WallStSmart

Cummins Inc (CMI)vsRoma Green Finance Limited Ordinary Shares (ROMA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 263749% more annual revenue ($33.67B vs $12.76M). CMI leads profitability with a 8.4% profit margin vs -219.2%. CMI earns a higher WallStSmart Score of 59/100 (C).

CMI

Buy

59

out of 100

Grade: C

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

ROMA

Avoid

18

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 5.0Quality: 7.8
Piotroski: 5/9Altman Z: 12.92
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CMISignificantly Overvalued (-60.5%)

Margin of Safety

-60.5%

Fair Value

$373.25

Current Price

$715.76

$342.51 premium

UndervaluedFair: $373.25Overvalued

Intrinsic value data unavailable for ROMA.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CMI3 strengths · Avg: 8.7/10
Market CapQuality
$90.90B9/10

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

ROMA2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
12.9210/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
17.6%8/10

17.6% revenue growth

Areas to Watch

CMI4 concerns · Avg: 4.0/10
PEG RatioValuation
1.804/10

Expensive relative to growth rate

P/E RatioValuation
32.0x4/10

Premium valuation, high expectations priced in

Price/BookValuation
8.0x4/10

Trading at 8.0x book value

Revenue GrowthGrowth
1.1%4/10

1.1% revenue growth

ROMA4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$365.13M3/10

Smaller company, higher risk/reward

Price/BookValuation
36.9x2/10

Trading at 36.9x book value

Return on EquityProfitability
-38.9%2/10

ROE of -38.9% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : CMI

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

Bull Case : ROMA

The strongest argument for ROMA centers on Altman Z-Score, Revenue Growth. Revenue growth of 17.6% demonstrates continued momentum.

Bear Case : CMI

The primary concerns for CMI are PEG Ratio, P/E Ratio, Price/Book.

Bear Case : ROMA

The primary concerns for ROMA are EPS Growth, Market Cap, Price/Book.

Key Dynamics to Monitor

CMI profiles as a value stock while ROMA is a growth play — different risk/reward profiles.

CMI carries more volatility with a beta of 1.14 — expect wider price swings.

ROMA is growing revenue faster at 17.6% — sustainability is the question.

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

Bottom Line

CMI scores higher overall (59/100 vs 18/100). Both earn "Buy" and "Avoid" 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.

Roma Green Finance Limited Ordinary Shares

INDUSTRIALS · CONSULTING SERVICES · USA

Roma Green Finance Limited is an innovative financial services firm dedicated to providing sustainable investment solutions and green financing aligned with environmental, social, and governance (ESG) criteria. Positioned to meet the growing demand for eco-friendly financial products, the company leverages strategic partnerships to enhance its service offerings and drive growth. With a robust commitment to fostering sustainable development, Roma Green Finance appeals to institutional and retail investors seeking responsible, impactful investment opportunities that contribute to a greener economy.

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