Form 8-K - Current report

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 7, 2024

CNH INDUSTRIAL N.V.

(Exact name of registrant as specified in its charter)

Netherlands

001-36085

98-1125413

(State or other jurisdiction of incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)


Cranes Farm Road, Basildon, Essex, SS14 3AD, United Kingdom						N/A
(Address of principal executive offices)						(Zip Code)

+44 2079 251964

Registrant’s telephone number including area code

N/A

(Former name, former address and former fiscal year, if changed since last report):

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Shares, par value €0.01

CNH

New York Stock Exchange

3.850% Notes due 2027

CNH27

New York Stock Exchange

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Exchange Act of 1934(§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On November 7, 2024, CNH Industrial N.V. issued a press release announcing its results of operations for the third quarter of 2024. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01. Regulation FD Disclosure.

On November 7, 2024, CNH Industrial N.V. made available a presentation providing a review and highlights of its third quarter of 2024 results of operations and related information, which is being made available in connection with a November 8, 2024 investor conference call. A copy of that slide presentation is furnished herewith as Exhibit 99.2 and is incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.


Exhibit 99.1			CNH Industrial’s press release dated November 7, 2024, announcing its results of operations for the third quarter of 2024
Exhibit 99.2			CNH Industrial N.V. third quarter 2024 results review presentation
Exhibit 104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.


		CNH INDUSTRIAL N.V.

	By:	/s/ Roberto Russo
	Name:	Roberto Russo
	Title:	Chief Legal and Compliance Officer
Date: November 7, 2024

Exhibit 99.1

CNH Industrial N.V. Reports Third Quarter 2024 Results

Third quarter consolidated revenue declined 22% on lower industry demand

Third quarter diluted EPS at $0.24

Results reflect continued execution of cost savings initiatives partially offsetting the market headwinds

Full year 2024 guidance lowered to reflect continued weak end markets and elevated channel inventory levels

Basildon, UK - November 7, 2024 - CNH Industrial N.V. (NYSE: CNH) today reported results for the three months ended September 30, 2024, with net income of $310 million and diluted earnings per share of $0.24 compared with net income of $540 million and diluted earnings per share of $0.40 for the three months ended September 30, 2023(7). Consolidated revenues were $4.65 billion (down 22% compared to Q3 2023) and Net sales of Industrial Activities were $4.00 billion (down 25% compared to Q3 2023). Net cash provided by operating activities was $791 million and Industrial Free Cash Flow absorption was $180 million in Q3 2024.

“With the current challenging market conditions facing farmers across the globe, CNH is implementing decisions to advance our transformation journey. We have focused on making the Company’s operations more efficient and on being more responsive to our customers’ needs. But dealer inventories remain elevated and will require additional efforts to align with retail demand. As we further adjust production levels while making investments in technology and quality-improving processes, we are positioning ourselves for the long term and cementing our leading position in the industry. We look forward to sharing more details of our strategy at our investor day on May 8, 2025.”

Gerrit Marx, Chief Executive Officer

2024 Third Quarter Results

(all amounts $ million, comparison vs Q3 2023 - unless otherwise stated)

Please note that in this and in the following tables and commentary, prior periods have been revised to reflect an immaterial correction to the financial statements. See note 7 for further details and a reconciliation to previously reported amounts.


US-GAAP
	Q3 2024	Q3 2023(7)	Change	Change at c.c.(1)
Consolidated revenue	4,654	5,986	(22)%	(21)%
of which Net sales of Industrial Activities	3,997	5,332	(25)%	(24)%
Net income	310	540	(43)%
Diluted EPS $	0.24	0.40	(0.16)
Cash flow provided (used) by operating activities	791	232	+559
Cash and cash equivalents(2)	1,801	4,322	(2,521)
Gross profit margin of Industrial Activities	21.7%	23.9%	(220) bps


NON-GAAP(3)
	Q3 2024	Q3 2023(7)	Change
Adjusted EBIT of Industrial Activities	336	627	(46)%
Adjusted EBIT margin of Industrial Activities	8.4%	11.8%	(340) bps
Adjusted net income	304	540	(44)%
Adjusted diluted EPS $	0.24	0.40	(0.16)
Free cash flow of Industrial Activities	(180)	(127)	(53)

The decline in Net sales of Industrial Activities is mainly due to lower shipments on decreased industry demand and reduced dealer inventory requirements.

Adjusted net income was $304 million with adjusted diluted earnings per share of $0.24. In comparison, in Q3 2023, adjusted net income was $540 million with adjusted diluted earnings per share of $0.40. The decrease in adjusted net income is primarily due to the lower shipment volumes in Agriculture and Construction.

Income tax expense was $75 million ($171 million in Q3 2023), and the effective tax rate (ETR) was 20.8% (25.8% in Q3 2023) with an adjusted ETR(3) of 20.7% for the third quarter (25.7% in Q3 2023). The Company forecasts full year 2024 adjusted ETR to be in the range of 22-24%(6).

Cash flow provided by operating activities in the quarter was $791 million ($232 million provided in Q3 2023). Free cash flow of Industrial Activities was an outflow of $180 million, consistent with the seasonality of working capital in the third quarter.


Agriculture
($ million)	Q3 2024	Q3 2023(7)	Change	Change at c.c.(1)
Net sales	3,310	4,384	(24)%	(24)%
Gross profit margin	22.7%	25.6%	(290) bps
Adjusted EBIT	336	642	(48)%
Adjusted EBIT margin	10.2%	14.6%	(440) bps

In North America, industry volume was down 18% year-over-year in the third quarter for tractors under 140 HP and was down 17% for tractors over 140 HP; combines were down 29%. In Europe, Middle East and Africa (EMEA), tractor and combine demand was down 20% and 50%, respectively. South America tractor and combine demand was down 12% and 32%, respectively, continuing the negative trend of previous quarters. Asia Pacific tractor demand was up 1%, while combine demand was down 33%.

Agriculture net sales decreased for the quarter by 24% to $3.31 billion, primarily due to lower shipment volumes on decreased industry demand, dealer inventory unit requirements across all regions and unfavorable net price realization due to enhanced retail actions.

Adjusted EBIT decreased to $336 million ($642 million in Q3 2023) driven by the lower industry volumes, partially offset by improved purchasing and manufacturing costs, and a continued reduction in SG&A expenses. R&D investments accounted for 6.0% of sales (5.5% in Q3 2023). Adjusted EBIT margin was 10.2% (14.6% in Q3 2023). The comparative prior quarter results have been revised to reflect an immaterial correction of $30 million for the accounting treatment related to highly inflationary accounting for our unconsolidated affiliate in Türkiye, TürkTraktör ve Ziraat Makineleri A.S.


Construction
($ million)	Q3 2024	Q3 2023	Change	Change at c.c.(1)
Net sales	687	948	(28)%	(26)%
Gross profit margin	16.6%	15.9%	+70 bps
Adjusted EBIT	40	60	(33)%
Adjusted EBIT margin	5.8%	6.3%	(50) bps

Global industry volume for construction equipment increased 1% year-over-year in the third quarter for Heavy construction equipment; Light construction equipment was down 9%. Aggregated demand decreased 16% in EMEA and 7% in North America, but increased 11% in South America and 3% in Asia Pacific.

Construction net sales decreased for the quarter by 28% to $687 million, due to lower volumes driven mainly by a decrease in market demand across all regions.

Adjusted EBIT decreased to $40 million ($60 million in Q3 2023) as a result of lower volumes and unfavorable net price realization, partially offset by improved product costs, better plant efficiencies and lower SG&A expenses. Adjusted EBIT margin was 5.8% (6.3% in Q3 2023).


Financial Services
($ million)	Q3 2024	Q3 2023	Change	Change at c.c.(1)
Revenue	659	653	+1%	+5%
Net income	78	86	(9)%
Equity at quarter-end	2,932	2,610	+322
Retail loan originations	2,841	3,043	(202)

Revenues of Financial Services increased 1% due to favorable volumes in all regions except EMEA and higher yields in North America; partially offset by decreased yields in South America due to product mix, and lower used equipment sales due to decreased operating lease maturities.

Net income was $78 million in the third quarter of 2024, a decrease of $8 million compared to the same quarter of 2023, primarily due to increased risk costs driven by higher delinquencies in South America, partially offset by higher volumes and interest margin improvements in most regions.

The managed portfolio (including unconsolidated joint ventures) was $29.0 billion as of September 30, 2024 (of which retail was 67% and wholesale was 33%), up $2.2 billion compared to September 30, 2023 (up $2.2 billion on a constant currency basis).

At September 30, 2024, the receivables balance greater than 30 days past due as a percentage of receivables was down sequentially to 2.2%, however was elevated from prior year (1.6% as of September 30, 2023) due to economic and environmental factors, specifically in South America.

2024 Outlook

The Company’s forecast of continued weak industry retail demand in both the agriculture and construction equipment markets, coupled with elevated dealer inventories is requiring lower production levels. CNH will further reduce production output to manage channel inventory while continuing its efforts to improve through-cycle margins with its successful cost reduction programs. Due to the lower productions levels, the Company is revising its segment net sales and margins and its EPS results. In addition, because of the adverse net working capital impact from lowering production levels, the Company is lowering its Industrial Free Cash Flow forecast. The updated Agriculture adjusted EBIT margin and adjusted diluted EPS outlook also reflect the revision for highly inflationary accounting.

CNH is updating its 2024 outlook as follows:

•Agriculture segment net sales(5) down between 22% and 23% year-over-year including currency translation effects (from down 15% to 20% previously)

•Agriculture segment adjusted EBIT margin between 10.5% and 11.5% (from between 13.0% and 14.0% previously); around 70 bps of the change relates to the accounting revision

•Construction segment net sales(5) down between 21% and 22% year-over-year including currency translation effects (from down 15% to 20% previously)

•Construction segment adjusted EBIT margin between 5.0% and 6.0% (unchanged)

•Free Cash Flow of Industrial Activities(6) an outflow of between $100 million to $300 million, down from the previous guidance of an inflow between $700 to $900 million, mainly due to decreased equipment deliveries and the lower production levels

•Adjusted diluted EPS(6) between $1.05 to $1.15 (from between $1.30 to $1.40 previously); around $0.08 of the change relates to the accounting revision

CNH will host an Investor Day on Thursday, May 8, 2025, to review its strategic initiatives and targets. The event will be held at the New York Stock Exchange and will be webcast on the CNH website. Additional details will be provided closer to the event date.

Results for the Nine Months Ended September 30, 2024

(all amounts $ million, comparison vs YTD Q3 2023 - unless otherwise stated)


US-GAAP
	YTD Q3 2024	YTD Q3 2023(7)	Change	Change at c.c.(1)
Consolidated revenue	14,960	17,895	(16)%	(16)%
of which Net sales of Industrial Activities	12,931	16,062	(19)%	(19)%
Net income	1,083	1,704	(36)%
Diluted EPS $	0.85	1.25	(0.40)
Cash flow provided (used) by operating activities	276	(608)	+884
Cash and cash equivalents(2)	1,801	4,322	(2,521)
Gross profit margin of Industrial Activities	22.4%	24.5%	(210) bps


NON-GAAP(3)
	YTD Q3 2024	YTD Q3 2023(7)	Change
Adjusted EBIT of Industrial Activities	1,210	1,972	(39)%
Adjusted EBIT margin of Industrial Activities	9.4%	12.3%	(290) bps
Adjusted net income	1,143	1,694	(33)%
Adjusted diluted EPS $	0.90	1.24	(0.34)
Free cash flow of Industrial Activities	(1,249)	(414)	(835)


Agriculture
	YTD Q3 2024	YTD Q3 2023(7)	Change	Change at c.c.(1)
Net sales	10,596	13,201	(20)%	(19)%
Gross profit margin	23.7%	26.3%	(260) bps
Adjusted EBIT	1,226	2,001	(39)%
Adjusted EBIT margin	11.6%	15.2%	(360) bps


Construction
	YTD Q3 2024	YTD Q3 2023	Change	Change at c.c.(1)
Net sales	2,335	2,861	(18)%	(18)%
Gross profit margin	16.8%	15.9%	+90 bps
Adjusted EBIT	151	176	(14)%
Adjusted EBIT margin	6.5%	6.2%	+30 bps

Financial Services

YTD Q3 2024

YTD Q3 2023

Change

Change at c.c.(1)

Revenue

2,031

1,805

+13%

+14%

Net income

287

258

+11%

Notes

CNH reports quarterly and annual consolidated financial results under U.S. GAAP and annual consolidated financial results under EU-IFRS. The tables and discussion related to the financial results of the Company and its segments shown in this press release are prepared in accordance with U.S. GAAP.

1.c.c. means at constant currency.

2.Comparison vs. December 31, 2023

3.This item is a non-GAAP financial measure. Refer to the “Non-GAAP Financial Information” section of this press release for information regarding non-GAAP financial measures. Refer to the specific table in the “Other Supplemental Financial Information” section of this press release for the reconciliation between the non-GAAP financial measure and the most comparable GAAP financial measure.

4.Certain financial information in this report has been presented by geographic area. Our geographical regions are: (a) North America; (b) Europe, Middle East and Africa (“EMEA”); (c) South America and (d) Asia Pacific. The geographic designations have the following meanings:

a.North America: United States, Canada, and Mexico;

b.Europe, Middle East, and Africa: member countries of the European Union, European Free Trade Association, the United Kingdom, Ukraine and Balkans, Russia, Türkiye, Uzbekistan, Pakistan, the African continent, and the Middle East;

c.South America: Central and South America, and the Caribbean Islands; and

d.Asia Pacific: Continental Asia (including the India subcontinent), Indonesia and Oceania.

5. Net sales reflecting the exchange rate of 1.09 EUR/USD.

6. The Company is unable to provide this reconciliation without unreasonable effort due to the uncertainty and inherent difficulty of predicting the occurrence, the financial impact, and the periods in which the adjustments may be recognized. For the same reasons, the Company is unable to address the probable significance of the unavailable information, which could be material to future results.

7. In connection with the preparation of our condensed consolidated financial statements for the three months ended September 30, 2024, we have revised prior periods’ results to reflect an immaterial correction for the accounting treatment related to highly inflationary accounting for our unconsolidated affiliate in Türkiye. CNH owns 37.5% of TürkTraktör ve Ziraat Makineleri A.S. (TTRAK.IS) and accounts for its ownership stake under the equity method. The functional currency of Türkiye-based TürkTraktör is the Turkish lira, and the Türkiye economy was deemed highly inflationary in 2022. CNH has determined that its translation criteria from Turkish lira into CNH’s functional currency of U.S. dollars resulted in an overstatement of CNH’s Equity in income of unconsolidated subsidiaries and affiliates by $96 million in 2023 and by $67 million in the first half of 2024. We have revised our GAAP and Non-GAAP results for all prior periods presented herein. See the supplemental financial information section below for a reconciliation of adjustments to prior reported results.

Non-GAAP Financial Information

CNH monitors its operations through the use of several non-GAAP financial measures. CNH’s management believes that these non-GAAP financial measures provide useful and relevant information regarding its operating results and enhance the readers’ ability to assess CNH’s financial performance and financial position. Management uses these non-GAAP measures to identify operational trends, as well as make decisions regarding future spending, resource allocations and other operational decisions as they provide additional transparency with respect to our core operations. These non-GAAP financial measures have no standardized meaning under U.S. GAAP and are unlikely to be comparable to other similarly titled measures used by other companies and are not intended to be substitutes for measures of financial performance and financial position as prepared in accordance with U.S. GAAP.

CNH’s non-GAAP financial measures are defined as follows:

•Adjusted EBIT of Industrial Activities under U.S. GAAP is defined as net income (loss) before the following items: Income taxes, Financial Services’ results, Industrial Activities’ interest expenses, net, foreign exchange gains/losses, finance and non-service component of pension and other post-employment benefit costs, restructuring expenses, and certain non-recurring items. In particular, non-recurring items are specifically disclosed items that management considers rare or discrete events that are infrequent in nature and not reflective of on-going operational activities.

•Adjusted EBIT Margin of Industrial Activities: is computed by dividing Adjusted EBIT of Industrial Activities by Net Sales of Industrial Activities.

•Adjusted Net Income (Loss): is defined as net income (loss), less restructuring charges and non-recurring items, after tax.

•Adjusted Diluted EPS: is computed by dividing Adjusted Net Income (loss) attributable to CNH Industrial N.V. by a weighted average number of common shares outstanding during the period that takes into consideration potential common shares outstanding deriving from the CNH share-based payment awards, when inclusion is not anti-dilutive. When we provide guidance for adjusted diluted EPS, we do not provide guidance on an earnings per share basis because the GAAP measure will include potentially significant items that have not yet occurred and are difficult to predict with reasonable certainty prior to year-end.

•Adjusted Income Tax (Expense) Benefit: is defined as income taxes less the tax effect of restructuring expenses and non-recurring items, and non-recurring tax charges or benefits.

•Adjusted Effective Tax Rate (Adjusted ETR): is computed by dividing a) adjusted income taxes by b) income (loss) before income taxes and equity in income of unconsolidated subsidiaries and affiliates, less restructuring expenses and non-recurring items.

•Net Cash (Debt) and Net Cash (Debt) of Industrial Activities: Net Cash (Debt) is defined as total debt less intersegment notes receivable, cash and cash equivalents, restricted cash, other current financial assets (primarily current securities, short-term deposits and investments towards high-credit rating counterparties) and derivative hedging debt. CNH provides the reconciliation of Net Cash (Debt) to Total (Debt), which is the most directly comparable measure included in the consolidated balance sheets. Due to different sources of cash flows used for the repayment of the debt between Industrial Activities and Financial Services (by cash from operations for Industrial Activities and by collection of financing receivables for Financial Services), management separately evaluates the cash flow performance of Industrial Activities using Net Cash (Debt) of Industrial Activities.

•Free Cash Flow of Industrial Activities (or Industrial Free Cash Flow): refers to Industrial Activities only, and is computed as consolidated cash flow from operating activities less: cash flow from operating activities of Financial Services; investments of Industrial Activities in assets sold under operating leases, property, plant and equipment and intangible assets; change in derivatives hedging debt of Industrial Activities; as well as other changes and intersegment eliminations.

•Change excl. FX or Constant Currency: CNH discusses the fluctuations in revenues on a constant currency basis by applying the prior year average exchange rates to current year’s revenues expressed in local currency in order to eliminate the impact of foreign exchange rate fluctuations.

The tables attached to this press release provide reconciliations of the non-GAAP measures used in this press release to the most directly comparable GAAP measures.

Forward-looking Statements

All statements other than statements of historical fact contained in this press release including competitive strengths; business strategy; future financial position or operating results; budgets; projections with respect to revenue, income, earnings (or loss) per share, capital expenditures, dividends, liquidity, capital structure or other financial items; costs; and plans and objectives of management regarding operations and products, are forward-looking statements. Forward-looking statements also include statements regarding the future performance of CNH and its subsidiaries on a standalone basis. These statements may include terminology such as “may”, “will”, “expect”, “could”, “should”, “intend”, “estimate”, “anticipate”, “believe”, “outlook”, “continue”, “remain”, “on track”, “design”, “target”, “objective”, “goal”, “forecast”, “projection”, “prospects”, “plan”, or similar terminology. Forward-looking statements are not guarantees of future performance. Rather, they are based on current views and assumptions and involve known and unknown risks, uncertainties and other factors, many of which are outside our control and are difficult to predict. If any of these risks and uncertainties materialize (or they occur with a degree of severity that the Company is unable to predict) or other assumptions underlying any of the forward-looking statements prove to be incorrect, including any assumptions regarding strategic plans, the actual results or developments may differ materially from any future results or developments expressed or implied by the forward-looking statements.

Factors, risks and uncertainties that could cause actual results to differ materially from those contemplated by the forward-looking statements include, among others: economic conditions in each of our markets, including the significant uncertainty caused by geopolitical events; production and supply chain disruptions, including industry capacity constraints, material availability, and global logistics delays and constraints; the many interrelated factors that affect consumer confidence and worldwide demand for capital goods and capital goods-related products, changes in government policies regarding banking, monetary and fiscal policy; legislation, particularly pertaining to capital goods-related issues such as agriculture, the environment, debt relief and subsidy program policies, trade and commerce and infrastructure development; government policies on international trade and investment, including sanctions, import quotas, capital controls and tariffs; volatility in international trade caused by the imposition of tariffs, sanctions, embargoes, and trade wars; actions of competitors in the various industries in which we compete; development and use of new technologies and technological difficulties; the interpretation of, or adoption of new, compliance requirements with respect to engine emissions, safety or other aspects of our products; labor relations; interest rates and currency exchange rates; inflation and deflation; energy prices; prices for agricultural commodities and material price increases; housing starts and other construction activity; our ability to obtain financing or to refinance existing debt; price pressure on new and used equipment; the resolution of pending litigation and investigations on a wide

range of topics, including dealer and supplier litigation, intellectual property rights disputes, product warranty and defective product claims, and emissions and/or fuel economy regulatory and contractual issues; security breaches, cybersecurity attacks, technology failures, and other disruptions to the information technology infrastructure of CNH and its suppliers and dealers; security breaches with respect to our products; our pension plans and other post-employment obligations; political and civil unrest; volatility and deterioration of capital and financial markets, including pandemics (such as the COVID-19 pandemic), terrorist attacks in Europe and elsewhere; the remediation of a material weakness; our ability to realize the anticipated benefits from our business initiatives as part of our strategic plan; including targeted restructuring actions to optimize our cost structure and improve the efficiency of our operations; our failure to realize, or a delay in realizing, all of the anticipated benefits of our acquisitions, joint ventures, strategic alliances or divestitures and other similar risks and uncertainties, and our success in managing the risks involved in the foregoing.

Forward-looking statements are based upon assumptions relating to the factors described in this press release, which are sometimes based upon estimates and data received from third parties. Such estimates and data are often revised. Actual results may differ materially from the forward-looking statements as a result of a number of risks and uncertainties, many of which are outside CNH’s control. CNH expressly disclaims any intention or obligation to provide, update or revise any forward-looking statements in this announcement to reflect any change in expectations or any change in events, conditions or circumstances on which these forward-looking statements are based.

Further information concerning CNH, including factors that potentially could materially affect its financial results, is included in the Company’s reports and filings with the U.S. Securities and Exchange Commission ("SEC").

All future written and oral forward-looking statements by CNH or persons acting on the behalf of CNH are expressly qualified in their entirety by the cautionary statements contained herein or referred to above.

Additional factors could cause actual results to differ from those expressed or implied by the forward-looking statements included in the Company’s filings with the SEC (including, but not limited to, the factors discussed in our 2023 Annual Report and subsequent quarterly reports).

Conference Call and Webcast

On November 8, at 11:30 a.m. EST (4:30 p.m. GMT / 5:30 p.m. CET), management will hold a conference call to present third quarter 2024 results to financial analysts and investors. The call can be followed live online at bit.ly/CNH_Q3_2024 and a recording will be available later on the Company’s website www.cnh.com.

CONTACTS

Media Inquiries – Laura Overall Tel +44 207 925 1964 or Rebecca Fabian Tel +1 312 515 2249

(Email mediarelations@cnh.com)

Investor Relations – Jason Omerza Tel +1 630 740 8079 or Federico Pavesi Tel +39 345 605 6218

(Email investor.relations@cnh.com)

CNH INDUSTRIAL N.V.

Consolidated Statements of Operations for the Three and Nine Months Ended September 30, 2024 and 2023

(Unaudited, U.S. GAAP)


	Three Months Ended September 30,				Nine Months Ended September 30,
($ million, except per share data)	2024		2023		2024		2023
Revenues
Net sales	$	3,997	$	5,332	$	12,931	$	16,062
Finance, interest and other income	657		654		2,029		1,833
Total Revenues	4,654		5,986		14,960		17,895
Costs and Expenses
Cost of goods sold	3,130		4,059		10,027		12,133
Selling, general and administrative expenses	426		462		1,298		1,385
Research and development expenses	221		266		686		766
Restructuring expenses	12		5		94		8
Interest expense	378		346		1,190		941
Other, net	127		186		449		536
Total Costs and Expenses	4,294		5,324		13,744		15,769

Income (loss) of Consolidated Group before Income Taxes	360		662		1,216		2,126
Income tax (expense) benefit	(75)		(171)		(247)		(536)
Equity in income (loss) of unconsolidated subsidiaries and affiliates	25		49		114		114
Net Income (loss)	310		540		1,083		1,704
Net income attributable to noncontrolling interests	4		3		10		11
Net Income (loss) attributable to CNH Industrial N.V.	$	306	$	537	$	1,073	$	1,693

Earnings (loss) per share attributable to CNH Industrial N.V.
Basic	$	0.24	$	0.40	$	0.85	$	1.27
Diluted	$	0.24	$	0.40	$	0.85	$	1.25
Weighted average shares outstanding (in millions)
Basic	1,251		1,332		1,255		1,337
Diluted	1,254		1,351		1,262		1,355

Cash dividends declared per common share	$	—	$	—	$	0.470	$	0.396

These Consolidated Statements of Operations should be read in conjunction with the Company’s Audited Consolidated Financial Statements and Notes for the Year Ended December 31, 2023 included in the Annual Report on Form 10-K. These Consolidated Statements of Operations represent the consolidation of all CNH Industrial N.V. subsidiaries.

CNH INDUSTRIAL N.V.

Consolidated Balance Sheets as of September 30, 2024 and December 31, 2023

(Unaudited, U.S. GAAP)


($ million)	September 30, 2024		December 31, 2023
Assets
Cash and cash equivalents	$	1,801	$	4,322
Restricted cash	649		723
Financing receivables, net	24,062		24,249
Financial receivables from Iveco Group N.V.	274		380
Inventories, net	5,930		5,545
Property, plant and equipment, net and equipment under operating lease	3,386		3,330
Intangible assets, net	4,866		4,906
Other receivables and assets	3,065		2,812
Total Assets	$	44,033	$	46,267
Liabilities and Equity
Debt	$	27,300	$	27,326
Financial payables to Iveco Group N.V.	48		146
Other payables and liabilities	8,916		10,645
Total Liabilities	36,264		38,117
Redeemable noncontrolling interest	57		54
Equity	7,712		8,096
Total Liabilities and Equity	$	44,033	$	46,267

These Consolidated Balance Sheets should be read in conjunction with the Company’s Audited Consolidated Financial Statements and Notes for the year ended December 31, 2023 included in the Annual Report on Form 10-K. These Consolidated Balance Sheets represent the consolidation of all CNH Industrial N.V. subsidiaries.

CNH INDUSTRIAL N.V.

Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2024 and 2023

(Unaudited, U.S. GAAP)


	Nine Months Ended September 30,
($ million)	2024		2023
Cash Flows from Operating Activities
Net income (loss)	$	1,083	$	1,704
Adjustments to reconcile net income to net cash provided (used) by operating activities:
Depreciation and amortization expense excluding assets under operating lease	315		276
Depreciation and amortization expense of assets under operating lease	139		140
(Gain) loss from disposal of assets	7		21
Undistributed (income) loss of unconsolidated subsidiaries	(31)		(63)
Other non-cash items	276		136
Changes in operating assets and liabilities:
Provisions	52		618
Deferred income taxes	(31)		(319)
Trade and financing receivables related to sales, net	482		(1,602)
Inventories, net	(256)		(1,443)
Trade payables	(1,217)		(101)
Other assets and liabilities	(543)		25
Net cash provided (used) by operating activities	276		(608)
Cash Flows from Investing Activities
Additions to retail receivables	(5,917)		(5,689)
Collections of retail receivables	4,840		4,308
Proceeds from sale of assets, net of assets sold under operating leases	1		1
Expenditures for property, plant and equipment and intangible assets, net of assets under operating lease	(330)		(401)
Expenditures for assets under operating lease	(381)		(384)
Other, net	10		123
Net cash provided (used) by investing activities	(1,777)		(2,042)
Cash Flows from Financing Activities
Net increase (decrease) in debt	293		1,962
Dividends paid	(600)		(531)
Other	(689)		(224)
Net cash provided (used) by financing activities	(996)		1,207
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	(98)		(1)
Net increase (decrease) in cash, cash equivalents and restricted cash	(2,595)		(1,444)
Cash, cash equivalents and restricted cash, beginning of year	5,045		5,129
Cash, cash equivalents and restricted cash, end of period	$	2,450	$	3,685

These Consolidated Statements of Cash Flows should be read in conjunction with the Company’s Audited Consolidated Financial Statements and Notes for the year ended December 31, 2023 included in the Annual Report on Form 10-K. These Consolidated Statements of Cash Flows represent the consolidation of all CNH Industrial N.V. subsidiaries.

CNH INDUSTRIAL N.V.

Supplemental Statements of Operations for the Three Months Ended September 30, 2024 and 2023

(Unaudited, U.S. GAAP)


	Three Months Ended September 30, 2024									Three Months Ended September 30, 2023
($ million)	Industrial Activities(1)		Financial Services		Eliminations			Consolidated		Industrial Activities(1)		Financial Services		Eliminations			Consolidated
Revenues
Net sales	$	3,997	$	—	$	—		$	3,997	$	5,332	$	—	$	—		$	5,332
Finance, interest and other income	27		659		(29)		(2)	657		49		653		(48)		(2)	654
Total Revenues	4,024		659		(29)			4,654		5,381		653		(48)			5,986
Costs and Expenses
Cost of goods sold	3,130		—		—			3,130		4,059		—		—			4,059
Selling, general and administrative expenses	313		113		—			426		398		64		—			462
Research and development expenses	221		—		—			221		266		—		—			266
Restructuring expenses	12		—		—			12		5		—		—			5
Interest expense	63		344		(29)		(3)	378		59		335		(48)		(3)	346
Other, net	11		116		—			127		47		139		—			186
Total Costs and Expenses	3,750		573		(29)			4,294		4,834		538		(48)			5,324
Income (loss) of Consolidated Group before Income Taxes	274		86		—			360		547		115		—			662
Income tax (expense) benefit	(62)		(13)		—			(75)		(137)		(34)		—			(171)
Equity in income (loss) of unconsolidated subsidiaries and affiliates	20		5		—			25		44		5		—			49
Net Income (loss)	$	232	$	78	$	—		$	310	$	454	$	86	$	—		$	540

(1) Industrial Activities represents the enterprise without Financial Services. Industrial Activities includes the Company’s Agriculture and Construction segments, and other corporate assets, liabilities, revenues and expenses not reflected within Financial Services.

(2) Elimination of Financial Services’ interest income earned from Industrial Activities.

(3) Elimination of Industrial Activities’ interest expense to Financial Services.

CNH INDUSTRIAL N.V.

Supplemental Statements of Operations for the Nine Months Ended September 30, 2024 and 2023

(Unaudited, U.S. GAAP)


	Nine Months Ended September 30, 2024									Nine Months Ended September 30, 2023
($ million)	Industrial Activities(1)		Financial Services		Eliminations			Consolidated		Industrial Activities(1)		Financial Services		Eliminations			Consolidated
Revenues
Net sales	$	12,931	$	—	$	—		$	12,931	$	16,062	$	—	$	—		$	16,062
Finance, interest and other income	98		2,031		(100)		(2)	2,029		153		1,805		(125)		(2)	1,833
Total Revenues	13,029		2,031		(100)			14,960		16,215		1,805		(125)			17,895
Costs and Expenses
Cost of goods sold	10,027		—		—			10,027		12,133		—		—			12,133
Selling, general and administrative expenses	1,029		269		—			1,298		1,219		166		—			1,385
Research and development expenses	686		—		—			686		766		—		—			766
Restructuring expenses	93		1		—			94		8		—		—			8
Interest expense	212		1,078		(100)		(3)	1,190		189		877		(125)		(3)	941
Other, net	94		355		—			449		109		427		—			536
Total Costs and Expenses	12,141		1,703		(100)			13,744		14,424		1,470		(125)			15,769
Income (loss) of Consolidated Group before Income Taxes	888		328		—			1,216		1,791		335		—			2,126
Income tax (expense) benefit	(192)		(55)		—			(247)		(447)		(89)		—			(536)
Equity in income (loss) of unconsolidated subsidiaries and affiliates	100		14		—			114		102		12		—			114
Net Income (loss)	$	796	$	287	$	—		$	1,083	$	1,446	$	258	$	—		$	1,704

(2) Elimination of Financial Services’ interest income earned from Industrial Activities.

(3) Elimination of Industrial Activities’ interest expense to Financial Services.

CNH INDUSTRIAL N.V.

Supplemental Balance Sheets as of September 30, 2024 and December 31, 2023

(Unaudited, U.S. GAAP)


	September 30, 2024									December 31, 2023
($ million)	Industrial Activities(1)		Financial Services		Eliminations			Consolidated		Industrial Activities(1)		Financial Services		Eliminations			Consolidated
Assets
Cash and cash equivalents	$	1,358	$	443	$	—		$	1,801	$	3,532	$	790	$	—		$	4,322
Restricted cash	98		551		—			649		96		627		—			723
Financing receivables, net	267		24,316		(521)		(2)	24,062		393		24,539		(683)		(2)	24,249
Financial receivables from Iveco Group N.V.	164		110		—			274		302		78		—			380
Inventories, net	5,886		44		—			5,930		5,522		23		—			5,545
Property, plant and equipment, net and equipment on operating lease	2,027		1,359		—			3,386		1,951		1,379		—			3,330
Intangible assets, net	4,703		163		—			4,866		4,739		167		—			4,906
Other receivables and assets	2,839		546		(320)		(3)	3,065		2,622		536		(346)		(3)	2,812
Total Assets	$	17,342	$	27,532	$	(841)		$	44,033	$	19,157	$	28,139	$	(1,029)		$	46,267
Liabilities and Equity
Debt	$	4,675	$	23,281	$	(656)	(2)	$	27,300	$	4,433	$	23,721	$	(828)	(2)	$	27,326
Financial payables to Iveco Group N.V.	3		45		—			48		6		140		—			146
Other payables and liabilities	7,827		1,274		(185)		(3)	8,916		9,357		1,489		(201)		(3)	10,645
Total Liabilities	12,505		24,600		(841)			36,264		13,796		25,350		(1,029)			38,117
Redeemable noncontrolling interest	57		—		—			57		54		—		—			54
Equity	4,780		2,932		—			7,712		5,307		2,789		—			8,096
Total Liabilities and Equity	$	17,342	$	27,532	$	(841)		$	44,033	$	19,157	$	28,139	$	(1,029)		$	46,267

(2) This item includes the elimination of receivables/payables between Industrial Activities and Financial Services.

(3) This item primarily represents the reclassification of deferred tax assets/liabilities in the same taxing jurisdiction and elimination of intercompany activity between Industrial Activities and Financial Services.

CNH INDUSTRIAL N.V.

Supplemental Statements of Cash Flows for the Nine Months Ended September 30, 2024 and 2023

(Unaudited, U.S. GAAP)


	Nine Months Ended September 30, 2024									Nine Months Ended September 30, 2023
($ million)	Industrial Activities(1)		Financial Services		Eliminations			Consolidated		Industrial Activities(1)		Financial Services		Eliminations			Consolidated
Cash Flows from Operating Activities
Net income (loss)	$	796	$	287	$	—		$	1,083	$	1,446	$	258	$	—		$	1,704
Adjustments to reconcile net income to net cash provided (used) by operating activities:
Depreciation and amortization expense, excluding assets under operating lease	312		3		—			315		273		3		—			276
Depreciation and amortization expense of assets under operating lease	6		133		—			139		6		134		—			140
(Gain) loss from disposal of assets, net	7		—		—			7		21		—		—			21
Undistributed (income) loss of unconsolidated subsidiaries	88		(14)		(105)		(2)	(31)		(47)		(12)		(4)		(2)	(63)
Other non-cash items, net	45		231		—			276		73		63		—			136
Changes in operating assets and liabilities:
Provisions	54		(2)		—			52		617		1		—			618
Deferred income taxes	17		(48)		—			(31)		(271)		(48)		—			(319)
Trade and financing receivables related to sales, net	(81)		565		(2)		(3)	482		(25)		(1,582)		5		(3)	(1,602)
Inventories, net	(468)		212		—			(256)		(1,722)		279		—			(1,443)
Trade payables	(1,154)		(65)		2		(3)	(1,217)		(56)		(40)		(5)		(3)	(101)
Other assets and liabilities	(507)		(36)		—			(543)		(174)		199		—			25
Net cash provided (used) by operating activities	(885)		1,266		(105)			276		141		(745)		(4)			(608)
Cash Flows from Investing Activities
Additions to retail receivables	—		(5,917)		—			(5,917)		—		(5,689)		—			(5,689)
Collections of retail receivables	—		4,840		—			4,840		—		4,308		—			4,308
Proceeds from sale of assets excluding assets sold under operating leases	1		—		—			1		1		—		—			1
Expenditures for property, plant and equipment and intangible assets excluding assets under operating lease	(329)		(1)		—			(330)		(397)		(4)		—			(401)
Expenditures for assets under operating lease	(27)		(354)		—			(381)		(26)		(358)		—			(384)
Other, net	206		(195)		(1)			10		460		(441)		104			123
Net cash provided (used) by investing activities	(149)		(1,627)		(1)			(1,777)		38		(2,184)		104			(2,042)
Cash Flows from Financing Activities
Net increase (decrease) in debt	226		67		—			293		(777)		2,739		—			1,962
Dividends paid	(600)		(105)		105		(2)	(600)		(531)		(4)		4		(2)	(531)
Other	(689)		(1)		1			(689)		(224)		104		(104)			(224)
Net cash provided (used) by financing activities	(1,063)		(39)		106			(996)		(1,532)		2,839		(100)			1,207
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash	(75)		(23)		—			(98)		1		(2)		—			(1)
Net increase (decrease) in cash and cash equivalents	(2,172)		(423)		—			(2,595)		(1,352)		(92)		—			(1,444)
Cash and cash equivalents, beginning of year	3,628		1,417		—			5,045		3,960		1,169		—			5,129
Cash and cash equivalents, end of period	$	1,456	$	994	$	—		$	2,450	$	2,608	$	1,077	$	—		$	3,685

(2) This item includes the elimination of dividends from Financial Services to Industrial Activities, which are included in Industrial Activities net cash provided (used) by operating activities.

(3) This item includes the elimination of certain minor activities between Industrial Activities and Financial Services.

Other Supplemental Financial Information

(Unaudited)


Adjusted EBIT of Industrial Activities by Segment
	Three Months Ended September 30,				Nine Months Ended September 30,
($ million)	2024		2023		2024		2023
Industrial Activities segments
Agriculture	$	336	$	642	$	1,226	$	2,001
Construction	40		60		151		176
Unallocated items, eliminations and other	(40)		(75)		(167)		(205)
Total Adjusted EBIT of Industrial Activities	$	336	$	627	$	1,210	$	1,972


Reconciliation of Consolidated Net Income under U.S. GAAP to Adjusted EBIT of Industrial Activities
	Three Months Ended September 30,				Nine Months Ended September 30,
($ million)	2024		2023		2024		2023
Net Income	$	310	$	540	$	1,083	$	1,704
Less: Consolidated income tax expense	(75)		(171)		(247)		(536)
Consolidated income before taxes	385		711		1,330		2,240
Less: Financial Services
Financial Services Net Income	78		86		287		258
Financial Services Income Taxes	13		34		55		89
Add back of the following Industrial Activities items:
Interest expense of Industrial Activities, net of Interest income and eliminations	36		10		114		36
Foreign exchange (gains) losses, net of Industrial Activities	8		21		12		27
Finance and non-service component of Pension and other post-employment benefit costs of Industrial Activities (1)	—		—		2		(2)
Adjustments for the following Industrial Activities items:
Restructuring expenses	12		5		93		8
Other discrete items(2)	(14)		—		1		10
Total Adjusted EBIT of Industrial Activities	$	336	$	627	$	1,210	$	1,972

(1) In the three and nine months ended September 30, 2024 and 2023, this item includes the pre-tax gain of $6 million and $18 million, respectively, as a result of the amortization over the 4 years of the $101 million positive impact from the 2021 U.S. healthcare plan modification.

(2) In the three months ended September 30, 2024 this item includes a gain of $14 million for investment fair value adjustments. In the nine months ended September 30, 2024 this item includes a loss of $15 million on the sale of certain non-core product lines and a gain of $14 million for investment fair value adjustments. In the three months ended September 30, 2023 this item did not include any discrete items. The nine months ended September 30, 2023 included a loss of $23 million related to the sale of CNH Industrial Russia and CNH Capital Russia businesses, partially offset by a gain of $13 million for the fair value remeasurement of Augmenta and Bennamann.

Other Supplemental Financial Information

(Unaudited)


Reconciliation of Total (Debt) to Net Cash (Debt) under U.S. GAAP
	Consolidated				Industrial Activities				Financial Services
($ million)	September 30, 2024		December 31, 2023		September 30, 2024		December 31, 2023		September 30, 2024		December 31, 2023
Third party (debt)	$	(27,300)	$	(27,326)	$	(4,412)	$	(4,132)	$	(22,888)	$	(23,194)
Intersegment notes payable	—		—		(263)		(301)		(393)		(527)
Financial payables to Iveco Group N.V.	(48)		(146)		(3)		(6)		(45)		(140)
Total (Debt)(1)	(27,348)		(27,472)		(4,678)		(4,439)		(23,326)		(23,861)
Cash and cash equivalents	1,801		4,322		1,358		3,532		443		790
Restricted cash	649		723		98		96		551		627
Intersegment notes receivable	—		—		393		527		263		301
Financial receivables from Iveco Group N.V.	274		380		164		302		110		78
Derivatives hedging debt	(2)		(41)		(22)		(34)		20		(7)
Net Cash (Debt)(2)	$	(24,626)	$	(22,088)	$	(2,687)	$	(16)	$	(21,939)	$	(22,072)

(1) Total (Debt) of Industrial Activities includes Intersegment notes payable to Financial Services of $263 million and $301 million as of September 30, 2024 and December 31, 2023, respectively. Total (Debt) of Financial Services includes Intersegment notes payable to Industrial Activities of $393 million and $527 million as of September 30, 2024 and December 31, 2023, respectively.

(2) The net intersegment receivable/(payable) balance recorded by Financial Services relating to Industrial Activities was $(130) million and $(226) million as of September 30, 2024 and December 31, 2023, respectively.


Reconciliation of Net Cash Provided (Used) by Operating Activities to Free Cash Flow of Industrial Activities under U.S. GAAP
Nine Months Ended September 30,					Three Months Ended September 30,
2024		2023		($ million)	2024		2023
$	276	$	(608)	Net cash provided (used) by Operating Activities	$	791	$	232
(1,161)		749		Cash flows from Operating Activities of Financial Services, net of eliminations	(839)		(141)
12		2		Change in derivatives hedging debt of Industrial Activities and other	13		(2)
(27)		(26)		Investments in assets sold under operating lease assets of Industrial Activities	(16)		(17)
(329)		(397)		Investments in property, plant and equipment, and intangible assets of Industrial Activities	(123)		(176)
(20)		(134)		Other changes(1)	(6)		(23)
$	(1,249)	$	(414)	Free cash flow of Industrial Activities	$	(180)	$	(127)

(1) This item primarily includes capital increases in intersegment investments and change in financial receivables.

Other Supplemental Financial Information

(Unaudited)


Reconciliation of Adjusted Net Income and Adjusted Income Tax (Expense) Benefit to Net Income (Loss) and Income Tax (Expense) Benefit and Calculation of Adjusted Diluted EPS and Adjusted ETR under U.S. GAAP
Nine Months Ended September 30,							Three Months Ended September 30,
2024			2023			($ million)	2024			2023
$	1,083		$	1,704		Net income (loss)	$	310		$	540
77			—			Adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates (a)	(8)			(1)
(17)			(10)			Adjustments impacting Income tax (expense) benefit (b)	2			1
$	1,143		$	1,694		Adjusted net income (loss)	$	304		$	540
$	1,133		$	1,683		Adjusted net income (loss) attributable to CNH Industrial N.V.	$	300		$	537
1,262			1,355			Weighted average shares outstanding – diluted (million)	1,254			1,351
0.90			1.24			Adjusted diluted EPS ($)	0.24			0.40

$	1,216		$	2,126		Income (loss) of Consolidated Group before income tax (expense) benefit	$	360		$	662
77			—			Adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates (a)	(8)			(1)
$	1,293		$	2,126		Adjusted income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates (A)	$	352		$	661

$	(247)		$	(536)		Income tax (expense) benefit	$	(75)		$	(171)
(17)			(10)			Adjustments impacting Income tax (expense) benefit (b)	2			1
$	(264)		$	(546)		Adjusted income tax (expense) benefit (B)	$	(73)		$	(170)

20.4		%	25.7		%	Adjusted Effective Tax Rate (Adjusted ETR) (C=B/A)	20.7		%	25.7		%

						a) Adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates
$	94		$	8		Restructuring expenses	$	12		$	5
(18)			(18)			Pre-tax gain related to the 2021 modification of a healthcare plan in the U.S.	(6)			(6)
—			17			Loss on sale of Industrial Activities, Russia Operations	—			—
—			6			Loss on sale of Financial Services, Russia Operations	—			—
15			—			Sale of certain non-core product lines	—			—
(14)			(13)			Investment fair value adjustments	(14)			—
$	77		$	—		Total	$	(8)		$	(1)

						b) Adjustments impacting Income tax (expense) benefit
$	(17)		$	(10)		Tax effect of adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates	$	2		$	1
—			—			Adjustment to valuation allowances on deferred tax assets	—			—
$	(17)		$	(10)		Total	$	2		$	1

Other Supplemental Financial Information

(Unaudited)

Revision of Prior Period Financial Statements: In connection with the preparation of our condensed consolidated financial statements for the three months ended September 30, 2024, we have revised prior periods’ results to reflect an immaterial correction for the accounting treatment related to highly inflationary accounting for our unconsolidated affiliate in Türkiye. CNH owns 37.5% of TürkTraktör ve Ziraat Makineleri A.S. (TTRAK.IS) and accounts for its ownership stake under the equity method. The functional currency of Türkiye-based TürkTraktör is the Turkish lira, and the Türkiye economy was deemed highly inflationary in 2022. CNH has determined that its translation criteria from Turkish lira into CNH’s functional currency of U.S. dollars resulted in an overstatement of CNH’s Equity in income of unconsolidated subsidiaries and affiliates by $96 million in 2023 and by $67 million in the first half of 2024. Impacts in 2022 were included in the 2023 amount. We have revised our GAAP and Non-GAAP results for all prior periods presented herein. Quarterly and annual impact of the revisions are as follows:

The prior period impacts to the Company’s consolidated statements of operations and the related impacts to the statements of consolidated comprehensive income are as follows.


	Three Months Ended September 30, 2023						Nine Months Ended September 30, 2023
($ million, except EPS)	Previously Reported		Revision Impacts		As Revised		Previously Reported		Revision Impacts		As Revised
Income (loss) of Consolidated Group before Income Taxes	$	662	$	—	$	662	$	2,126	$	—	$	2,126
Income tax expense	(171)		—		(171)		(536)		—		(536)
Equity in income of unconsolidated subsidiaries and affiliates	79		(30)		49		176		(62)		114
Net income (loss)	570		(30)		540		1,766		(62)		1,704
Net income (loss) attributable to noncontrolling interests	3		—		3		11		—		11
Net income (loss) attributable to CNH Industrial N.V.	$	567	$	(30)	$	537	$	1,755	$	(62)	$	1,693

Earnings per share attributable to common shareholders
Basic	$	0.43	$	(0.03)	$	0.40	$	1.31	$	(0.04)	$	1.27
Diluted	$	0.42	$	(0.02)	$	0.40	$	1.30	$	(0.05)	$	1.25

The prior period impacts to the Company's Consolidated Balance Sheets are as follows:


	December 31, 2023
($ million)	Previously Reported		Revision Impacts		As Revised
Assets
Investments in unconsolidated subsidiaries and affiliates(1)	563		(84)		479
Total Assets	$	46,351	$	(84)	$	46,267
Liabilities and Equity
Total Liabilities	38,117		—		38,117
Redeemable equity	54		—		54
Retained earnings	9,750		(96)		9,654
Accumulated other comprehensive loss	(2,374)		12		(2,362)
Total Equity	8,180		(84)		8,096
Total Liabilities and Equity	$	46,351	$	(84)	$	46,267

(1) Included in Other Receivables and Assets on the Consolidated Balance Sheets.

Other Supplemental Financial Information

(Unaudited)

The prior period impacts to the Company's Consolidated Statement of Cash Flows are as follows:


	Nine Months Ended September 30, 2023
($ million)	Previously Reported		Revision Impacts		As Revised
Cash Flows from Operating Activities
Net Income (loss)	$	1,766	$	(62)	$	1,704
Adjustments to reconcile net income (loss) to net cash provided (used) by operating activities:
Undistributed income of unconsolidated subsidiaries	(125)		62		(63)
Net cash provided (used) by operating activities	$	(608)	$	—	$	(608)

Other Supplemental Financial Information

(Unaudited)


($ million, except EPS)	Q1 2023			Q2 2023			Q3 2023			Q4 2023			FY 2023			Q1 2024			Q2 2024			H1 2024

Equity in income of unconsolidated subsidiaries and affiliates
As reported	$	33		$	64		$	79		$	98		$	274		$	77		$	79		$	156
Revision impacts	(15)			(17)			(30)			(34)			(96)			(33)			(34)			(67)
As revised	$	18		$	47		$	49		$	64		$	178		$	44		$	45		$	89

Net income (loss)
As reported	$	486		$	710		$	570		$	617		$	2,383		$	402		$	438		$	840
Revision impacts	(15)			(17)			(30)			(34)			(96)			(33)			(34)			(67)
As revised	$	471		$	693		$	540		$	583		$	2,287		$	369		$	404		$	773

Net income (loss) attributable to CNH Industrial N.V.
As reported	$	482		$	706		$	567		$	616		$	2,371		$	401		$	433		$	834
Revision impacts	(15)			(17)			(30)			(34)			(96)			(33)			(34)			(67)
As revised	$	467		$	689		$	537		$	582		$	2,275		$	368		$	399		$	767

Earnings per share attributable to CNH Industrial N.V. - Basic
As reported	$	0.36		$	0.53		$	0.43		$	0.47		$	1.78		$	0.32		$	0.34		$	0.66
Revision impacts	(0.01)			(0.02)			(0.03)			(0.03)			(0.07)			(0.03)			(0.02)			(0.05)
As revised	$	0.35		$	0.51		$	0.40		$	0.44		$	1.71		$	0.29		$	0.32		$	0.61

Earnings per share attributable to CNH Industrial N.V. - Diluted
As reported	$	0.35		$	0.52		$	0.42		$	0.46		$	1.76		$	0.31		$	0.34		$	0.66
Revision impacts	(0.01)			(0.01)			(0.02)			(0.02)			(0.07)			(0.02)			(0.02)			(0.05)
As revised	$	0.34		$	0.51		$	0.40		$	0.44		$	1.69		$	0.29		$	0.32		$	0.61

Adjusted net income(1)
As reported	$	475		$	711		$	570		$	557		$	2,313		$	421		$	485		$	906
Revision impacts	(15)			(17)			(30)			(34)			(96)			(33)			(34)			(67)
As revised	$	460		$	694		$	540		$	523		$	2,217		$	388		$	451		$	839

Adjusted diluted EPS(1)
As reported	$	0.35		$	0.52		$	0.42		$	0.42		$	1.70		$	0.33		$	0.38		$	0.71
Revision impacts	(0.01)			(0.01)			(0.02)			(0.03)			(0.07)			(0.03)			(0.03)			(0.05)
As revised	$	0.34		$	0.51		$	0.40		$	0.39		$	1.63		$	0.30		$	0.35		$	0.66

Adjusted EBIT of Industrial Activities(1)
As reported	$	555		$	822		$	657		$	696		$	2,730		$	405		$	536		$	941
Revision impacts	(15)			(17)			(30)			(34)			(96)			(33)			(34)			(67)
As revised	$	540		$	805		$	627		$	662		$	2,634		$	372		$	502		$	874

Adjusted EBIT margin of Industrial Activities(1)
As reported	11.6		%	13.8		%	12.3		%	11.6		%	12.4		%	9.8		%	11.2		%	10.5		%
Revision impacts	(0.3)		%	(0.3)		%	(0.5)		%	(0.6)		%	(0.5)		%	(0.8)		%	(0.7)		%	(0.7)		%
As revised	11.3		%	13.5		%	11.8		%	11.0		%	11.9		%	9.0		%	10.5		%	9.8		%

Other Supplemental Financial Information

(Unaudited)


($ million)	Q1 2023			Q2 2023			Q3 2023			Q4 2023			FY 2023			Q1 2024			Q2 2024			H1 2024

Adjusted EBIT of Agriculture(1)
As reported	$	570		$	821		$	672		$	669		$	2,732		$	421		$	536		$	957
Revision impacts	(15)			(17)			(30)			(34)			(96)			(33)			(34)			(67)
As revised	$	555		$	804		$	642		$	635		$	2,636		$	388		$	502		$	890

Adjusted EBIT Margin of Agriculture(1)
As reported	14.5		%	16.8		%	15.3		%	13.5		%	15.1		%	12.5		%	13.7		%	13.1		%
Revision impacts	(0.4)		%	(0.4)		%	(0.7)		%	(0.7)		%	(0.6)		%	(1.0)		%	(0.9)		%	(0.9)		%
As revised	14.1		%	16.4		%	14.6		%	12.8		%	14.5		%	11.5		%	12.8		%	12.2		%

(1) This is a non-GAAP financial measure. See reconciliation to the most comparable U.S. GAAP financial measure below.

The following table includes the reconciliation of Adjusted EBIT for Industrial Activities to net income, the most comparable U.S. GAAP financial measure:


($ million)	Q1 2023		Q2 2023		Q3 2023		Q4 2023		FY 2023		Q1 2024		Q2 2024		H1 2024

Net Income (loss) - as reported	$	486	$	710	$	570	$	617	$	2,383	$	402	$	438	$	840
Revision impacts	(15)		(17)		(30)		(34)		(96)		(33)		(34)		(67)
Net income (loss) - as revised	471		693		540		583		2,287		369		404		773
Less: Consolidated income tax expense	(173)		(192)		(171)		(58)		(594)		(77)		(95)		(172)
Consolidated income before taxes	644		885		711		641		2,881		446		499		945
Less: Financial Services
Financial Services Net Income	78		94		86		113		371		118		91		209
Financial Services Income Taxes	29		26		34		47		136		19		23		42
Add back of the following Industrial Activities items:
Interest expense of Industrial Activities, net of Interest income and eliminations	4		22		10		40		76		32		46		78
Foreign exchange (gains) losses, net of Industrial Activities	6		—		21		78		105		—		4		4
Finance and non-service component of Pension and other post-employment benefit costs of Industrial Activities	(1)		(1)		—		6		4		1		1		2
Adjustments for the following Industrial Activities items:
Restructuring expenses	1		2		5		57		65		30		51		81
Other discrete items	(7)		17		—		—		10		—		15		15
Total Adjusted EBIT of Industrial Activities	$	540	$	805	$	627	$	662	$	2,634	$	372	$	502	$	874

Other Supplemental Financial Information

(Unaudited)

The following table includes the reconciliation of adjusted net income to net income, the most comparable U.S. GAAP financial measure and a calculation of the revised adjusted diluted EPS:


($ million, except EPS)	Q1 2023		Q2 2023		Q3 2023		Q4 2023		FY 2023		Q1 2024		Q2 2024		H1 2024

Net income (loss) - as reported	$	486	$	710	$	570	$	617	$	2,383	$	402	$	438	$	840
Revision impacts	(15)		(17)		(30)		(34)		(96)		(33)		(34)		(67)
Net income (loss) - as revised	471		693		540		583		2,287		369		404		773
Adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates	(12)		13		(1)		53		53		25		60		85
Adjustments impacting Income tax (expense) benefit	1		(12)		1		(113)		(123)		(6)		(13)		(19)
Adjusted net income (loss)	460		694		540		523		2,217		388		451		839

Adjusted net income (loss) attributable to CNH Industrial N.V. - as reported	471		707		567		556		2,301		420		480		900
Revision impacts	(15)		(17)		(30)		(34)		(96)		(33)		(34)		(67)
Adjusted net income (loss) attributable to CNH Industrial N.V. - as revised	$	456	$	690	$	537	$	522	$	2,205	$	387	$	446	$	833
Weighted average shares outstanding – diluted (million)	1,359		1,355		1,351		1,334		1,350		1,274		1,260		1,267
Adjusted diluted EPS ($)	$	0.34	$	0.51	$	0.40	$	0.39	$	1.63	$	0.30	$	0.35	$	0.66

Q3 2024 RESULTS REVIEW November 8, 2024 Exhibit 99.2

Q3 2024 results review | Nov 8, 20242 SAFE HARBOR STATEMENT AND DISCLOSURES All statements other than statements of historical fact contained in this presentation including competitive strengths; business strategy; future financial position or operating results; budgets; projections with respect to revenue, income, earnings (or loss) per share, capital expenditures, dividends, liquidity, capital structure or other financial items; costs; and plans and objectives of management regarding operations and products, are forward-looking statements. Forward-looking statements also include statements regarding the future performance of CNH and its subsidiaries on a standalone basis. These statements may include terminology such as “may”, “will”, “expect”, “could”, “should”, “intend”, “estimate”, “anticipate”, “believe”, “outlook”, “continue”, “remain”, “on track”, “design”, “target”, “objective”, “goal”, “forecast”, “projection”, “prospects”, “plan”, or similar terminology. Forward-looking statements are not guarantees of future performance. Rather, they are based on current views and assumptions and involve known and unknown risks, uncertainties and other factors, many of which are outside our control and are difficult to predict. If any of these risks and uncertainties materialize (or they occur with a degree of severity that the Company is unable to predict) or other assumptions underlying any of the forward-looking statements prove to be incorrect, including any assumptions regarding strategic plans, the actual results or developments may differ materially from any future results or developments expressed or implied by the forward-looking statements. Factors, risks and uncertainties that could cause actual results to differ materially from those contemplated by the forward-looking statements include, among others: economic conditions in each of our markets, including the significant uncertainty caused by geopolitical events; production and supply chain disruptions, including industry capacity constraints, material availability, and global logistics delays and constraints; the many interrelated factors that affect consumer confidence and worldwide demand for capital goods and capital goods-related products, changes in government policies regarding banking, monetary and fiscal policy; legislation, particularly pertaining to capital goods-related issues such as agriculture, the environment, debt relief and subsidy program policies, trade and commerce and infrastructure development; government policies on international trade and investment, including sanctions, import quotas, capital controls and tariffs; volatility in international trade caused by the imposition of tariffs, sanctions, embargoes, and trade wars; actions of competitors in the various industries in which we compete; development and use of new technologies and technological difficulties; the interpretation of, or adoption of new, compliance requirements with respect to engine emissions, safety or other aspects of our products; labor relations; interest rates and currency exchange rates; inflation and deflation; energy prices; prices for agricultural commodities and material price increases; housing starts and other construction activity; our ability to obtain financing or to refinance existing debt; price pressure on new and used equipment; the resolution of pending litigation and investigations on a wide range of topics, including dealer and supplier litigation, intellectual property rights disputes, product warranty and defective product claims, and emissions and/or fuel economy regulatory and contractual issues; security breaches, cybersecurity attacks, technology failures, and other disruptions to the information technology infrastructure of CNH and its suppliers and dealers; security breaches with respect to our products; our pension plans and other post-employment obligations; political and civil unrest; volatility and deterioration of capital and financial markets, including pandemics (such as the COVID-19 pandemic), terrorist attacks in Europe and elsewhere; the remediation of a material weakness; our ability to realize the anticipated benefits from our business initiatives as part of our strategic plan; including targeted restructuring actions to optimize our cost structure and improve the efficiency of our operations; our failure to realize, or a delay in realizing, all of the anticipated benefits of our acquisitions, joint ventures, strategic alliances or divestitures and other similar risks and uncertainties, and our success in managing the risks involved in the foregoing. Forward-looking statements are based upon assumptions relating to the factors described in this presentation, which are sometimes based upon estimates and data received from third parties. Such estimates and data are often revised. Actual results may differ materially from the forward-looking statements as a result of a number of risks and uncertainties, many of which are outside CNH’s control. CNH expressly disclaims any intention or obligation to provide, update or revise any forward-looking statements in this announcement to reflect any change in expectations or any change in events, conditions or circumstances on which these forward-looking statements are based. Further information concerning CNH, including factors that potentially could materially affect its financial results, is included in the Company’s reports and filings with the U.S. Securities and Exchange Commission ("SEC"). All future written and oral forward-looking statements by CNH or persons acting on the behalf of CNH are expressly qualified in their entirety by the cautionary statements contained herein or referred to above. Additional factors could cause actual results to differ from those expressed or implied by the forward-looking statements included in the Company’s filings with the SEC (including, but not limited to, the factors discussed in our 2023 Annual Report and subsequent quarterly reports). Reconciliations of non-GAAP measures to the most directly comparable GAAP measure are included in this presentation, which is available on our website at www.cnh.com.

Q3 2024 results review | Nov 8, 20243 BASIS OF PRESENTATION Prior periods have been revised to reflect an immaterial correction to the financial statements  CNH accounts for its 37.5% ownership of Türkiye-based TürkTraktör ve Ziraat Makineleri A.S. (TTRAK.IS) under the equity method  TürkTraktör’s functional currency is the Turkish lira; the Turkish economy was deemed highly inflationary in 2022  CNH has determined that its translation from Turkish lira into US dollars under highly inflationary accounting resulted in an immaterial overstatement of CNH’s results  CNH has revised its previously reported results for FY 2023 and for H1 2024; see appendix for details of the non-cash revision impacts  As of Sept. 30, 2024, the market value CNH’s share of TürkTraktör was $775M, whereas the CNH book value after the revision was $150M

Q3 2024 results review | Nov 8, 20244 CEO OBSERVATIONS – MY FIRST QUARTER AT CNH MARKET DYNAMICS  Farmer sentiment remains muted  Low visibility on industry cycle  Very slow retail pace; inventory levels decreasing but still above our target INDUSTRIAL CAPABILITIES  Need more consistency in quality  Cost efficient capacity utilization at low production rates  Transforming our supply base through strategic sourcing and partnerships PRODUCT STRENGTH  Outstanding product portfolio  Impressive progress on tech  Full product launch pipeline HUMAN CAPITAL  Competent and passionate professionals across the organization  Working together as one team looking forward to writing the next chapter

Q3 2024 results review | Nov 8, 20245 Q3 2024 | MAIN ACHIEVEMENTS Continued cost reduction momentum New leadership team working closer to business priorities Strategic Sourcing supplier convention FieldOps commercial launch

Q3 2024 results review | Nov 8, 20246 Q3 2024 | RESULTS (1) Non-GAAP measures (definition and reconciliation in the appendix) Note: Prior period results have been revised; see details in the appendix Consolidated Revenues $4.7B (22)% Adj. EBIT1 Industrial Activities $336M (46)% Net Income $310M (43)% Diluted EPS $0.24 $(0.16) Net Sales Industrial Activities $4.0B (25)% (340) bps (44)% $(0.16) Adj. EBIT%1 Industrial Activities 8.4% Adjusted Net Income1 $304M Adjusted Diluted EPS1 $0.24 YoY vs Q3 2023

7 Q3 2024 results review | Nov 8, 2024 Declining industry retail demand and sentiment Lower production levels to address demand weakness Limited progress on dealer inventory reductions Additional focus on product quality programs Q3 2024 | BUSINESS HIGHLIGHTS

Q3 2024 results review | Nov 8, 20248 Q3 2024 | FINANCIAL HIGHLIGHTS (1) Non-GAAP measure (definition and reconciliation in the appendix) Note: Prior period results have been revised; see details in the appendix ($M) $0.40 $0.24 Q3 2023 Q3 2024 (127) (180) Q3 2023 Q3 2024 540 304 Q3 2023 Q3 2024 5,332 3,997 Q3 2023 Q3 2024 Net Sales Industrial Activities Free Cash Flow1 Industrial Activities Adjusted Diluted EPS1 Adjusted Net Income1 (25)% (44)% $(0.16) (53) Δ YoY

Q3 2024 results review | Nov 8, 20249 Q3 2024 | AGRICULTURE (1) Gross Margin calculated as Gross Profit divided by Net Sales, as shown in the appendix Note: Prior period results have been revised; see details in the appendix. Numbers may not add due to rounding. 4,384 3,310 Q3 2023 Q3 2024 Net Sales ($M) Gross Margin1 Adjusted EBIT (375) 62 46 40 (46)642 (33) 336 Q3 2023 Vol. & Mix Pricing, Net Prod. Cost SG&A R&D FX & Other Q3 2024 10.2% 14.6% (24)% (290) bps Δ YoY 25.6% 22.7% Q3 2023 Q3 2024

Q3 2024 results review | Nov 8, 202410 Q3 2024 | CONSTRUCTION (1) Gross Margin calculated as Gross Profit divided by Net Sales, as shown in the appendix Note: Numbers may not add due to rounding 948 687 Q3 2023 Q3 2024 Net Sales ($M) Gross Margin1 Adjusted EBIT (60) 37 13 3 (3)60 (10) 40 Q3 2023 Vol. & Mix Pricing, Net Prod. Cost SG&A R&D FX & Other Q3 2024 5.8% 6.3% (28)% +70 bps Δ YoY 15.9% 16.6% Q3 2023 Q3 2024

Q3 2024 results review | Nov 8, 202411 Q3 2024 | FINANCIAL SERVICES (1) Return on Assets defined as: EBIT / average managed assets annualized (2) Including unconsolidated JVs (3) At constant currency Q3 retail originations $2.8B, -$0.2B YoY Managed portfolio $29.0B, +$2.2B YoY (+$2.2B @ CC3) ($M) Managed Portfolio2 & Retail Originations2 Net Income Portfolio at Sept. 30, 2024 Retail Wholesale Operating Lease 62% 33% 5% 86 78 Q3 2023 Q3 2024 Delinquencies on Book (>30 Days) Profitability Ratios Gross Margin / Average Assets on Book RoA1 3.5% 3.0% 3.1% 2.2% 1.8% 1.3% 1.0% 2.0% 3.0% 4.0% Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 1.3% 1.6% 2.2% 1.0% 1.5% 2.0% 2.5% 3.0% Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24

Q3 2024 results review | Nov 8, 202412 COST REDUCTION ACTIONS Ongoing focus on both COGS and SG&A of Industrial Activities COGS SG&A2 2024 Actions & YtD Impact by Quarter1 ($M)  Logistics costs  Manufacturing efficiencies  Material cost control  Restructuring program  Careful discretionary spending management (1) Cumulative gross savings related to cost initiatives; excludes inflation or FX impacts (2) SG&A savings shown exclude 2024 variable compensation impacts Q1 Q2 Q3 Q4E 128 Q1 Q2 Q3 Q4E 105 ~300 ~180 25 45 Looking Ahead  $70-90M carryover benefit in 2025 from 2024 actions  Continued productivity improvement  Strategic Sourcing  $30-50M carryover benefit in 2025 from 2024 actions  Continued focus on budget discipline 213 150

Q3 2024 results review | Nov 8, 202413 CAPITAL ALLOCATION PRIORITIES ORGANIC GROWTH Support future growth through operating cash flow reinvestments BALANCE SHEET & CREDIT RATING Sustain healthy liquidity levels and investment grade credit rating SHAREHOLDER RETURNS Maintain a dedicated and consistent dividend and share repurchase policy INORGANIC GROWTH Retain option for disciplined and well-structured M&A

Q3 2024 results review | Nov 8, 202414 2024 OUTLOOK – AGRICULTURE (1) Regional split definition in the appendix (2) Reflects full-year €/$ exchange rate average of 1.09 Note: Prior period results have been revised; see details in the appendix North America EMEA South America APAC LHP Tractors (15)% – (10)% (15)% – (10)% (15)% – (10)% (5)% – flat HHP Tractors (20)% – (15)% Combines (25)% – (20)% (35)% – (30)% (35)% – (30)% flat – 5% Total Industry Unit Performance1 CNH Agriculture – Main Assumptions 18.1 2023 A 2024 E (23)-(22)% YoY Net Sales2: $B & Δ% YoY 14.5%2023 A 2024 E Adj. EBIT Margin 10.5-11.5% Total Industry Volume % change FY 2024 vs. FY 2023 reflecting the aggregate for key markets where the Company competes.

Q3 2024 results review | Nov 8, 202415 2024 OUTLOOK – CONSTRUCTION (1) Regional split definition in the appendix (2) Reflects full-year €/$ exchange rate average of 1.09 North America EMEA South America APAC Light (10)% – (5)% (20)% – (15)% flat – 5% ~flat Heavy (10)% – (5)% (10)% – (5)% flat – 5% flat – 5% Total Industry Unit Performance1 CNH Construction – Main Assumptions 3.9 2023 A 2024 E (22)-(21)% YoY 6.1%2023 A 2024 E Adj. EBIT Margin 5.0-6.0% Total Industry Volume % change FY 2024 vs. FY 2023 reflecting the aggregate for key markets where the Company competes. Net Sales2: $B & Δ% YoY

Q3 2024 results review | Nov 8, 202416 2024 OUTLOOK – FINANCIAL TARGETS (1) Reflects full-year €/$ exchange rate average of 1.09 (2) Non-GAAP measure (definition in the appendix) Note: Prior period results have been revised; see details in the appendix Industrial Activities previous current Net Sales1 (20)-(15)% YoY (23)-(22)% YoY Adj. EBIT margin2 10.0-11.0% 8.0-9.0% Free Cash Flow2 $700M-$900M ($300M)-($100M) Company previous current Adj. Diluted EPS2 $1.30-$1.40 $1.05-$1.15

Q3 2024 results review | Nov 8, 202417 Near Term  Price-conscious reduction of channel inventory  Taking orders for model year 2025 equipment  Cost containment & further process streamlining Looking Ahead  Monitor market indicators in a challenging industry environment  Matching production to retail demand by H2 2025  Continued investments in key technologies Incremental Margin Opportunities  Enhancing product quality through process improvements  Strategic sourcing & supply chain transformation  Manufacturing footprint & infrastructure realignment Save the date: Investor Day on May 8, 2025, at the NYSE PRIORITIES & OUTLOOK

APPENDIX

Q3 2024 results review | Nov 8, 202419 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q3 2024 | UNIT PERFORMANCE VS. Q3 2023 (1) Regional split definition in the slide “Geographic information” Note: Total Industry Volume % YoY change reflecting the aggregate for key markets where the Company competes NORTH AMERICA1 EMEA1 SOUTH AMERICA1 APAC1 0-140 HP – Small Tractors (18)% (20)% (12)% 1% 140+ HP – Large Tractors (17)% Combines (29)% (50)% (32)% (33)% Light (7)% (20)% 9% (3)% Heavy (9)% (9)% 12% 9%To ta l I n d u st ry C o m p an y Tractors Combines Light Heavy Company Inventory Dealer Inventory Retail Production

Q3 2024 results review | Nov 8, 202420 Q3 2023 Q3 2024 Δ YoY 9M 2023 9M 2024 Δ YoY U.S. GAAP Revenues 5,986 4,654 (22)% 17,895 14,960 (16)% Net Sales | Industrial Activities 5,332 3,997 (25)% 16,062 12,931 (19)% Net Income 540 310 (43)% 1,704 1,083 (36)% Diluted EPS $0.40 $0.24 $(0.16) $1.25 $0.85 $(0.40) Non-GAAP1 Net Sales | Industrial Activities at constant currency 5,332 4,052 (24)% 16,062 13,007 (19)% Adjusted EBIT | Industrial Activities 627 336 (46)% 1,972 1,210 (39)% Adjusted EBIT Margin | Industrial Activities 11.8% 8.4% (340) bps 12.3% 9.4% (290) bps Adjusted Effective Tax Rate 26% 21% (5) pp 26% 20% (6) pp Adjusted Net Income 540 304 (44)% 1,694 1,143 (33)% Weighted average shares outstanding - diluted – million 1,351 1,254 (7)% 1,355 1,262 (7)% Adjusted Diluted EPS $0.40 $0.24 $(0.16) $1.24 $0.90 $(0.34) Free Cash Flow | Industrial Activities (127) (180) (53) (414) (1,249) (835) Q3 / 9M 2024 | FINANCIAL SUMMARY (1) Non-GAAP measures: definitions in the slide “Non-GAAP Financial Measures”; reconciliations in “Reconciliations” section Note: Prior period results have been revised; see “Accounting Revision” section for details. Numbers may not add due to rounding. ($M)

Q3 2024 results review | Nov 8, 202421 Q3 2024 | INDUSTRIAL ACTIVITIES NET SALES (1) Net Sales | Excluding Other Activities, Unallocated Items and Adjustment & Eliminations (2) Δ YoY @CC means at constant currency Note: numbers may not add due to rounding Agriculture Construction Industrial Activities1 $3,310M $687M $3,997M (24)% YoY (24)% @CC2 (28)% YoY (26)% @CC2 (25)% YoY (24)% @CC2 By Region as reported By Region as reported By Region as reported 42% 27% 18% 13% 52% 22% 20% 6% 44% 26% 18% 12% 41% 27% 19% 13% 57% 21% 16% 6% 44% 26% 18% 11% By Product as reported By Product as reported By Segment as reported 63% 17% 20% 37% 62% 1% 83% 17% 56% 23% 21% 36% 62% 2% 82% 18% Q3 2023 Q3 2024 Agric. Constr. NA EMEA SA APAC Tractors Combines Others Heavy Light Others NA EMEA SA APAC NA EMEA SA APAC Q3 2024 mix Q3 2023 mix Q3 2024 mix Q3 2023 mix

Q3 2024 results review | Nov 8, 202422 9M 2024 | INDUSTRIAL ACTIVITIES NET SALES (1) Net Sales | Excluding Other Activities, Unallocated Items and Adjustment & Eliminations (2) Δ YoY @CC means at constant currency Note: numbers may not add due to rounding Agriculture Construction Industrial Activities1 $10,596M $2,335M $12,931M (20)% YoY (19)% @CC2 (18)% YoY (18)% @CC2 (19)% YoY (19)% @CC2 By Region as reported By Region as reported By Region as reported 43% 30% 15% 11% 56% 21% 17% 7% 45% 29% 16% 10% 39% 32% 18% 11% 56% 23% 15% 6% 42% 30% 18% 10% By Product as reported By Product as reported By Segment as reported 59% 17% 24% 39% 60% 1% 82% 18% 54% 24% 22% 35% 63% 2% 82% 18% 9M 2023 9M 2024 Agric. Constr. NA EMEA SA APAC Tractors Combines Others Heavy Light Others NA EMEA SA APAC NA EMEA SA APAC 9M 2024 mix 9M 2023 mix 9M 2024 mix 9M 2023 mix

Q3 2024 results review | Nov 8, 202423 Q3 / 9M 2024 | FINANCIALS BY SEGMENT (1) Non-GAAP measure: definition in the slide “Non-GAAP Financial Measures”; reconciliation in “Reconciliations” section Note: Prior period results have been revised; see “Accounting Revision” section for details. Numbers may not add due to rounding. Revenues & Net Sales Gross Profit Gross Margin Adj. EBIT1 Adj. EBIT Margin1 Q3 23 Q3 24 Q3 23 Q3 24 Q3 23 Q3 24 Q3 23 Q3 24 Q3 23 Q3 24 Agriculture 4,384 3,310 1,122 752 25.6% 22.7% 642 336 14.6% 10.2% Construction 948 687 151 114 15.9% 16.6% 60 40 6.3% 5.8% Elimination & Other - - - - - - (75) (40) - - Industrial Activities 5,332 3,997 1,273 866 23.9% 21.7% 627 336 11.8% 8.4% Financial Services 653 659 Elimination & Other 1 (2) CNH Industrial 5,986 4,654 ($M) 9M 23 9M 24 9M 23 9M 24 9M 23 9M 24 9M 23 9M 24 9M 23 9M 24 Agriculture 13,201 10,596 3,473 2,510 26.3% 23.7% 2,001 1,226 15.2% 11.6% Construction 2,861 2,335 456 393 15.9% 16.8% 176 151 6.2% 6.5% Elimination & Other - - - - - - (205) (167) - - Industrial Activities 16,062 12,931 3,929 2,903 24.5% 22.4% 1,972 1,210 12.3% 9.4% Financial Services 1,805 2,031 Elimination & Other 28 (2) CNH Industrial 17,895 14,960

Q3 2024 results review | Nov 8, 202424 Q3 2023 Q3 2024 9M 2023 9M 2024 Investments in property, plant and equipment, and intangible assets 176 123 397 329 Breakdown by Category New Product & Technology 31% 47% 35% 47% Maintenance & Other 63% 50% 57% 48% Industrial Capacity Expansion & LT Investments 6% 3% 8% 5% Breakdown by Segment Agriculture 87% 89% 87% 88% Construction 13% 11% 13% 12% Research and Development 266 221 766 686 Total spending (CapEx + R&D) in new products 216 201 615 592 Breakdown by Trend Digital 38% 40% 38% 42% Electric Vehicles and CNG-LNG 9% 8% 10% 7% Other New Program 53% 52% 52% 51% ($M) Q3 / 9M 2024 | CAPEX AND R&D Note: numbers may not add due to rounding

Q3 2024 results review | Nov 8, 202425 ($B) Outstanding Sept. 30, 2024 2024 2025 2026 2027 2028 Beyond 3.6 Bank Debt 1.1 0.6 0.6 0.3 0.2 0.8 11.6 Capital Market 1.0 2.8 2.5 1.9 0.8 2.7 0.1 Other Debt 0.1 - - - - - 15.3 Cash Portion of Debt Maturities 2.2 3.4 3.1 2.2 1.0 3.4 of which Industrial Activities 0.2 1.0 0.6 1.1 0.1 1.5 of which Financial Services 2.0 2.3 2.5 1.0 1.0 2.0 2.4 Cash & Cash Equivalents and Restricted Cash 0.6 of which restricted cash 0.2 Net Receivables / (Payables) with Iveco Group 5.2 Undrawn Committed credit lines 7.9 Total Available Liquidity DEBT MATURITY SCHEDULE | BREAKDOWN Note: numbers may not add due to rounding

ACCOUNTING REVISION

Q3 2024 results review | Nov 8, 202427 ACCOUNTING REVISION BY QUARTER (1/2) Note: Numbers may not add due to rounding Q1’23 Q2’23 Q3’23 Q4’23 FY 2023 Q1’24 Q2’24 H1 2024 Equity in income of unconsolidated subsidiaries and affiliates As reported 33 64 79 98 274 77 79 156 Revision (15) (17) (30) (34) (96) (33) (34) (67) As revised 18 47 49 64 178 44 45 89 Net income (loss) As reported 486 710 570 617 2,383 402 438 840 Revision (15) (17) (30) (34) (96) (33) (34) (67) As revised 471 693 540 583 2,287 369 404 773 Net income (loss) attributable to CNH Industrial N.V. As reported 482 706 567 616 2,371 401 433 834 Revision (15) (17) (30) (34) (96) (33) (34) (67) As revised 467 689 537 582 2,275 368 399 767 Earnings per share attributable to CNH Industrial N.V. – Basic As reported $0.36 $0.53 $0.43 $0.47 $1.78 $0.32 $0.34 $0.66 Revision $(0.01) $(0.02) $(0.03) $(0.03) $(0.07) $(0.03) $(0.02) $(0.05) As revised $0.35 $0.51 $0.40 $0.44 $1.71 $0.29 $0.32 $0.61 Earnings per share attributable to CNH Industrial N.V. – Diluted As reported $0.35 $0.52 $0.42 $0.46 $1.76 $0.31 $0.34 $0.66 Revision $(0.01) $(0.01) $(0.02) $(0.02) $(0.07) $(0.02) $(0.02) $(0.05) As revised $0.34 $0.51 $0.40 $0.44 $1.69 $0.29 $0.32 $0.61 ($M)

Q3 2024 results review | Nov 8, 202428 ACCOUNTING REVISION BY QUARTER (1/2) (1) non-GAAP financial measure; see reconciliation to the most comparable U.S. GAAP financial measure on the following slides Note: Numbers may not add due to rounding Q1’23 Q2’23 Q3’23 Q4’23 FY 2023 Q1’24 Q2’24 H1 2024 Adjusted net income(1) As reported 475 711 570 557 2,313 421 485 906 Revision (15) (17) (30) (34) (96) (33) (34) (67) As revised 460 694 540 523 2,217 388 451 839 Adjusted diluted EPS(1) As reported $0.35 $0.52 $0.42 $0.42 $1.70 $0.33 $0.38 $0.71 Revision $(0.01) $(0.01) $(0.02) $(0.03) $(0.07) $(0.03) $(0.03) $(0.05) As revised $0.34 $0.51 $0.40 $0.39 $1.63 $0.30 $0.35 $0.66 Adjusted EBIT of Industrial Activities(1) As reported 555 822 657 696 2,730 405 536 941 Revision (15) (17) (30) (34) (96) (33) (34) (67) As revised 540 805 627 662 2,634 372 502 874 Adjusted EBIT margin of Industrial Activities(1) As reported 11.6% 13.8% 12.3% 11.6% 12.4% 9.8% 11.2% 10.5% Revision (0.3)% (0.3)% (0.5)% (0.6)% (0.5)% (0.8)% (0.7)% (0.7)% As revised 11.3% 13.5% 11.8% 11.0% 11.9% 9.0% 10.5% 9.8% Adjusted EBIT of Agriculture As reported 570 821 672 669 2,732 421 536 957 Revision (15) (17) (30) (34) (96) (33) (34) (67) As revised 555 804 642 635 2,636 388 502 890 Adjusted EBIT margin of Agriculture As reported 14.5% 16.8% 15.3% 13.5% 15.1% 12.5% 13.7% 13.1% Revision (0.4)% (0.4)% (0.7)% (0.7)% (0.6)% (1.0)% (0.9)% (0.9)% As revised 14.1% 16.4% 14.6% 12.8% 14.5% 11.5% 12.8% 12.2% ($M)

Q3 2024 results review | Nov 8, 202429 RECONCILIATION OF ADJ. EBIT FOR INDUSTRIAL ACTIVITIES TO NET INCOME Note: Numbers may not add due to rounding Q1’23 Q2’23 Q3’23 Q4’23 FY 2023 Q1’24 Q2’24 H1 2024 Net Income (loss) - as reported 486 710 570 617 2,383 402 438 840 Revision impacts (15) (17) (30) (34) (96) (33) (34) (67) Net income (loss) - as revised 471 693 540 583 2,287 369 404 773 Less: Consolidated income tax expense (173) (192) (171) (58) (594) (77) (95) (172) Consolidated income before taxes 644 885 711 641 2,881 446 499 945 Less: Financial Services Financial Services Net Income 78 94 86 113 371 118 91 209 Financial Services Income Taxes 29 26 34 47 136 19 23 42 Add back of the following I. A. items Interest expense of I.A., net of Interest income and eliminations 4 22 10 40 76 32 46 78 Foreign exch. (gains) losses, net of I.A. 6 - 21 78 105 - 4 4 Finance and non-service comp. of pension & other post-empl. benefit costs of I.A. (1) (1) - 6 4 1 1 2 Adjustments for the following I.A. items Restructuring expenses 1 2 5 57 65 30 51 81 Other discrete items (7) 17 - - 10 - 15 15 Total Adjusted EBIT of Ind. Actitivities 540 805 627 662 2,634 372 502 874 ($M)

Q3 2024 results review | Nov 8, 202430 RECONCILIATION OF ADJUSTED NET INCOME TO NET INCOME AND CALCULATION OF THE RECASTED ADJUSTED DILUTIVE EPS Note: Numbers may not add due to rounding Q1’23 Q2’23 Q3’23 Q4’23 FY 2023 Q1’24 Q2’24 H1 2024 Net Income (loss) - as reported 486 710 570 617 2,383 402 438 840 Revision impacts (15) (17) (30) (34) (96) (33) (34) (67) Net income (loss) - as revised 471 693 540 583 2,287 369 404 773 Adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates (12) 13 (1) 53 53 25 60 85 Adjustments impacting Income tax (expense) benefit 1 (12) 1 (113) (123) (6) (13) (19) Adjusted net income (loss) 460 694 540 523 2,217 388 451 839 Adjusted net income (loss) attributable to CNH Industrial N.V. - as reported 471 707 567 556 2,301 420 480 900 Adjustment (15) (17) (30) (34) (96) (33) (34) (67) Adjusted net income (loss) attributable to CNH Industrial N.V. - as recast 456 690 537 522 2,205 387 446 833 Weighted average shares outstanding - diluted (million) 1,359 1,355 1,351 1,334 1,350 1,274 1,260 1,267 Adjusted diluted EPS $0.34 $0.51 $0.40 $0.39 $1.63 $0.30 $0.35 $0.66 ($M)

RECONCILIATIONS

Q3 2024 results review | Nov 8, 202432 Q3 2023 Q3 2024 9M 2023 9M 2024 Net Income 540 310 1,704 1,083 Less: Consolidated income tax expense (171) (75) (536) (247) Consolidated income before taxes 711 385 2,240 1,330 Less: Financial Services Financial Services Net Income 86 78 258 287 Financial Services Income Taxes 34 13 89 55 Add back of the following Industrial Activities items: Interest expense of Industrial Activities, net of Interest income and elimin. 10 36 36 114 Foreign exchange (gains) losses, net of Industrial Activities 21 8 27 12 Finance and non-service component of Pension and other post-employment benefit costs of Industrial Activities(1) - - (2) 2 Adjustments for the following Industrial Activities items: Restructuring expenses 5 12 8 93 Other discrete items(2) - (14) 10 1 Total Adjusted EBIT of Industrial Activities 627 336 1,972 1,210 RECONCILIATION OF NET INCOME TO ADJ. EBIT OF INDUSTRIAL ACTIVITIES (1) In Q3 and 9M, 2024 and 2023, this item includes the pre-tax gain of $6M and $18M, respectively, as a result of the amortization over the 4 years of the $101M positive impact from the 2021 U.S. healthcare plan modification. (2) In Q3 2024 this item includes a gain of $14M for investment fair value adjustments. In 9M 2024 this item includes a loss of $15M on the sale of certain non-core product lines and a gain of $14M for investment fair value adjustments. In Q3 2023 this item did not include any discrete items. The 9M 2023 included a loss of $23M related to the sale of CNH Industrial Russia and CNH Capital Russia businesses, partially offset by a gain of $13M for the fair value remeasurement of Augmenta and Bennamann. Note: Prior period results have been revised; see “Accounting Revision” section for details ($M)

Q3 2024 results review | Nov 8, 202433 Q3 2023 Q3 2024 9M 2023 9M 2024 Net cash provided by (used in) Operating Activities 232 791 (608) 276 Cash flows from Operating Activities of Financial Services net of eliminations (141) (839) 749 (1,161) Change in derivatives hedging debt of Industrial Activities and other (2) 13 2 12 Investments in assets sold under operating lease assets of Industrial Activities (17) (16) (26) (27) Investments in property, plant & equipment, and intangible assets of Ind. Act. (176) (123) (397) (329) Other changes(1) (23) (6) (134) (20) Free cash flow of Industrial Activities (127) (180) (414) (1,249) RECONCILIATION OF NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES TO FREE CASH FLOW OF IND. ACTIVITIES UNDER U.S. GAAP (1) This item primarily includes change in intersegment financial receivables and capital increases in intersegment investments. ($M)

Q3 2024 results review | Nov 8, 202434 Q3 2023 Q3 2024 9M 2023 9M 2024 Net income (loss) 540 310 1,704 1,083 Adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates (a) (1) (8) - 77 Adjustments impacting Income tax (expense) benefit (b) 1 2 (10) (17) Adjusted net income (loss) 540 304 1,694 1,143 Adjusted net income (loss) attributable to CNH Industrial N.V. 537 300 1,683 1,133 Weighted average shares outstanding – diluted (million) 1,351 1,254 1,355 1,262 Adjusted diluted EPS $0.40 $0.24 $1.24 $0.90 Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates 662 360 2,126 1,216 (a) Adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates (1) (8) - 77 (A) Adjusted income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates 661 352 2,126 1,293 Income tax (expense) benefit (171) (75) (536) (247) (b) Adjustments impacting Income tax (expense) benefit 1 2 (10) (17) (B) Adjusted income tax (expense) benefit (170) (73) (546) (264) Adjusted Effective Tax Rate (Adjusted ETR) (C=B/A) 26% 21% 26% 20% (a) Adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates (1) (8) - 77 Restructuring expenses 5 12 8 94 Pre-tax gain related to the 2021 modification of a healthcare plan in the U.S. (6) (6) (18) (18) Loss on sale of Industrial Activities / Financial Services, Russia Operations - - 23 - Sale of certain non-core product lines - - - 15 Investment fair value adjustments - (14) (13) (14) (b) Adjustments impacting Income tax (expense) benefit 1 2 (10) (17) Tax effect of adjustments impacting Income (loss) before income tax (expense) benefit and equity in income of unconsolidated subsidiaries and affiliates 1 2 (10) (17) Adjustment to valuation allowances on deferred tax assets - - - - ($M) RECONCILIATION OF ADJ. NET INCOME AND ADJ. INCOME TAX (EXPENSE) BENEFIT TO NET INCOME (LOSS) AND INCOME TAX (EXPENSE) BENEFIT AND CALCULATION OF ADJ. DILUTED EPS AND ADJ. ETR UNDER U.S. GAAP Note: Prior period results have been revised; see “Accounting Revision” section for details

Q3 2024 results review | Nov 8, 202435 The composition of our regions part of the geographic information is as follows:  North America: United States, Canada, and Mexico  Europe, Middle East, and Africa (EMEA): member countries of the European Union, European Free Trade Association, the United Kingdom, Ukraine, Balkans, Russia, Türkiye, Uzbekistan, Pakistan, the African continent, and the Middle East  South America: Central and South America, and the Caribbean Islands  Asia Pacific (APAC): Continental Asia (including the Indian subcontinent), Indonesia and Oceania Industry Data  In this presentation, industry information is generally based on retail unit sales data in North America, on registrations of equipment in most of Europe, Brazil, and various Rest of the World markets, and on retail and shipment unit data collected by a central information bureau appointed by equipment manufacturers associations, including the Association of Equipment Manufacturers’ in North America, the Committee for European Construction Equipment in Europe, the ANFAVEA in Brazil, the Japan Construction Equipment Manufacturers Association, and the Korea Construction Equipment Manufacturers Association, as well as on other shipment data collected by an independent service bureau.  Not all Agricultural or Construction equipment is registered, and registration data may thus underestimate, perhaps substantially, actual retail industry unit sales demand, particularly for local manufacturers in China, Southeast Asia, Eastern Europe, Russia, Turkey, Brazil, and any country where local shipments are not reported.  In addition, there may be a period of time between the shipment, delivery, sale and/or registration of a unit, which must be estimated, in making any adjustments to the shipment, delivery, sale, or registration data to determine our estimates of retail unit data in any period. GEOGRAPHIC INFORMATION

Q3 2024 results review | Nov 8, 202436 CNH monitors its operations through the use of several non-GAAP financial measures. CNH’s management believes that these non-GAAP financial measures provide useful and relevant information regarding its operating results and enhance the readers’ ability to assess CNH’s financial performance and financial position. Management uses these non-GAAP measures to identify operational trends, as well as make decisions regarding future spending, resource allocations and other operational decisions as they provide additional transparency with respect to our core operations. These non-GAAP financial measures have no standardized meaning under U.S. GAAP and are unlikely to be comparable to other similarly titled measures used by other companies and are not intended to be substitutes for measures of financial performance and financial position as prepared in accordance with U.S. GAAP. CNH’s non-GAAP financial measures used in this presentation are defined as follows: Adjusted EBIT of Industrial Activities is defined as net income (loss) before income taxes, Financial Services’ results, Industrial Activities’ interest expenses, net, foreign exchange gains/losses, finance and non-service component of pension and other post-employment benefit costs, restructuring expenses, and certain non- recurring items. In particular, non-recurring items are specifically disclosed items that management considers rare or discrete events that are infrequent in nature and not reflective of on-going operational activities. Adjusted EBIT Margin of Industrial Activities is computed by dividing Adjusted EBIT of Industrial Activities by Net Sales of Industrial Activities. Adjusted Net Income (Loss) is defined as net income (loss), less restructuring charges and non-recurring items, after tax. Adjusted Diluted EPS is computed by dividing Adjusted Net Income (loss) attributable to CNH Industrial N.V. by a weighted-average number of common shares outstanding during the period that takes into consideration potential common shares outstanding deriving from the CNH share-based payment awards, when inclusion is not anti-dilutive. When we provide guidance for adjusted diluted EPS, we do not provide guidance on an earnings per share basis because the GAAP measure will include potentially significant items that have not yet occurred and are difficult to predict with reasonable certainty prior to year-end. Adjusted Income Tax (Expense) Benefit is defined as income taxes less the tax effect of restructuring expenses and non-recurring items, and non-recurring tax charges or benefits. Adjusted Effective Tax Rate (Adjusted ETR) is computed by dividing a) adjusted income taxes by b) income (loss) before income taxes and equity in income of unconsolidated subsidiaries and affiliates, less restructuring expenses and non-recurring items. Free Cash Flow of Industrial Activities (or Industrial Free Cash Flow) refers to Industrial Activities only and is computed as consolidated cash flow from operating activities less: cash flow from operating activities of Financial Services; investments of Industrial Activities in assets sold under operating leases, property, plant and equipment and intangible assets; change in derivatives hedging debt of Industrial Activities; as well as other changes and intersegment eliminations. For forecasted information, the Company is unable to provide a reconciliation of this measure without unreasonable effort due to the uncertainty and inherent difficulty of predicting the occurrence, the financial impact, and the periods in which the adjustments may be recognized. For the same reasons, the Company is unable to address the probable significance of the unavailable information, which could be material to future results. Change excluding FX or Constant Currency refers to the fluctuations in revenues on a constant currency basis by applying the prior year average exchange rates to current year’s revenues expressed in local currency in order to eliminate the impact of foreign exchange rate fluctuations. NON-GAAP FINANCIAL MEASURES

INVESTOR RELATIONS CONTACTS investor.relations@cnh.com Jason Omerza +1 (630) 740 8079 | jason.omerza@cnh.com Federico Pavesi +39 (345) 605 6218 | federico.pavesi@cnh.com www.cnh.com

Cover	Nov. 07, 2024
Entity Information [Line Items]
Document Type	8-K
Entity Central Index Key	0001567094
Document Period End Date	Nov. 07, 2024
Entity Registrant Name	CNH INDUSTRIAL N.V.
Entity Incorporation, State or Country Code	P7
Entity File Number	001-36085
Entity Tax Identification Number	98-1125413
Entity Address, Address Line One	Cranes Farm Road
Entity Address, City or Town	Basildon, Essex
Entity Address, Postal Zip Code	SS14 3AD
Entity Address, Country	GB
City Area Code	2079
Local Phone Number	251964
Amendment Flag	false
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Common Stock
Entity Information [Line Items]
Title of 12(b) Security	Common Shares, par value €0.01
Trading Symbol	CNH
Security Exchange Name	NYSE
3.850% Notes due 2027
Entity Information [Line Items]
Title of 12(b) Security	3.850% Notes due 2027
Trading Symbol	CNH27
Security Exchange Name	NYSE

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