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CNH Industrial N.V.

Industrials • CIK: 0001567094

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Market Cap
$11.51B
P/E (TTM)
23.1x
Rev Growth (TTM)
-8.8%
Net Margin (TTM)
2.8%
FCF Yield (TTM)
22.1%
FCF Margin (TTM)
14.0%

LATEST EARNINGS

Q4 FY2025
17 days ago
View source
Revenue
$2.72B
-1.9%
Net Income
$333.00M
-12.1%
EPS
$0.07
-50.0%
Net
1.7% -1.9%
  • Consolidated revenues increased 6% to $5.16 billion in Q4 FY2025 compared to Q4 FY2024.
  • Net sales of Industrial Activities increased 8% to $4.45 billion in Q4 FY2025 compared to Q4 FY2024.
  • Financial Services revenues increased 18% to $109 million in Q4 FY2025 compared to Q4 FY2024.
  • Industrial Free Cash Flow was $817 million in Q4 FY2025, an improvement from $848 million in Q4 FY2024.

Cash Flow Health

Free Cash Flow7/8 positive
TTM$2.5B
Q4 '25
$945M+43%
Q3 '25
$659M-15%
FCF Margin
TTM14.0%
Q4 '2518.3%+22%
Sector: 5.4%Top 25%
OCF Margin14.0%
OCF/NI4.98x
CapEx Coverage
FCF Yield22.1%
FCF Growth (2Y)+66%
Cash Conversion Cycle
151 days
DSO: 0+DIO: 151DPO: 0

Capital Allocation & Returns

Balanced
Total Shareholder YieldEst.
Est.2.7%
Div Yield2.7%
+
Est. Buyback11.6%

Balancing returns with reinvestment

Dividend & Payout Metrics
Dividend Yield (TTM)2.7%
FCF Payout Ratio12.3%
Free Cash Flow (TTM)$2.5B
Capital Return / FCF13.1%
Est. Dividends Paid (TTM)$312.1M
Estimated: Buyback data estimated from FCF. Actual repurchase data not available for this company.
Shows how management rewards shareholders

Operational Efficiency & Returns

Return on Invested CapitalTTM
22.3%
Moderate
+0.0% YoY-31.2%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
8.9%
8Q: 14.0%
Asset Turnover
0.42x
8Q: 0.43x
Leverage (1+D/E)
Asset & CapEx Efficiency
Fixed Asset Turn
8.61x
8Q:9.51x
-211.8%
Invested Cap Turn
2.52x
8Q:2.67x
-25.2%
Asset-based ROIC formula

QUARTERLY TRENDS

Last 8 quarters + TTM

MetricTTMQ4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024
Revenue
$18.1B
$5.2B17.2%
$4.4B6.6%
$4.7B23.1%
$3.8B21.5%
$4.9B4.8%
$4.7B15.2%
$5.5B13.9%
$4.8B
Operating Income
$2.8B
$719.0M25.3%
$574.0M30.3%
$823.0M19.4%
$689.0M23.5%
$901.0M2.7%
$877.0M19.4%
$1.1B10.6%
$984.0M
Net Income
$510.0M
$86.0M7.5%
$80.0M62.4%
$213.0M62.6%
$131.0M24.3%
$173.0M43.5%
$306.0M23.3%
$399.0M8.4%
$368.0M
Operating Cash Flow
$2.5B
$945.0M43.4%
$659.0M14.6%
$772.0M376.5%
$162.0M90.4%
$1.7B113.9%
$791.0M108.7%
$379.0M142.4%
$-894.0M
Free Cash Flow
$2.5B
$945.0M43.4%
$659.0M14.6%
$772.0M376.5%
$162.0M90.4%
$1.7B113.9%
$791.0M108.7%
$379.0M142.4%
$-894.0M
Total Equity
N/A

Valuation Analysis

Fair Value
Price-to-EarningsTTM
23.1x
Volatile
8Q: 78.6x+12278%
Multiple expansion without fundamental improvement
Valuation Lenses
Earnings
23.1x
vs sector
Cash Flow
3.3x
EV/FCF vs
Growth-Adj
PEG
N/A
Quality-Adj
1.0P/E per %ROIC
ROIC: 22.3%
Shareholder Returns
Dividend
2.7%
Buyback
Total Yield
2.7%
Market Cap$11.51B
EV$8.50B
Multi-angle valuation analysis with sector context

Business Quality & Moat

Overall Quality Score
78/100
High Quality

Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)

Returns on Capital

Return on Equity (ROE)
8Q:
Return on Invested Capital (ROIC)Top 25%
22.3%
8Q:
-31.2%
vs Sector:0.1%

DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)

NOPAT Margin: 8.9%
Asset Turnover: 0.42x

Earnings Quality

Cash Conversion

4.98x

OCF / Net Income

FCF Consistency

Positive quarters

Competitive Moat Indicators

Pricing Power

Gross Margin31.5%

Capital Efficiency

Invested Capital Turnover2.52x

Working Capital

Cash Conversion Cycle151 days

Growth Quality & Momentum

Moderate Growth
Growth Quality Score
51/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%

Growth Rates

Revenue Growth YoY
-8.8%
OpInc Growth YoY
-20.2%
EPS Growth YoY
-59.6%
FCF 3Y CAGR
65.8%

Growth Quality Analysis

Efficient Growth: Free cash flow growing faster than revenue

Margin Quality & Sustainability

Low Quality
Profitability Cascade
Gross
31.5%
Operating
15.5%
Top 25% in sector
Net
2.8%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
FCF vs Net Gap
+11.2 pts
FCF: 14.0% | Net: 2.8%

Quality = stability + cash conversion + low dilution

Balance Sheet & Solvency

Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $3.23B
Interest Coverage
+Net cash position: $3.23B
Leverage Metrics
Debt-to-Equity
x
Balance sheet risk & solvency analysis