Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CNH Industrial NVCNH +1.44%65 Debt-to-EBITDA is 12.04 as of Mar. 2026, which is 57% above its 10-year median of 7.67. GuruFocus rates CNH with a GF Score™ of 65/100 and a GF Value™ of $9.92 (Fairly Valued). The stock has 7 warning signs investors should review. Among 174 Farm & Heavy Construction Machinery companies, CNH Industrial NV ranks worse than 93.1% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for CNH Industrial NV's Debt-to-EBITDA or its related term are showing as below:
CNH'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 5.87 Med: 7.67 Max: 26.01
Current: 10.07
During the past 13 years, the highest Debt-to-EBITDA Ratio of CNH Industrial NV was 26.01. The lowest was 5.87. And the median was 7.67.
CNH's Debt-to-EBITDA is ranked worse than 93.1% of 174
companies
in the Farm & Heavy Construction Machinery industry
Industry Median: 1.67
vs CNH: 10.07
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
CNH Industrial NV Debt-to-EBITDA Related Terms
CNH Industrial NV Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CNH Industrial NV's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Farm & Heavy Construction Machinery subindustry, CNH Industrial NV's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CNH Industrial NV Debt-to-EBITDA vs Farm & Heavy Construction Machinery Industry
For the Farm & Heavy Construction Machinery industry and Industrials sector, CNH Industrial NV's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CNH Industrial NV's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
CNH Industrial NV (CNH) has a Debt-to-EBITDA of 12.04 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CNH Industrial NV. This is 57% above median its historical median of 7.67. Over the past decade, CNH Industrial NV's Debt-to-EBITDA has ranged from 5.87 to 26.01. According to the industry distribution chart, CNH Industrial NV ranks #162 out of 174 companies in the Farm & Heavy Construction Machinery industry, placing it in the top 93.1%.
Is CNH Industrial NV's Debt-to-EBITDA too high?
CNH Industrial NV's current Debt-to-EBITDA of 12.04 is 57% above median its 10-year median of 7.67. Over the past 10 years, this metric has ranged from a low of 5.87 to a high of 26.01. The Farm & Heavy Construction Machinery industry median Debt-to-EBITDA is 1.67. CNH Industrial NV's value of 12.04 is 621% above this industry median. Based on the distribution chart, CNH Industrial NV ranks #162 out of 174 companies in the Farm & Heavy Construction Machinery industry, which is in the bottom quartile relative to peers. Overall, CNH Industrial NV has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNH Industrial NV's Debt-to-EBITDA compare to OSK and AGCO?
According to the Farm & Heavy Construction Machinery industry distribution chart, CNH Industrial NV ranks #162 out of 174 companies for Debt-to-EBITDA. This places CNH Industrial NV in the lower half of its industry. The industry median Debt-to-EBITDA is 1.67. CNH Industrial NV's value of 12.04 is 621% above this benchmark. Historically, CNH Industrial NV's own Debt-to-EBITDA has ranged from 5.87 to 26.01 over the past decade. While the company's 10-year median is 7.67 vs. the industry median of 1.67, CNH Industrial NV has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Farm & Heavy Construction Machinery company?
The median Debt-to-EBITDA among Farm & Heavy Construction Machinery companies is 1.67, based on 174 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNH Industrial NV's current Debt-to-EBITDA of 12.04 is 621% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CNH Industrial NV. For the Farm & Heavy Construction Machinery industry, the median Debt-to-EBITDA is 1.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNH Industrial NV's current Debt-to-EBITDA is 12.04, which is 57% above median its own 10-year median of 7.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNH Industrial NV stock overvalued right now?
Based on GuruFocus' analysis, CNH Industrial NV (CNH) is currently considered Fairly Valued. The stock's GF Value™ is $9.92, compared to a current price of $10.57 — trading 6.6% above its estimated fair value. The current Debt-to-EBITDA is 12.04, which is 57% above median its 10-year median of 7.67 and 621% above the Farm & Heavy Construction Machinery industry median of 1.67. CNH Industrial NV's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For CNH Industrial NV (CNH), the current Debt-to-EBITDA is 12.04 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CNH Industrial NV (CNH) Overvalued in 2026?
Based on GuruFocus' analysis, CNH Industrial NV stock appears to be overvalued.
The current stock price of $10.57 is trading 6.6% above its estimated GF Value™ of $9.92.
GuruFocus considers CNH Industrial NV to be Fairly Valued.
Key valuation signals for CNH:
Debt-to-EBITDA: 12.04 (57% above median its 10-year median of 7.67)
GF Value™: $9.92 vs. price of $10.57 (6.6% above fair value)
Industry Position: 621% above the Farm & Heavy Construction Machinery median (#162 of 174)
No single metric tells the full story. See the CNH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNH Industrial is the world's second largest manufacturer of agricultural machinery (82% of industrial net sales) as well as a major player in construction equipment (18% of industrial net sales). Its Case and New Holland brands have served farmers for generations. Geographically, agricultural sales are 40% in North America, 32% in Europe, the Middle East, and Africa, 18% in South America, and 10% in Asia-Pacific. CNH's products are available through a robust independent dealer network, which includes over 2,600 dealer and distribution locations and reach into 164 countries. The construction business leverages over 400 dealers. The company's captive finance arm provides retail financing to its customers and wholesale financing to dealers to maintain inventory, thereby supporting sales.
65GF Score
Get the complete analysis for CNH
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CNH has been successfully added to your 
