WallStSmart

3M Company (MMM)vsThe TJX Companies Inc (TJX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The TJX Companies Inc generates 141% more annual revenue ($60.37B vs $25.02B). MMM leads profitability with a 11.1% profit margin vs 9.1%. MMM appears more attractively valued with a PEG of 1.50. TJX earns a higher WallStSmart Score of 56/100 (C).

MMM

Buy

56

out of 100

Grade: C

Growth: 2.7Profit: 8.0Value: 4.7Quality: 5.5
Piotroski: 5/9Altman Z: 2.82

TJX

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 7.5Value: 3.3Quality: 6.3
Piotroski: 5/9Altman Z: 3.30
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MMMSignificantly Overvalued (-31.5%)

Margin of Safety

-31.5%

Fair Value

$131.48

Current Price

$143.29

$11.81 premium

UndervaluedFair: $131.48Overvalued
TJXOvervalued (-6.9%)

Margin of Safety

-6.9%

Fair Value

$147.47

Current Price

$153.36

$5.89 premium

UndervaluedFair: $147.47Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MMM3 strengths · Avg: 9.0/10
Return on EquityProfitability
71.5%10/10

Every $100 of equity generates 72 in profit

Market CapQuality
$74.98B9/10

Large-cap with strong market position

Operating MarginProfitability
23.3%8/10

Strong operational efficiency at 23.3%

TJX5 strengths · Avg: 9.0/10
Return on EquityProfitability
59.1%10/10

Every $100 of equity generates 59 in profit

Altman Z-ScoreHealth
3.3010/10

Safe zone — low bankruptcy risk

Market CapQuality
$169.59B9/10

Large-cap with strong market position

EPS GrowthGrowth
27.9%8/10

Earnings expanding 27.9% YoY

Free Cash FlowQuality
$2.63B8/10

Generating 2.6B in free cash flow

Areas to Watch

MMM4 concerns · Avg: 3.0/10
P/E RatioValuation
27.7x4/10

Moderate valuation

Revenue GrowthGrowth
1.3%4/10

1.3% revenue growth

Price/BookValuation
22.9x2/10

Trading at 22.9x book value

EPS GrowthGrowth
-39.7%2/10

Earnings declined 39.7%

TJX3 concerns · Avg: 3.3/10
P/E RatioValuation
31.5x4/10

Premium valuation, high expectations priced in

Price/BookValuation
16.7x4/10

Trading at 16.7x book value

PEG RatioValuation
3.422/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Operating Margin.

Bull Case : TJX

The strongest argument for TJX centers on Return on Equity, Altman Z-Score, Market Cap.

Bear Case : MMM

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

Bear Case : TJX

The primary concerns for TJX are P/E Ratio, Price/Book, PEG Ratio.

Key Dynamics to Monitor

MMM carries more volatility with a beta of 1.09 — expect wider price swings.

TJX is growing revenue faster at 8.5% — sustainability is the question.

TJX generates stronger free cash flow (2.6B), providing more financial flexibility.

Monitor CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MMM scores higher overall (56/100 vs 56/100). 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.

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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The TJX Companies Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

The TJX Companies, Inc. (abbreviated TJX) is an American multinational off-price department store corporation, headquartered in Framingham, Massachusetts.

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