WallStSmart

Cummins Inc (CMI)vsXerox Corp (XRX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 379% more annual revenue ($33.67B vs $7.02B). CMI leads profitability with a 8.4% profit margin vs -14.6%. XRX appears more attractively valued with a PEG of 0.20. XRX 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

XRX

Buy

60

out of 100

Grade: C

Growth: 6.0Profit: 2.5Value: 6.7Quality: 3.0
Piotroski: 3/9Altman Z: 0.99
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 XRX.

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

XRX3 strengths · Avg: 9.3/10
PEG RatioValuation
0.2010/10

Growing faster than its price suggests

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
25.7%8/10

Revenue surging 25.7% 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

XRX4 concerns · Avg: 2.8/10
Market CapQuality
$211.86M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.8%3/10

Operating margin of 1.8%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-104.1%2/10

ROE of -104.1% — 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 : XRX

The strongest argument for XRX centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 25.7% demonstrates continued momentum. PEG of 0.20 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 : XRX

The primary concerns for XRX are Market Cap, Operating Margin, Piotroski F-Score. Debt-to-equity of 6.45 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

XRX carries more volatility with a beta of 1.83 — expect wider price swings.

XRX is growing revenue faster at 25.7% — sustainability is the question.

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

Bottom Line

XRX scores higher overall (60/100 vs 59/100) and 25.7% 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.

Xerox Corp

INDUSTRIALS · BUSINESS EQUIPMENT & SUPPLIES · USA

Xerox Holdings Corporation, a workplace technology company, designs, develops and sells document management systems and solutions in the United States, Europe, Canada and internationally. The company is headquartered in Norwalk, Connecticut.

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