Cummins Inc (CMI)vsInsperity Inc (NSP)
CMI
Cummins Inc
$671.01
+5.02%
INDUSTRIALS · Cap: $88.34B
NSP
Insperity Inc
$35.57
-4.41%
INDUSTRIALS · Cap: $1.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Cummins Inc generates 394% more annual revenue ($33.67B vs $6.81B). CMI leads profitability with a 8.4% profit margin vs -0.1%. NSP appears more attractively valued with a PEG of 1.42. CMI earns a higher WallStSmart Score of 59/100 (C).
CMI
Buy59
out of 100
Grade: C
NSP
Hold36
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-61.7%
Fair Value
$370.38
Current Price
$671.01
$300.63 premium
Margin of Safety
+82.5%
Fair Value
$171.88
Current Price
$35.57
$136.31 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
No standout strengths identified
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
1.1% revenue growth
3.4% revenue growth
Smaller company, higher risk/reward
Trading at 29.2x book value
ROE of -9.8% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : CMI
The strongest argument for CMI centers on Market Cap, Return on Equity, EPS Growth.
Bull Case : NSP
PEG of 1.42 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 : NSP
The primary concerns for NSP are Revenue Growth, Market Cap, Price/Book.
Key Dynamics to Monitor
CMI profiles as a value stock while NSP is a turnaround play — different risk/reward profiles.
CMI carries more volatility with a beta of 1.14 — expect wider price swings.
NSP is growing revenue faster at 3.4% — sustainability is the question.
CMI generates stronger free cash flow (990M), providing more financial flexibility.
Bottom Line
CMI scores higher overall (59/100 vs 36/100). NSP offers better value entry with a 82.5% margin of safety. 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.
Insperity Inc
INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA
Insperity, Inc. provides human resources (HR) and business solutions to improve business performance for small and medium-sized businesses. The company is headquartered in Kingwood, Texas.
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