WallStSmart

Cummins Inc (CMI)vsRyanair Holdings PLC ADR (RYAAY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 120% more annual revenue ($33.67B vs $15.33B). RYAAY leads profitability with a 14.6% profit margin vs 8.4%. RYAAY appears more attractively valued with a PEG of 0.83. RYAAY earns a higher WallStSmart Score of 60/100 (C).

CMI

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 6.5Value: 3.3Quality: 6.8
Piotroski: 6/9Altman Z: 2.91

RYAAY

Buy

60

out of 100

Grade: C

Growth: 6.0Profit: 7.0Value: 9.3Quality: 6.0
Piotroski: 4/9Altman Z: 1.85
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CMISignificantly Overvalued (-62.4%)

Margin of Safety

-62.4%

Fair Value

$368.86

Current Price

$660.75

$291.89 premium

UndervaluedFair: $368.86Overvalued
RYAAYUndervalued (+67.8%)

Margin of Safety

+67.8%

Fair Value

$202.32

Current Price

$56.67

$145.65 discount

UndervaluedFair: $202.32Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CMI3 strengths · Avg: 8.7/10
Market CapQuality
$91.35B9/10

Large-cap with strong market position

Return on EquityProfitability
23.9%9/10

Every $100 of equity generates 24 in profit

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

RYAAY4 strengths · Avg: 9.0/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Return on EquityProfitability
26.4%9/10

Every $100 of equity generates 26 in profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.838/10

Growing faster than its price suggests

Areas to Watch

CMI3 concerns · Avg: 4.0/10
PEG RatioValuation
1.814/10

Expensive relative to growth rate

P/E RatioValuation
32.3x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
1.1%4/10

1.1% revenue growth

RYAAY4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

EPS GrowthGrowth
-79.0%2/10

Earnings declined 79.0%

Free Cash FlowQuality
$-392.53M2/10

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, EPS Growth.

Bull Case : RYAAY

The strongest argument for RYAAY centers on P/E Ratio, Return on Equity, Debt/Equity. PEG of 0.83 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 : RYAAY

The primary concerns for RYAAY are Altman Z-Score, Operating Margin, EPS Growth.

Key Dynamics to Monitor

CMI carries more volatility with a beta of 1.14 — expect wider price swings.

RYAAY is growing revenue faster at 8.6% — sustainability is the question.

CMI generates stronger free cash flow (990M), providing more financial flexibility.

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

Bottom Line

RYAAY scores higher overall (60/100 vs 59/100). Both earn "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.

Ryanair Holdings PLC ADR

INDUSTRIALS · AIRLINES · USA

Ryanair Holdings plc, offers regular passenger airline services in Ireland, the United Kingdom, Italy, Spain, Germany and other European countries. The company is headquartered in Swords, Ireland.

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