WallStSmart

Cummins Inc (CMI)vsMedline Inc. Class A Common Stock (MDLN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 16% more annual revenue ($33.89B vs $29.14B). CMI leads profitability with a 7.9% profit margin vs 3.3%. CMI trades at a lower P/E of 35.5x. MDLN earns a higher WallStSmart Score of 52/100 (C-).

CMI

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 6.0Value: 3.3Quality: 6.8
Piotroski: 6/9Altman Z: 2.91

MDLN

Buy

52

out of 100

Grade: C-

Growth: 7.3Profit: 5.0Value: 6.3Quality: 6.8
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CMISignificantly Overvalued (-59.1%)

Margin of Safety

-59.1%

Fair Value

$376.46

Current Price

$679.55

$303.09 premium

UndervaluedFair: $376.46Overvalued
MDLNUndervalued (+69.5%)

Margin of Safety

+69.5%

Fair Value

$147.84

Current Price

$39.52

$108.32 discount

UndervaluedFair: $147.84Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CMI2 strengths · Avg: 9.0/10
Market CapQuality
$94.23B9/10

Large-cap with strong market position

Return on EquityProfitability
22.0%9/10

Every $100 of equity generates 22 in profit

MDLN2 strengths · Avg: 9.0/10
EPS GrowthGrowth
1258.0%10/10

Earnings expanding 1258.0% YoY

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

Areas to Watch

CMI4 concerns · Avg: 3.8/10
PEG RatioValuation
1.854/10

Expensive relative to growth rate

P/E RatioValuation
35.5x4/10

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

MDLN4 concerns · Avg: 3.0/10
P/E RatioValuation
36.7x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
6.0%3/10

ROE of 6.0% — below average capital efficiency

Profit MarginProfitability
3.3%3/10

3.3% margin — thin

Free Cash FlowQuality
$-113.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CMI

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

Bull Case : MDLN

The strongest argument for MDLN centers on EPS Growth, Price/Book. Revenue growth of 10.7% demonstrates continued momentum.

Bear Case : CMI

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

Bear Case : MDLN

The primary concerns for MDLN are P/E Ratio, Return on Equity, Profit Margin. Thin 3.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

MDLN is growing revenue faster at 10.7% — sustainability is the question.

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

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

Bottom Line

MDLN scores higher overall (52/100 vs 47/100) and 10.7% revenue growth. Both earn "Buy" 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.

Medline Inc. Class A Common Stock

HEALTHCARE · MEDICAL INSTRUMENTS & SUPPLIES · USA

Medline Inc. manufactures med-surg products serving the hospital, surgery centers, physician offices, post-acute facilities, and nursing home sites of care in the United States and Internationally. The company is headquartered in Northfield, Illinois.

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