WallStSmart

Cummins Inc (CMI)vsSnap-On Inc (SNA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 545% more annual revenue ($33.67B vs $5.22B). SNA leads profitability with a 19.6% profit margin vs 8.4%. CMI appears more attractively valued with a PEG of 1.76. SNA earns a higher WallStSmart Score of 60/100 (C).

CMI

Buy

59

out of 100

Grade: C

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

SNA

Buy

60

out of 100

Grade: C

Growth: 4.7Profit: 8.0Value: 5.0Quality: 8.5
Piotroski: 3/9Altman Z: 4.46
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

Intrinsic value data unavailable for SNA.

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

SNA3 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
4.4610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Operating MarginProfitability
24.6%8/10

Strong operational efficiency at 24.6%

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

SNA3 concerns · Avg: 3.7/10
PEG RatioValuation
2.104/10

Expensive relative to growth rate

EPS GrowthGrowth
4.0%4/10

4.0% earnings growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CMI

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

Bull Case : SNA

The strongest argument for SNA centers on Altman Z-Score, Debt/Equity, Operating Margin. Profitability is solid with margins at 19.6% and operating margin at 24.6%.

Bear Case : CMI

The primary concerns for CMI are PEG Ratio, P/E Ratio, Revenue Growth.

Bear Case : SNA

The primary concerns for SNA are PEG Ratio, EPS Growth, Piotroski F-Score.

Key Dynamics to Monitor

CMI profiles as a value stock while SNA is a mature play — different risk/reward profiles.

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

SNA is growing revenue faster at 5.2% — sustainability is the question.

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

Bottom Line

SNA scores higher overall (60/100 vs 59/100), backed by strong 19.6% margins. 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.

Snap-On Inc

INDUSTRIALS · TOOLS & ACCESSORIES · USA

Snap-on Incorporated is an American designer, manufacturer and marketer of high-end tools and equipment for professional use in the transportation industry including the automotive, heavy duty, equipment, marine, aviation, and railroad industries.

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