WallStSmart

Cummins Inc (CMI)vsSaia Inc (SAIA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cummins Inc generates 942% more annual revenue ($33.89B vs $3.25B). CMI leads profitability with a 7.9% profit margin vs 7.8%. CMI appears more attractively valued with a PEG of 1.58. CMI earns a higher WallStSmart Score of 47/100 (D+).

CMI

Hold

47

out of 100

Grade: D+

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

SAIA

Hold

46

out of 100

Grade: D+

Growth: 4.7Profit: 5.5Value: 3.0Quality: 8.0
Piotroski: 5/9Altman Z: 3.95

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CMI2 strengths · Avg: 9.0/10
Market CapQuality
$92.82B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

SAIA2 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.9510/10

Safe zone — low bankruptcy risk

Areas to Watch

CMI4 concerns · Avg: 3.8/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

P/E RatioValuation
35.0x4/10

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

SAIA4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.4%4/10

2.4% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
7.8%3/10

7.8% margin — thin

PEG RatioValuation
2.652/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CMI

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

Bull Case : SAIA

The strongest argument for SAIA centers on Debt/Equity, Altman Z-Score.

Bear Case : CMI

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

Bear Case : SAIA

The primary concerns for SAIA are Revenue Growth, EPS Growth, Profit Margin. A P/E of 50.8x leaves little room for execution misses.

Key Dynamics to Monitor

SAIA carries more volatility with a beta of 2.12 — 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.

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

Bottom Line

CMI scores higher overall (47/100 vs 46/100). 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.

Saia Inc

INDUSTRIALS · TRUCKING · USA

Saia, Inc., is a transportation company in North America. The company is headquartered in Johns Creek, Georgia.

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