WallStSmart

Cummins Inc (CMI)vsKelly Services B Inc (KELYB)

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Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 721% more annual revenue ($33.89B vs $4.13B). CMI leads profitability with a 7.9% profit margin vs -6.4%. KELYB appears more attractively valued with a PEG of 1.40. KELYB earns a higher WallStSmart Score of 49/100 (D+).

CMI

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 6.0Value: 4.3Quality: 6.5
Piotroski: 4/9Altman Z: 2.99

KELYB

Hold

49

out of 100

Grade: D+

Growth: 4.7Profit: 3.0Value: 7.0Quality: 8.0
Piotroski: 4/9Altman Z: 3.27
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CMI.

KELYBUndervalued (+52.0%)

Margin of Safety

+52.0%

Fair Value

$37.70

Current Price

$18.70

$19.00 discount

UndervaluedFair: $37.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CMI2 strengths · Avg: 9.0/10
Market CapQuality
$97.91B9/10

Large-cap with strong market position

Return on EquityProfitability
22.0%9/10

Every $100 of equity generates 22 in profit

KELYB4 strengths · Avg: 9.8/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

EPS GrowthGrowth
333.3%10/10

Earnings expanding 333.3% YoY

Altman Z-ScoreHealth
3.2710/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

Areas to Watch

CMI4 concerns · Avg: 3.8/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

P/E RatioValuation
36.9x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
2.7%4/10

2.7% revenue growth

Profit MarginProfitability
7.9%3/10

7.9% margin — thin

KELYB4 concerns · Avg: 2.5/10
Market CapQuality
$622.66M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
0.4%3/10

Operating margin of 0.4%

Return on EquityProfitability
-24.1%2/10

ROE of -24.1% — below average capital efficiency

Revenue GrowthGrowth
-10.7%2/10

Revenue declined 10.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : CMI

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

Bull Case : KELYB

The strongest argument for KELYB centers on Price/Book, EPS Growth, Altman Z-Score. PEG of 1.40 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 : KELYB

The primary concerns for KELYB are Market Cap, Operating Margin, Return on Equity.

Key Dynamics to Monitor

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

CMI carries more volatility with a beta of 1.27 — expect wider price swings.

CMI is growing revenue faster at 2.7% — sustainability is the question.

CMI generates stronger free cash flow (120M), providing more financial flexibility.

Bottom Line

KELYB scores higher overall (49/100 vs 47/100). Both earn "Hold" and "Hold" 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.

Kelly Services B Inc

INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA

Kelly Services, Inc. provides workforce solutions to various industries. The company is headquartered in Troy, Michigan.

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