📊 AI Stock Rating — Summary

CNH reported Q3 2025 revenue of $4.4 billion and a net income of $80 million, translating to an EPS of $0.06. Despite robust revenue, net margins are relatively thin at approximately 1.8%. Free cash flow was strong at $845 million, indicating effective cash generation despite an aggressive $1.668 billion in debt repayment. Year-on-year, the company has shown stable revenue growth, yet profitability remains constrained by higher expenses and net debt of approximately $24.5 billion. CNH's cash reserves stand at nearly $3 billion, providing some buffer. While there was a minor $55 million spend on stock repurchases, dividends paid was minimal at about $1 million. Analysts have set price targets between $11 and $13, suggesting potential market confidence. With net debt high relative to equity, leverage is a notable concern, though robust cash flow generation showcases operational resilience.

AI Score Breakdown

Revenue Growth — Score: 7/10

Reported stable revenue growth with $4.4 billion, showing resilience despite economic uncertainties. This indicates healthy demand and effective sales strategies.

Profitability — Score: 5/10

Net margin of 1.8% constrains overall profitability, primarily due to substantial debt servicing. EPS at $0.06 suggests challenges in scaling profitably.

Cash Flow Quality — Score: 8/10

Free cash flow of $845 million showcases robust cash generation capability. This capacity supports debt servicing and provides liquidity for future growth.

Leverage & Balance Sheet — Score: 4/10

With net debt significantly high at $24.5 billion, the leverage remains a concern despite substantial debt repayments. Equity stands at $7.8 billion, which demands attention.

Shareholder Returns — Score: 5/10

Minimal dividends offer limited returns. The flat market trend within the 1-year price change reflects stagnant investor gain, suggesting further action is needed for enhanced shareholder value.

Analyst Sentiment & Valuation — Score: 7/10

Analyst price targets ranging $11–$13 provide a moderate uplift from current valuations. The market outlook remains cautiously optimistic.

⚠ AI-generated — informational only, not financial advice.