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CNH Industrial CNH

CNH Industrial scores weak on business quality (2.2 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$11.39Oct 10, 2026
Business qualityWeak
Next earningsNov 5, 2026, before the open
Insiders, 90 daysQuiet

Why it matters

  1. What CNH Industrial does

    CNH Industrial makes agricultural and construction equipment, selling tractors and harvesters globally through dealer networks to farmers and builders.

  2. What it does best

    CNH builds specialized agricultural machinery anchored by a massive global dealer network. While revenue fell to $18.2B, its gross margin sits at 30.5%, showing pricing power on core equipment.

  3. The main risk

    Heavy debt loads create significant vulnerability. Total debt stands at $26.8B against just $2.6B in cash, leaving interest coverage at a thin 1.8x where earnings dips bite hard.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Operating margin sits at 14.7% with a net margin of 1.7%, constrained by high debt servicing costs that pressure the bottom line as scale shrinks.

MoatFair

Global dealer networks lock in farmers who cannot risk downtime during harvest. Gross margins sit in the middle of the pack at 31st percentile.

GrowthSlow

Revenue growth dropped 8.8% to $18.2B, extending a clear downward trend from past years when revenue exceeded $24B.

Financial healthWeak

Debt to equity of 3.5x and interest coverage of 1.8x leave little room for error, though free cash flow reached $611M: getting softer.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

No open market buys or unplanned sales by executives or directors.

Our sealed record on CNH

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is CNH a good business?

CNH Industrial scores weak on the Cluenex quality check (2.2 of 10), measured against its own industry. Profitability is weak, moat fair, growth slow and financial health weak.

Are insiders buying CNH?

In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.

When does CNH report earnings?

Nov 5, 2026, before the open.

For members

See CNH today

  • Today's verdict on CNH, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “CNH Industrial (CNH)”, https://cluenex.com/stocks/cnh/, data as of Oct 10, 2026.