CNH Industrial NV (NYSE: CNH) is an agricultural and construction equipment company that develops, manufactures, and sells equipment under its core industrial segments. Revenue comes from equipment sales to end customers and dealers, supplemented by a Financial Services segment that provides retail financing for customers purchasing or leasing new and used CNH equipment, wholesale financing to dealers, and other financial products. CNH operates industrial, commercial, and financial services subsidiaries in 32 countries with a commercial presence in approximately 166 countries, as disclosed in its 10-K filed 2026-02-26. The company pursues what it calls an "Iron + Tech" strategy, directing investment toward precision agriculture, automation, connectivity, and autonomy. Financial Services generates a distinct, recurring revenue stream tied directly to equipment unit sales volume, creating some dependency between industrial and financial results.

Revenue model

Equipment sales (agricultural and construction machinery) to end customers and dealers; Financial Services segment revenue from retail financing, leasing, and wholesale dealer financing.

Products and services

Agricultural equipment, construction equipment, retail financing for new and used equipment, dealer wholesale financing, leasing programs.

Customers and end markets

Agricultural end customers (farmers), construction end customers, and equipment dealers globally; dealers also served as wholesale financing customers through Financial Services.

Value-chain role

Original equipment manufacturer (OEM) and captive financial services provider; sells through a global dealer network.

Geographic exposure

Subsidiaries in 32 countries; commercial presence in approximately 166 countries (as disclosed in 10-K filed 2026-02-26).

Source: SEC 10-K, filed 2026-02-26

Industry: Construction Machinery & Equip