Company Analysis

Cnh Industrial N.V. (CNH)

NYSE: CNH · Construction Machinery & Equip · filing with the SEC since 2013
Grade4.4
◀ Past 4.4● Present 3.9▶ Future 5.2
1 est.

The grade of Cnh Industrial N.V.

Nine metrics read from its own filings, by tense
Headline grade
4.4/10
◀ Past4.430% of the headline
● Present3.940% of the headline
▶ Future5.230% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.4/1030% of the headline grade · 3 of 3 filed

Surviving crises

as filed
6.9/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 69th percentile among 8 sector filers · read for itself

From the record

Cnh Industrial N.V.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
1.6/10

What has it actually done, year after year?

-3.6% a year over 10 filed years; profitable in 8 of 10.

weight 45% of this tense · 16th percentile among 8 sector filers · read for its customers

From the record

Cnh Industrial N.V.'s 10 filed years say what it did: revenue went from $25 billion in fiscal 2016 to $18 billion in fiscal 2025, down 3.6% a year; it rose in 5 of 9 years; the deepest fall was 50% from fiscal 2018 to fiscal 2020; net income was positive in 8 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-3.6%bottom 6% of its family
  • the share of years revenue rosebottom 19% of its family
  • the share of filed years with a profitbottom 31% of its family
  • the deepest fall from a revenue peak50.2%bottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
6.4/10

How has it treated the people who own it?

Share count shrank 2.8% a year. 27% of cash flow returned. Insiders: 1 sales, 4 purchases.

weight 22% of this tense · 64th percentile among 6 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Cnh Industrial N.V.'s diluted share count shrank about 2.8% a year, and dividends and buybacks returned about 27% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 4 purchases of their own stock on the open market in the year to 2026-09-30, buying about $700 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 21% of its family
  • cash returned against operating cash flowtop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.9/1040% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
4.0/10

Is it financially healthy right now?

ROE 7%: 7¢ of profit per shareholder dollar. Leverage 82%: owes 82¢ per asset dollar.

weight 45% of this tense · 40th percentile among 8 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Cnh Industrial N.V. earned about 7 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 13 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 82 cents per dollar of assets, and net share issuance: its share count shrank 0.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 6% of its family
  • return on equitytop 44% of its family
  • gross profit against assetsbottom 19% of its family
  • the share count against the year beforetop 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.8/10

How strong is its position in its industry?

bottom 48% of 8 in its family; net margin 2.8%.

weight 33% of this tense · 48th percentile among 8 sector filers · read for its customers

From the record

Cnh Industrial N.V.'s standing among 8 graded names in its industry family: revenue of $18 billion in fiscal 2025 ranks in the top 19% by size; a net margin of 2.8% ranks in the top 44%; revenue growth of -8.4% a year over the last 3 filed years ranks in the bottom 6% (its annual reports).

What it rests on

  • revenue against the family$18.09Btop 19% of its family
  • net margin2.8%top 44% of its family
  • three-year revenue growth-8.4%bottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
2.1/10

What are the people in charge doing?

SI estimate 2.1/10, confidence 35 of 100 (one part).

weight 22% of this tense · 21st percentile among 7 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 21% of 7 in its family; the record of its people begins on 2025-01-03 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.9 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2025-01-03 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.9 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 7 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Cnh Industrial N.V.'s leadership is put at 2.1 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 21% of 7 in its family; the record of its people begins on 2025-01-03 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.9 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.2/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
8.8/10

How much room does it have to grow?

top 12% of 8 in its family for room to expand.

weight 45% of this tense · 88th percentile among 8 sector filers · read for itself

From the record

Cnh Industrial N.V.'s room to grow, from the newest filed statements (fiscal 2025): cash of $2.6 billion against no long-term debt tagged leaves 6% of its assets as net cash, top 19% of its family; cash from operations less capital spending is 14% of revenue (top 6%); a gross margin of 31.5% (top 19%); research spending of 5.7% of revenue (top 6%) (its annual report).

What it rests on

  • cash less debt against assets6.0%top 19% of its family
  • cash from operations less capital spending against revenue14.0%top 6% of its family
  • gross margin31.5%top 19% of its family
  • research spending against revenue5.7%top 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
2.5/10

What could actually drive growth from here?

bottom 25% of 8 in its family for growth drivers.

weight 33% of this tense · 25th percentile among 8 sector filers · read for its customers

From the record

Cnh Industrial N.V.'s growth drivers, from the filed years to fiscal 2025: revenue grew -8.4% a year over the last three filed years against -3.6% over all 10, slowing (bottom 6% of its family); the newest year grew -8.8% (bottom 6%); research spending grew 5.8% a year (top 44%); capital spending grew -7.1% a year (bottom 31%) (its annual reports). Cnh Industrial N.V. reported 3 lines of business in fiscal 2025: Agriculture at $12 billion (69%), Construction at $3.0 billion (16%), Financial Services at $2.7 billion (15%); 0 of 3 grew against the year before (its annual report).

What it rests on

  • three-year growth against the whole span-4.8 points a yearbottom 6% of its family
  • the newest year's revenue growth-8.8%bottom 6% of its family
  • three-year growth of research spending5.8%top 44% of its family
  • three-year growth of capital spending-7.1%bottom 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
2.1/10

Did its newest year beat what its own record pointed to?

bottom 21% of 7 in its family for expectations against reality.

weight 22% of this tense · 21st percentile among 7 sector filers · read for its shareholders

From the record

Cnh Industrial N.V.'s newest year against its own record: revenue of $18 billion in fiscal 2025 came in 0.6% below the $18 billion its prior three years' pace pointed to (bottom 21% of its family); net income of $510 million against a prior three-year average of $1.9 billion (bottom 21%); a net margin of 2.8% against 8% before (bottom 21%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-0.6%bottom 21% of its family
  • net income against the prior three years' average-72%bottom 21% of its family
  • net margin against its prior average-5.2 pointsbottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CNH · research, not advice