WallStSmart

3M Company (MMM)vsPACCAR Inc (PCAR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 10% more annual revenue ($27.82B vs $25.18B). MMM leads profitability with a 11.9% profit margin vs 9.0%. PCAR appears more attractively valued with a PEG of 1.32. MMM earns a higher WallStSmart Score of 66/100 (B-).

MMM

Strong Buy

66

out of 100

Grade: B-

Growth: 5.3Profit: 8.0Value: 3.3Quality: 5.0
Piotroski: 5/9Altman Z: 2.82

PCAR

Buy

52

out of 100

Grade: C-

Growth: 3.3Profit: 6.0Value: 4.7Quality: 6.5
Piotroski: 1/9Altman Z: 2.09
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MMMSignificantly Overvalued (-48.1%)

Margin of Safety

-48.1%

Fair Value

$116.72

Current Price

$182.90

$66.18 premium

UndervaluedFair: $116.72Overvalued
PCARSignificantly Overvalued (-56.3%)

Margin of Safety

-56.3%

Fair Value

$85.29

Current Price

$133.11

$47.82 premium

UndervaluedFair: $85.29Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MMM4 strengths · Avg: 8.8/10
Return on EquityProfitability
101.5%10/10

Every $100 of equity generates 102 in profit

Market CapQuality
$93.58B9/10

Large-cap with strong market position

Operating MarginProfitability
20.3%8/10

Strong operational efficiency at 20.3%

EPS GrowthGrowth
32.8%8/10

Earnings expanding 32.8% YoY

PCAR1 strengths · Avg: 9.0/10
Market CapQuality
$71.56B9/10

Large-cap with strong market position

Areas to Watch

MMM4 concerns · Avg: 3.5/10
PEG RatioValuation
1.774/10

Expensive relative to growth rate

P/E RatioValuation
31.4x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
2.5%4/10

2.5% revenue growth

Price/BookValuation
32.0x2/10

Trading at 32.0x book value

PCAR4 concerns · Avg: 3.8/10
P/E RatioValuation
28.6x4/10

Moderate valuation

Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

EPS GrowthGrowth
4.2%4/10

4.2% earnings growth

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Operating Margin.

Bull Case : PCAR

The strongest argument for PCAR centers on Market Cap. PEG of 1.32 suggests the stock is reasonably priced for its growth.

Bear Case : MMM

The primary concerns for MMM are PEG Ratio, P/E Ratio, Revenue Growth. Debt-to-equity of 4.25 is elevated, increasing financial risk.

Bear Case : PCAR

The primary concerns for PCAR are P/E Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

MMM carries more volatility with a beta of 1.08 — expect wider price swings.

MMM is growing revenue faster at 2.5% — sustainability is the question.

PCAR generates stronger free cash flow (825M), providing more financial flexibility.

Monitor CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MMM scores higher overall (66/100 vs 52/100). Both earn "Strong 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.

3M Company

INDUSTRIALS · CONGLOMERATES · USA

The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.

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PACCAR Inc

INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA

PACCAR Inc is an American Fortune 500 company and counts among the largest manufacturers of medium- and heavy-duty trucks in the world. PACCAR is engaged in the design, manufacture and customer support of light-, medium- and heavy-duty trucks under the Kenworth, Peterbilt, Leyland Trucks, and DAF nameplates. PACCAR also designs and manufactures powertrains, provides financial services and information technology, and distributes truck parts related to its principal business.

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