WallStSmart

Cummins Inc (CMI)vsSwvl Holdings Corp (SWVL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 139217% more annual revenue ($33.67B vs $24.17M). CMI leads profitability with a 8.4% profit margin vs 5.4%. SWVL trades at a lower P/E of 17.1x. 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

SWVL

Hold

48

out of 100

Grade: D+

Growth: 4.7Profit: 4.5Value: 7.7Quality: 5.0
Piotroski: 4/9Altman Z: -27.67
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
SWVLUndervalued (+88.4%)

Margin of Safety

+88.4%

Fair Value

$13.83

Current Price

$1.98

$11.85 discount

UndervaluedFair: $13.83Overvalued

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

SWVL4 strengths · Avg: 8.8/10
Return on EquityProfitability
116.4%10/10

Every $100 of equity generates 116 in profit

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

P/E RatioValuation
17.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
26.3%8/10

Revenue surging 26.3% year-over-year

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

SWVL4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$20.43M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
5.4%3/10

5.4% margin — thin

Free Cash FlowQuality
$-2.75M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CMI

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

Bull Case : SWVL

The strongest argument for SWVL centers on Return on Equity, Debt/Equity, P/E Ratio. Revenue growth of 26.3% demonstrates continued momentum.

Bear Case : CMI

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

Bear Case : SWVL

The primary concerns for SWVL are EPS Growth, Market Cap, Profit Margin.

Key Dynamics to Monitor

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

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

SWVL is growing revenue faster at 26.3% — sustainability is the question.

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

Bottom Line

CMI scores higher overall (59/100 vs 48/100). SWVL offers better value entry with a 88.4% margin of safety. Both earn "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.

Swvl Holdings Corp

INDUSTRIALS · RAILROADS · USA

Swvl Holdings Corp is an innovative provider of on-demand transit solutions, primarily operating in emerging markets where it utilizes advanced technology to enhance urban connectivity and tackle traffic congestion. Recognized for its leadership in the bus-hailing sector, Swvl's cost-effective mass transit options cater to the increasing demand for sustainable mobility solutions. With a scalable business model and strategic partnerships, the company is strategically positioned to leverage the evolving global transportation landscape, presenting significant growth opportunities and a commitment to improving public transport infrastructure.

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