Cummins Inc (CMI)vsWillis Lease Finance Corporation (WLFC)
CMI
Cummins Inc
$671.01
+5.02%
INDUSTRIALS · Cap: $88.34B
WLFC
Willis Lease Finance Corporation
$194.15
+4.60%
INDUSTRIALS · Cap: $1.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Cummins Inc generates 4604% more annual revenue ($33.67B vs $715.77M). WLFC leads profitability with a 15.9% profit margin vs 8.4%. WLFC appears more attractively valued with a PEG of 0.94. WLFC earns a higher WallStSmart Score of 64/100 (C+).
CMI
Buy59
out of 100
Grade: C
WLFC
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-61.7%
Fair Value
$370.38
Current Price
$671.01
$300.63 premium
Intrinsic value data unavailable for WLFC.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Every $100 of equity generates 24 in profit
Earnings expanding 41.4% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 27.6%
Revenue surging 27.8% year-over-year
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
1.1% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 45.9%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : CMI
The strongest argument for CMI centers on Market Cap, Return on Equity, EPS Growth.
Bull Case : WLFC
The strongest argument for WLFC centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 15.9% and operating margin at 27.6%. Revenue growth of 27.8% demonstrates continued momentum.
Bear Case : CMI
The primary concerns for CMI are PEG Ratio, P/E Ratio, Revenue Growth.
Bear Case : WLFC
The primary concerns for WLFC are Market Cap, Piotroski F-Score, EPS Growth. Debt-to-equity of 3.14 is elevated, increasing financial risk.
Key Dynamics to Monitor
CMI profiles as a value stock while WLFC is a growth play — different risk/reward profiles.
CMI carries more volatility with a beta of 1.14 — expect wider price swings.
WLFC is growing revenue faster at 27.8% — sustainability is the question.
CMI generates stronger free cash flow (990M), providing more financial flexibility.
Bottom Line
WLFC scores higher overall (64/100 vs 59/100), backed by strong 15.9% margins and 27.8% revenue growth. 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.
Willis Lease Finance Corporation
INDUSTRIALS · RENTAL & LEASING SERVICES · USA
Willis Lease Finance Corporation is a global lessor and manager of commercial aircraft and aircraft engines. The company is headquartered in Coconut Creek, Florida.
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