CNH INDUSTRIAL NV (37C.DE) Fundamental Analysis & Valuation

FRA:37C • NL0010545661

Current stock price

9.54 EUR
+0.03 (+0.32%)
Last:

This 37C.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. 37C.DE Profitability Analysis

1.1 Basic Checks

  • In the past year 37C was profitable.
  • 37C had a positive operating cash flow in the past year.
  • In the past 5 years 37C has always been profitable.
  • 37C had a positive operating cash flow in each of the past 5 years.
37C.DE Yearly Net Income VS EBIT VS OCF VS FCF37C.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

1.2 Ratios

  • The Return On Assets of 37C (1.19%) is worse than 64.49% of its industry peers.
  • 37C has a Return On Equity of 6.60%. This is comparable to the rest of the industry: 37C outperforms 50.47% of its industry peers.
  • 37C's Return On Invested Capital of 6.02% is in line compared to the rest of the industry. 37C outperforms 58.88% of its industry peers.
  • 37C had an Average Return On Invested Capital over the past 3 years of 9.46%. This is in line with the industry average of 8.48%.
Industry RankSector Rank
ROA 1.19%
ROE 6.6%
ROIC 6.02%
ROA(3y)3.07%
ROA(5y)3.57%
ROE(3y)17.47%
ROE(5y)21.42%
ROIC(3y)9.46%
ROIC(5y)9.27%
37C.DE Yearly ROA, ROE, ROIC37C.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

1.3 Margins

  • 37C has a Profit Margin (2.82%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of 37C has declined.
  • 37C has a Operating Margin of 16.45%. This is amongst the best in the industry. 37C outperforms 89.72% of its industry peers.
  • In the last couple of years the Operating Margin of 37C has grown nicely.
  • 37C has a Gross Margin of 31.53%. This is in the lower half of the industry: 37C underperforms 65.42% of its industry peers.
  • In the last couple of years the Gross Margin of 37C has grown nicely.
Industry RankSector Rank
OM 16.45%
PM (TTM) 2.82%
GM 31.53%
OM growth 3Y-2.15%
OM growth 5Y5.76%
PM growth 3Y-31.1%
PM growth 5YN/A
GM growth 3Y3.21%
GM growth 5Y5.14%
37C.DE Yearly Profit, Operating, Gross Margins37C.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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2

2. 37C.DE Health Analysis

2.1 Basic Checks

  • 37C has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, 37C has less shares outstanding
  • 37C has less shares outstanding than it did 5 years ago.
  • 37C has about the same debt/assets ratio as last year.
37C.DE Yearly Shares Outstanding37C.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
37C.DE Yearly Total Debt VS Total Assets37C.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • Based on the Altman-Z score of 1.27, we must say that 37C is in the distress zone and has some risk of bankruptcy.
  • 37C has a Altman-Z score of 1.27. This is in the lower half of the industry: 37C underperforms 69.16% of its industry peers.
  • 37C has a debt to FCF ratio of 19.97. This is a negative value and a sign of low solvency as 37C would need 19.97 years to pay back of all of its debts.
  • 37C's Debt to FCF ratio of 19.97 is on the low side compared to the rest of the industry. 37C is outperformed by 66.36% of its industry peers.
  • A Debt/Equity ratio of 3.46 is on the high side and indicates that 37C has dependencies on debt financing.
  • With a Debt to Equity ratio value of 3.46, 37C is not doing good in the industry: 91.59% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.46
Debt/FCF 19.97
Altman-Z 1.27
ROIC/WACC0.8
WACC7.5%
37C.DE Yearly LT Debt VS Equity VS FCF37C.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B 25B

2.3 Liquidity

  • 37C has a Current Ratio of 1.21. This is a normal value and indicates that 37C is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of 37C (1.21) is worse than 70.09% of its industry peers.
  • A Quick Ratio of 0.47 indicates that 37C may have some problems paying its short term obligations.
  • 37C's Quick ratio of 0.47 is on the low side compared to the rest of the industry. 37C is outperformed by 91.59% of its industry peers.
Industry RankSector Rank
Current Ratio 1.21
Quick Ratio 0.47
37C.DE Yearly Current Assets VS Current Liabilites37C.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. 37C.DE Growth Analysis

3.1 Past

  • The earnings per share for 37C have decreased strongly by -50.91% in the last year.
  • The Earnings Per Share has been growing by 14.04% on average over the past years. This is quite good.
  • The Revenue has decreased by -8.78% in the past year.
  • 37C shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.13% yearly.
EPS 1Y (TTM)-50.91%
EPS 3Y-28.54%
EPS 5Y14.04%
EPS Q2Q%26.67%
Revenue 1Y (TTM)-8.78%
Revenue growth 3Y-8.41%
Revenue growth 5Y4.13%
Sales Q2Q%5.76%

3.2 Future

  • 37C is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.50% yearly.
  • Based on estimates for the next years, 37C will show a small growth in Revenue. The Revenue will grow by 3.19% on average per year.
EPS Next Y-21.29%
EPS Next 2Y16.2%
EPS Next 3Y25.96%
EPS Next 5Y22.5%
Revenue Next Year-3.18%
Revenue Next 2Y2.45%
Revenue Next 3Y4.32%
Revenue Next 5Y3.19%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
37C.DE Yearly Revenue VS Estimates37C.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B 20B 25B
37C.DE Yearly EPS VS Estimates37C.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.5 1 1.5

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3

4. 37C.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 20.30 indicates a rather expensive valuation of 37C.
  • 37C's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 24.88. 37C is around the same levels.
  • The Price/Forward Earnings ratio is 25.90, which means the current valuation is very expensive for 37C.
  • Based on the Price/Forward Earnings ratio, 37C is valued a bit more expensive than 70.09% of the companies in the same industry.
  • 37C is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.3
Fwd PE 25.9
37C.DE Price Earnings VS Forward Price Earnings37C.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 37C's Enterprise Value to EBITDA is on the same level as the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 37C indicates a somewhat cheap valuation: 37C is cheaper than 72.90% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.19
EV/EBITDA 10.49
37C.DE Per share data37C.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • 37C's earnings are expected to grow with 25.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)1.45
EPS Next 2Y16.2%
EPS Next 3Y25.96%

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5

5. 37C.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.48%, 37C has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 1.54, 37C pays a better dividend. On top of this 37C pays more dividend than 80.37% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, 37C pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.48%

5.2 History

  • The dividend of 37C is nicely growing with an annual growth rate of 114.43%!
Dividend Growth(5Y)114.43%
Div Incr YearsN/A
Div Non Decr YearsN/A
37C.DE Yearly Dividends per share37C.DE Yearly Dividends per shareYearly Dividends per share 2022 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • 37C pays out 65.29% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of 37C is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP65.29%
EPS Next 2Y16.2%
EPS Next 3Y25.96%
37C.DE Yearly Income VS Free CF VS Dividend37C.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B
37C.DE Dividend Payout.37C.DE Dividend Payout, showing the Payout Ratio.37C.DE Dividend Payout.PayoutRetained Earnings

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37C.DE Fundamentals: All Metrics, Ratios and Statistics

CNH INDUSTRIAL NV

FRA:37C (3/26/2026, 7:00:00 PM)

9.54

+0.03 (+0.32%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCapital Goods
GICS IndustryMachinery
Earnings (Last)02-17
Earnings (Next)04-29
Inst Owners72.34%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap11.84B
Revenue(TTM)18.09B
Net Income(TTM)510.00M
Analysts76
Price Target12.05 (26.31%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.48%
Yearly Dividend0.23
Dividend Growth(5Y)114.43%
DP65.29%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)23.93%
Min EPS beat(2)-40.39%
Max EPS beat(2)88.25%
EPS beat(4)3
Avg EPS beat(4)16.8%
Min EPS beat(4)-40.39%
Max EPS beat(4)88.25%
EPS beat(8)5
Avg EPS beat(8)7.93%
EPS beat(12)7
Avg EPS beat(12)6.17%
EPS beat(16)11
Avg EPS beat(16)8.03%
Revenue beat(2)2
Avg Revenue beat(2)11.13%
Min Revenue beat(2)10.76%
Max Revenue beat(2)11.51%
Revenue beat(4)4
Avg Revenue beat(4)10.55%
Min Revenue beat(4)8.01%
Max Revenue beat(4)11.93%
Revenue beat(8)8
Avg Revenue beat(8)7.8%
Revenue beat(12)12
Avg Revenue beat(12)5.59%
Revenue beat(16)16
Avg Revenue beat(16)6.53%
PT rev (1m)11.57%
PT rev (3m)3.89%
EPS NQ rev (1m)-78.91%
EPS NQ rev (3m)-80.23%
EPS NY rev (1m)-23.68%
EPS NY rev (3m)-29.06%
Revenue NQ rev (1m)-4.17%
Revenue NQ rev (3m)-8.16%
Revenue NY rev (1m)-2.21%
Revenue NY rev (3m)-3.18%
Valuation
Industry RankSector Rank
PE 20.3
Fwd PE 25.9
P/S 0.75
P/FCF 10.19
P/OCF 5.38
P/B 1.77
P/tB 4.51
EV/EBITDA 10.49
EPS(TTM)0.47
EY4.93%
EPS(NY)0.37
Fwd EY3.86%
FCF(TTM)0.94
FCFY9.81%
OCF(TTM)1.77
OCFY18.58%
SpS12.64
BVpS5.4
TBVpS2.11
PEG (NY)N/A
PEG (5Y)1.45
Graham Number7.56
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 6.6%
ROCE 8.18%
ROIC 6.02%
ROICexc 6.48%
ROICexgc 7.78%
OM 16.45%
PM (TTM) 2.82%
GM 31.53%
FCFM 7.41%
ROA(3y)3.07%
ROA(5y)3.57%
ROE(3y)17.47%
ROE(5y)21.42%
ROIC(3y)9.46%
ROIC(5y)9.27%
ROICexc(3y)10.65%
ROICexc(5y)10.66%
ROICexgc(3y)13.77%
ROICexgc(5y)15.01%
ROCE(3y)12.85%
ROCE(5y)12.58%
ROICexgc growth 3Y-16.74%
ROICexgc growth 5Y7.31%
ROICexc growth 3Y-15.17%
ROICexc growth 5Y6.69%
OM growth 3Y-2.15%
OM growth 5Y5.76%
PM growth 3Y-31.1%
PM growth 5YN/A
GM growth 3Y3.21%
GM growth 5Y5.14%
F-Score5
Asset Turnover0.42
Health
Industry RankSector Rank
Debt/Equity 3.46
Debt/FCF 19.97
Debt/EBITDA 7.42
Cap/Depr 190.46%
Cap/Sales 6.62%
Interest Coverage 2.04
Cash Conversion 70.38%
Profit Quality 262.75%
Current Ratio 1.21
Quick Ratio 0.47
Altman-Z 1.27
F-Score5
WACC7.5%
ROIC/WACC0.8
Cap/Depr(3y)199.46%
Cap/Depr(5y)192.44%
Cap/Sales(3y)5.81%
Cap/Sales(5y)6.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-50.91%
EPS 3Y-28.54%
EPS 5Y14.04%
EPS Q2Q%26.67%
EPS Next Y-21.29%
EPS Next 2Y16.2%
EPS Next 3Y25.96%
EPS Next 5Y22.5%
Revenue 1Y (TTM)-8.78%
Revenue growth 3Y-8.41%
Revenue growth 5Y4.13%
Sales Q2Q%5.76%
Revenue Next Year-3.18%
Revenue Next 2Y2.45%
Revenue Next 3Y4.32%
Revenue Next 5Y3.19%
EBIT growth 1Y-22.68%
EBIT growth 3Y-10.38%
EBIT growth 5Y10.13%
EBIT Next Year63.53%
EBIT Next 3Y52.55%
EBIT Next 5YN/A
FCF growth 1Y71.36%
FCF growth 3YN/A
FCF growth 5Y-18.29%
OCF growth 1Y28.96%
OCF growth 3Y65.79%
OCF growth 5Y-14.42%

CNH INDUSTRIAL NV / 37C.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CNH INDUSTRIAL NV?

ChartMill assigns a fundamental rating of 4 / 10 to 37C.DE.


What is the valuation status of CNH INDUSTRIAL NV (37C.DE) stock?

ChartMill assigns a valuation rating of 3 / 10 to CNH INDUSTRIAL NV (37C.DE). This can be considered as Overvalued.


How profitable is CNH INDUSTRIAL NV (37C.DE) stock?

CNH INDUSTRIAL NV (37C.DE) has a profitability rating of 5 / 10.


Can you provide the financial health for 37C stock?

The financial health rating of CNH INDUSTRIAL NV (37C.DE) is 2 / 10.


What is the earnings growth outlook for CNH INDUSTRIAL NV?

The Earnings per Share (EPS) of CNH INDUSTRIAL NV (37C.DE) is expected to decline by -21.29% in the next year.