NASDAQ · STOCK
CNH Industrial
$10.26
52W $9.00 – $13.31
52/100
$12.71B
33.2
1.21
Is CNH Bullish or Bearish?
Mixed.
Innellis AI committee rates CNH Industrial (CNH) Watch with a composite score of 52/100
, based on 7 analysts with 71% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.80 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -12.20 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+1.00 across 3 articles, 14d). Growth Analyst remains cautious — revenue declining -4.0% yoy -- this is not a growth story right now. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 1.5x is a discount to asset value — Value
- MACD histogram positive -- bullish momentum — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+1.00 across 3 articles, 14d) — News
Bear Case
- P/E of 33.2 is moderate-to-rich — Value
- ROE of only 5.0% -- cheap may mean cheap for a reason — Value
- Debt-to-equity of 3.46 adds balance-sheet risk to the value case — Value
- Revenue declining -4.0% YoY -- this is not a growth story right now — Growth
- EPS declining -60.3% YoY despite any revenue growth — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
52/100
Agreement
71%
Analysts
7
Conviction
Contested
Sector Rank
Top 67%
of 158 Industrials peers
Value Analyst
neutral
46
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ Price-to-book of 1.5x is a discount to asset value
− P/E of 33.2 is moderate-to-rich
Growth Analyst
bearish
23
/ 100 · High confidence
Growth story is weak, decelerating, or inconsistent
− Revenue declining -4.0% YoY -- this is not a growth story right now
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
neutral
45
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 3.46) amplifies downside in a stress scenario
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
90
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+1.00 across 3 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 53.7 to 52.2.
- Committee agreement increased sharply from 43% to 71%.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, Technical Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: stance bullish->neutral.
- Value Analyst: +1 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
38.2
Neutral
MACD Histogram
-0.025
Bearish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Hh Hl
Support
$10.02
Resistance
$10.81
Bollinger %B
0.24
Inside Bands
Price vs Moving Averages
EMA 9
$10.65
Below
EMA 21
$10.65
Below
EMA 50
$10.64
Below
EMA 200
$10.85
Below
Fundamental Analysis
Valuation
75
Growth
51
Profitability
0
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
33.2×
P/B Ratio
1.64×
PEG Ratio
-0.53
Dividend Yield
0.01%
52W High
$13.31
52W Low
$9.00
Quality & Growth
ROE
6.6%
ROA
1.2%
Gross Margin
31.4%
Operating Margin
14.6%
Revenue Growth YoY
—
Debt / Equity
3.37
AI Fundamental Assessment
P/E ratio of 33.2 (rich relative to a 15-40x range); Price-to-book of 1.6x; PEG ratio of -0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.0%; Gross margin of 0.3%; Current ratio of 6.92 (healthy short-term liquidity); Debt-to-equity of 3.37; Free cash flow margin of 0.8% (thin cash generation); Free cash flow per share is positive (1.48); Most recent quarter beat estimates by 75.4%; 2 consecutive earnings beats; EPS growth decelerating (+137.5% -> -94.7% QoQ); Analyst estimates falling over recent quarters
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