Cummins Inc (CMI)vsHDFC Bank Limited ADR (HDB)
CMI
Cummins Inc
$679.55
-0.49%
INDUSTRIALS · Cap: $94.23B
HDB
HDFC Bank Limited ADR
$25.02
-2.53%
FINANCIAL SERVICES · Cap: $131.53B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 8259% more annual revenue ($2.83T vs $33.89B). HDB leads profitability with a 26.8% profit margin vs 7.9%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 68/100 (B-).
CMI
Hold47
out of 100
Grade: D+
HDB
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-59.1%
Fair Value
$376.46
Current Price
$679.55
$303.09 premium
Intrinsic value data unavailable for HDB.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Strong operational efficiency at 40.5%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
2.7% revenue growth
7.9% margin — thin
Trading at 10.3x book value
Elevated debt levels
Revenue declined 1.8%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CMI
The strongest argument for CMI centers on Market Cap, Return on Equity.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : CMI
The primary concerns for CMI are PEG Ratio, P/E Ratio, Revenue Growth.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
CMI profiles as a value stock while HDB is a declining play — different risk/reward profiles.
CMI carries more volatility with a beta of 1.27 — expect wider price swings.
CMI is growing revenue faster at 2.7% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (68/100 vs 47/100), backed by strong 26.8% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Cummins Inc
INDUSTRIALS · SPECIALTY INDUSTRIAL MACHINERY · USA
Cummins is a Columbus, Indiana based multinational corporation that designs, manufactures, and distributes engines, filtration, and power generation products. Cummins also services engines and related equipment, including fuel systems, controls, air handling, filtration, emission control, electrical power generation systems, and trucks.
HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
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