WallStSmart

Cummins Inc (CMI)vsPitney Bowes Inc (PBI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 1679% more annual revenue ($33.67B vs $1.89B). CMI leads profitability with a 8.4% profit margin vs 7.7%. PBI appears more attractively valued with a PEG of 0.67. PBI earns a higher WallStSmart Score of 62/100 (C+).

CMI

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 6.5Value: 3.3Quality: 6.8
Piotroski: 6/9Altman Z: 2.91

PBI

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 6.0Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CMISignificantly Overvalued (-61.7%)

Margin of Safety

-61.7%

Fair Value

$370.38

Current Price

$671.01

$300.63 premium

UndervaluedFair: $370.38Overvalued
PBIUndervalued (+22.8%)

Margin of Safety

+22.8%

Fair Value

$13.40

Current Price

$15.75

$2.35 discount

UndervaluedFair: $13.40Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CMI3 strengths · Avg: 8.7/10
Market CapQuality
$88.34B9/10

Large-cap with strong market position

Return on EquityProfitability
23.9%9/10

Every $100 of equity generates 24 in profit

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

PBI3 strengths · Avg: 8.7/10
EPS GrowthGrowth
461.4%10/10

Earnings expanding 461.4% YoY

PEG RatioValuation
0.678/10

Growing faster than its price suggests

Operating MarginProfitability
24.4%8/10

Strong operational efficiency at 24.4%

Areas to Watch

CMI3 concerns · Avg: 4.0/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

P/E RatioValuation
31.1x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
1.1%4/10

1.1% revenue growth

PBI2 concerns · Avg: 2.5/10
Profit MarginProfitability
7.7%3/10

7.7% margin — thin

Revenue GrowthGrowth
-7.5%2/10

Revenue declined 7.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : CMI

The strongest argument for CMI centers on Market Cap, Return on Equity, EPS Growth.

Bull Case : PBI

The strongest argument for PBI centers on EPS Growth, PEG Ratio, Operating Margin. PEG of 0.67 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 : PBI

The primary concerns for PBI are Profit Margin, Revenue Growth.

Key Dynamics to Monitor

PBI carries more volatility with a beta of 1.38 — expect wider price swings.

CMI is growing revenue faster at 1.1% — sustainability is the question.

CMI generates stronger free cash flow (990M), providing more financial flexibility.

Monitor SPECIALTY INDUSTRIAL MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PBI scores higher overall (62/100 vs 59/100). Both earn "Buy" and "Buy" 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.

Pitney Bowes Inc

INDUSTRIALS · INTEGRATED FREIGHT & LOGISTICS · USA

Pitney Bowes Inc., a technology company, offers business solutions in the United States and internationally. The company is headquartered in Stamford, Connecticut.

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