📊 CNH Key Takeaways
Investment Thesis
CNH Industrial demonstrates solid revenue growth of 17.9% YoY with strong free cash flow generation at 14.0% FCF margin, indicating operational efficiency in cash conversion. However, profitability metrics are concerning with net margin of only 2.8%, declining diluted EPS (-58.6% YoY), and weak interest coverage of 1.1x, reflecting high leverage relative to earnings capacity despite low reported debt levels.
CNH Strengths
- Strong revenue growth of 17.9% YoY demonstrating market demand
- Robust free cash flow of $2.5B with 14.0% FCF margin indicating efficient working capital management
- Substantial operating cash flow of $2.5B supporting capital needs and shareholder returns
CNH Risks
- Severely diluted EPS declined 58.6% YoY despite revenue growth, suggesting margin compression or increased share count issues
- Net profit margin of only 2.8% indicates thin profitability with limited cushion for operational disruptions
- Critically low interest coverage ratio of 1.1x signals insufficient operating income to service debt obligations, presenting financial distress risk
- ROE of 6.6% and ROA of 1.2% reflect poor capital efficiency relative to $7.8B equity and $42.7B asset base
- High leverage with $34.9B liabilities against $7.8B equity (4.5x ratio) despite reported zero long-term debt indicates hidden leverage or pension obligations
Key Metrics to Watch
- Operating margin trend and sustainability given weak profitability
- Interest coverage ratio improvement and actual debt repayment capacity
- Return on equity and ROA progression to confirm capital efficiency recovery
- EPS trajectory reversal to assess share dilution and earnings power stabilization
CNH Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CNH Profitability Ratios
CNH vs Industrial Sector
How CNH Industrial N.V. compares to Industrial sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CNH Balance Sheet & Liquidity
CNH 5-Year Financial Trend
5-Year Trend Summary: CNH Industrial N.V.'s revenue has shown modest growth of 3% over the 5-year period. The most recent EPS of $1.69 reflects profitable operations.
CNH Growth Metrics (YoY)
CNH Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $3.7B | $80.0M | $0.06 |
| Q2 2025 | $4.0B | $213.0M | $0.17 |
| Q1 2025 | $3.2B | $131.0M | $0.10 |
| Q3 2024 | $4.0B | $306.0M | $0.24 |
| Q2 2024 | $4.8B | $433.0M | $0.34 |
| Q1 2024 | $4.1B | $401.0M | $0.31 |
| Q3 2023 | $5.3B | $556.0M | $0.41 |
| Q2 2023 | $5.6B | $548.0M | $0.40 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CNH Capital Allocation
CNH SEC Filings
Access official SEC EDGAR filings for CNH Industrial N.V. (CIK: 0001567094)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CNH
What is the AI rating for CNH?
CNH Industrial N.V. (CNH) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CNH's key strengths?
Strong revenue growth of 17.9% YoY demonstrating market demand. Robust free cash flow of $2.5B with 14.0% FCF margin indicating efficient working capital management.
What are the risks of investing in CNH?
Severely diluted EPS declined 58.6% YoY despite revenue growth, suggesting margin compression or increased share count issues. Net profit margin of only 2.8% indicates thin profitability with limited cushion for operational disruptions.
What is CNH's revenue and growth?
CNH Industrial N.V. reported revenue of $18.1B.
Does CNH pay dividends?
CNH Industrial N.V. pays dividends, with $333.0M distributed to shareholders in the trailing twelve months.
Where can I find CNH SEC filings?
Official SEC filings for CNH Industrial N.V. (CIK: 0001567094) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CNH's EPS?
CNH Industrial N.V. has a diluted EPS of $0.41.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.