculture give it a durable competitive position, but the business is closely tied to farm income cycles — when crop prices fall, farmers delay big equipment purchases, which is the main risk the company faces going forward.

Winston Score History

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-94.9% YoY

YoY Growth Rate

Earnings declining

Insider Activity

29.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~7 years

$1.6B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

$1.6B cash & investments at current burn rate

Revenue declining

CNH Industrial N.V.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

31.9%

Modest — 31.9% gross margin

Operating Margin

13.7%

Healthy — 13.7% operating margin

ROCE

1.6%

Weak — 1.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-4.0%

Shrinking sales (-4.0% YoY)

EPS YoY

-62.8%

Earnings shrinking (-62.8% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

625%

Turns 625% of profit into real cash

FCF Margin

8.1%

Modest free cash flow (8.1%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

3.33

Heavy debt load (3.33)

Interest Cover

1.76x

Dangerous — barely covers interest (1.8x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

33.8x

no trend

Pricey — P/E 33.8

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+23.0

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (33.8 → 10.7)

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Dividends

Dividend Yield

0.93%

no trend

Small dividend — 0.93% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+50.3%

no trend

Dividend growing fast (50.3% YoY)

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