WallStSmart

Cresud SACIF y A (CRESY)vs3M Company (MMM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cresud SACIF y A generates 3983% more annual revenue ($1.02T vs $24.95B). CRESY leads profitability with a 19.2% profit margin vs 13.0%. CRESY trades at a lower P/E of 5.6x. CRESY earns a higher WallStSmart Score of 72/100 (B).

CRESY

Strong Buy

72

out of 100

Grade: B

Growth: 6.0Profit: 7.0Value: 8.3Quality: 5.0
Piotroski: 3/9Altman Z: 0.83

MMM

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 7.0Value: 7.3Quality: 5.5
Piotroski: 5/9Altman Z: 2.82
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRESYUndervalued (+87.2%)

Margin of Safety

+87.2%

Fair Value

$99.22

Current Price

$12.33

$86.89 discount

UndervaluedFair: $99.22Overvalued
MMMSignificantly Overvalued (-323.6%)

Margin of Safety

-323.6%

Fair Value

$40.80

Current Price

$148.05

$107.25 premium

UndervaluedFair: $40.80Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRESY4 strengths · Avg: 8.8/10
P/E RatioValuation
5.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

Revenue GrowthGrowth
20.3%8/10

Revenue surging 20.3% year-over-year

MMM3 strengths · Avg: 9.0/10
Return on EquityProfitability
75.5%10/10

Every $100 of equity generates 76 in profit

Market CapQuality
$77.25B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.33B8/10

Generating 1.3B in free cash flow

Areas to Watch

CRESY4 concerns · Avg: 3.5/10
Price/BookValuation
9.9x4/10

Trading at 9.9x book value

EPS GrowthGrowth
1.8%4/10

1.8% earnings growth

Market CapQuality
$837.76M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.963/10

Elevated debt levels

MMM4 concerns · Avg: 2.8/10
Price/BookValuation
16.7x4/10

Trading at 16.7x book value

Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

EPS GrowthGrowth
-19.9%2/10

Earnings declined 19.9%

Debt/EquityHealth
2.751/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CRESY

The strongest argument for CRESY centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 19.2% and operating margin at 24.3%. Revenue growth of 20.3% demonstrates continued momentum.

Bull Case : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Free Cash Flow. PEG of 1.43 suggests the stock is reasonably priced for its growth.

Bear Case : CRESY

The primary concerns for CRESY are Price/Book, EPS Growth, Market Cap. Debt-to-equity of 1.96 is elevated, increasing financial risk.

Bear Case : MMM

The primary concerns for MMM are Price/Book, Revenue Growth, EPS Growth. Debt-to-equity of 2.75 is elevated, increasing financial risk.

Key Dynamics to Monitor

CRESY profiles as a growth stock while MMM is a value play — different risk/reward profiles.

MMM carries more volatility with a beta of 1.13 — expect wider price swings.

CRESY is growing revenue faster at 20.3% — sustainability is the question.

MMM generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

CRESY scores higher overall (72/100 vs 54/100), backed by strong 19.2% margins and 20.3% revenue growth. Both earn "Strong 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.

Cresud SACIF y A

INDUSTRIALS · CONGLOMERATES · USA

Cresud Sociedad Annima Comercial, Inmobiliaria, Financiera y Agropecuaria, an agricultural company, produces agricultural commodities in Brazil and other Latin American countries. The company is headquartered in Buenos Aires, Argentina.

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3M Company

INDUSTRIALS · CONGLOMERATES · USA

The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.

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