Cummins Inc (CMI)vsHDFC Bank Limited ADR (HDB)
CMI
Cummins Inc
$553.36
-0.25%
INDUSTRIALS · Cap: $76.65B
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 8351% more annual revenue ($2.85T vs $33.67B). HDB leads profitability with a 26.2% profit margin vs 8.4%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 78/100 (B+).
CMI
Buy61
out of 100
Grade: C+
HDB
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+37.7%
Fair Value
$960.80
Current Price
$553.36
$407.44 discount
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
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
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.4% year-over-year
Areas to Watch
Moderate valuation
1.1% revenue growth
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CMI
The strongest argument for CMI centers on Market Cap, Return on Equity, EPS Growth. PEG of 1.47 suggests the stock is reasonably priced for its growth.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.2% and operating margin at 34.8%. Revenue growth of 26.4% demonstrates continued momentum.
Bear Case : CMI
The primary concerns for CMI are P/E Ratio, Revenue Growth.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
CMI profiles as a value stock while HDB is a growth play — different risk/reward profiles.
CMI carries more volatility with a beta of 1.13 — expect wider price swings.
HDB is growing revenue faster at 26.4% — sustainability is the question.
Monitor SPECIALTY INDUSTRIAL MACHINERY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (78/100 vs 61/100), backed by strong 26.2% margins and 26.4% revenue growth. CMI offers better value entry with a 37.7% margin of safety. 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.
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.
HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
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