CNHI

What You Should Know

CNH Industrial N.V. manufactures agricultural and construction equipment through brands such as Case IH and New Holland, and also runs CNH Industrial Capital, a substantial captive-finance business that lends to dealers and customers. The equipment-manufacturing lines are clearly permissible, but the financing arm generates meaningful interest income and adds interest-bearing debt on a consolidated basis. Because interest income as a share of total revenue can sit near or above the 5% threshold and total debt / market cap is inflated by the finance business, the stock is best treated as doubtful pending confirmation of the financing-segment ratios on the latest filings; any compliant position requires purification of the interest-attributable portion of returns.