WallStSmart

Cummins Inc (CMI)vsPrimega Group Holdings Limited (ZDAI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 222269% more annual revenue ($33.67B vs $15.14M). CMI leads profitability with a 8.4% profit margin vs -81.8%. 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

ZDAI

Avoid

21

out of 100

Grade: F

Growth: 5.3Profit: 2.0Value: 5.0Quality: 4.0
Piotroski: 4/9Altman Z: 0.81
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 ZDAI.

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

ZDAI1 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

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

ZDAI4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$18.42M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-207.3%2/10

ROE of -207.3% — below average capital efficiency

Revenue GrowthGrowth
-43.2%2/10

Revenue declined 43.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : CMI

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

Bull Case : ZDAI

The strongest argument for ZDAI centers on Price/Book.

Bear Case : CMI

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

Bear Case : ZDAI

The primary concerns for ZDAI are EPS Growth, Market Cap, Return on Equity. Debt-to-equity of 5.31 is elevated, increasing financial risk.

Key Dynamics to Monitor

CMI profiles as a value stock while ZDAI is a turnaround play — different risk/reward profiles.

CMI is growing revenue faster at 1.1% — sustainability is the question.

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

Monitor SPECIALTY INDUSTRIAL MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CMI scores higher overall (59/100 vs 21/100). 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.

Primega Group Holdings Limited

INDUSTRIALS · ENGINEERING & CONSTRUCTION · USA

Primega Group Holdings Limited, provides soil and rock transportation services in Hong Kong. The company is headquartered in San Po Kong, Hong Kong.

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