Core Insights - CNH Industrial reported a revenue of $4.4 billion for the quarter ended September 2025, reflecting a decline of 5.5% year-over-year, with EPS at $0.08 compared to $0.24 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate of $4.3 billion by 2.21%, while the EPS fell short of the consensus estimate of $0.13 by 38.46% [1] Revenue Performance - Agriculture Sales in North America were $1 billion, below the estimated $1.12 billion, marking a year-over-year decline of 28.7% [4] - Agriculture Sales in Europe, the Middle East, and Africa reached $1.05 billion, surpassing the average estimate of $908.39 million, with a year-over-year increase of 16% [4] - Agriculture Sales in South America totaled $513 million, below the average estimate of $553.48 million, representing an 11.9% decline year-over-year [4] - Construction Sales in Asia Pacific were $42 million, slightly above the estimated $40.74 million, with no change year-over-year [4] - Construction Sales in North America reached $400 million, exceeding the average estimate of $329.41 million, reflecting an 11.7% year-over-year increase [4] - Construction Sales in Europe, the Middle East, and Africa were $191 million, above the average estimate of $150.4 million, with a year-over-year increase of 26.5% [4] Overall Financial Metrics - Net Sales amounted to $3.7 billion, slightly above the estimated $3.65 billion, but down 7.4% year-over-year [4] - Finance, interest, and other income were reported at $697 million, exceeding the estimate of $660.15 million, with a year-over-year increase of 6.1% [4] - Total Industrial Activities in Construction generated $739 million, surpassing the average estimate of $654.61 million, reflecting a year-over-year increase of 7.6% [4] - Total Industrial Activities in Agriculture reported $2.96 billion, slightly below the average estimate of $2.97 billion, with a year-over-year decline of 10.5% [4] - Total Industrial Activities revenue was $3.74 billion, exceeding the estimate of $3.65 billion, but down 7.1% year-over-year [4] - Financial Services revenue reached $684 million, above the estimate of $659.22 million, with a year-over-year increase of 3.8% [4] Stock Performance - CNH shares have returned -2.2% over the past month, compared to a -0.2% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]