Compare Stocks › CMI vs JPM
Cummins Inc. (CMI) vs JPMorgan Chase & Co. (JPM)
CMI
Cummins Inc.
$657.44
VS
JPM
JPMorgan Chase & Co.
$312.47
Rewards
CMI
- ★Free cash flow has grown at a 31.6% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $1.68 of earning power — management is creating shareholder value.
- ★PEG ratio of 0.77 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
JPM
- ★JPMorgan Chase & Co. scores 90/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Each dollar of retained earnings has created $1.79 of earning power — management is creating shareholder value.
- ★PEG ratio of 0.87 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
Risks
CMI
- ⚠FCF yield of 2.6% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠Trailing P/E of 32.1x is 29% above the historical average of 24.8x — the stock trades at a premium to its own history.
- ⚠6 insider sales totaling $19.8M with no purchases in the past 3 months — insiders are reducing their exposure.
JPM
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Altman Z-Score of 0.30 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠14 insider sales totaling $73.3M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →CMI
JPM
Valuation
$2.39B
Free Cash Flow
N/A
2.62%
FCF Yield
N/A
32.05
Trailing P/E
14.95
20.83
Forward P/E
13.28
Quality & Moat
13.49%
ROIC
4.54%
21.20%
ROE
N/A
25.76%
Gross Margin
0.00%
0.77
PEG Ratio
0.87
Balance Sheet Safety
0.61
Debt / Equity
N/A
N/A
Interest Coverage
N/A
0.87
Net Debt / EBITDA
N/A
1.19%
Dividend Yield
1.92%
CMI: 3Ties: 1JPM: 3
CMIJPM
Historical Fundamentals
Learn more →CMI
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
JPM
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →CMI
$7.92
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$4.58B
Δ Market Cap
+$36.28B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
JPM
$3.95
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$120.20B
Δ Market Cap
+$475.31B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →CMI
21.4% Margin of Safety
Price is 21.4% below estimated fair value
Current Price: $657.44
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $836.21
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
JPM
37.2% Margin of Safety
Price is 37.2% below estimated fair value
Current Price: $312.47
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $497.67
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →CMI
What growth rate is the market pricing in at $657?
+14.7%
Market-Implied Owner Earnings Growth
Standard FCF implies +17.1%
The market implies +14.7% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +17.1%, reflecting heavy growth investment.
JPM
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →CMI
55/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with reinvestment efficiency as the key competitive advantage. Improving revenue predictability would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
JPM
90/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. Reinvestment Efficiency is the area most vulnerable to competitive pressure.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →CMI
-2.51
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
JPM
-2.17
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →CMI
Insiders 0.3%Institutions 87.9%Retail & Other 11.8%
No. of Institutional Holders2,422
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
JPM
Insiders 0.4%Institutions 75.7%Retail & Other 23.8%
No. of Institutional Holders6,190
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →CMI
0
Buys (3M)
1
Buys (12M)
Total value (12M): $332,080
STONE JOHN H
Director
$332,080
@ $332.08 · 2025-05-16
WILTROUT JEFFREY T
Officer
$80,401
@ $285.11 · 2024-05-24
BOAKYE MARVIN
Officer
$499,133
@ $286.04 · 2024-05-20
Open market purchases · includes direct & indirect ownership · excludes option exercises
JPM
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →CMI
6
Sells (3M)
17
Sells (12M)
Total value (12M): $46.04M
DAVIS AMY ROCHELLE
Officer
$2.28M
@ $561.34 · 2026-03-03
JACKSON DONALD G
Officer
$2.32M
@ $465.64 · 2026-02-24
DAVIS AMY ROCHELLE
Officer
$1.09M
@ $586.64 · 2026-02-23
NEWSOME EARL JR.
Chief Technology Officer
$758,776
@ $583.67 · 2026-02-23
MILLER WILLIAM I
Director
$10.81M
@ $597.10 · 2026-02-11
BUSH JENNIFER MARY
Officer
$2.50M
@ $584.93 · 2026-02-10
MERRITT BRETT MICHAEL
Officer
$709,514
@ $489.32 · 2025-11-25
RUMSEY JENNIFER W.
Chief Executive Officer
$2.17M
@ $473.89 · 2025-11-11
SMITH MARK ANDREW
Chief Financial Officer
$6.17M
@ $470.66 · 2025-11-06
SMITH MARK ANDREW
Chief Financial Officer
$89,819
@ $449.10 · 2025-10-30
SMITH MARK ANDREW
Chief Financial Officer
$3.51M
@ $439.30 · 2025-10-06
SMITH MARK ANDREW
Chief Financial Officer
$3.77M
@ $415.73 · 2025-09-17
ENRIGHT ROBERT J
Officer
$748,210
@ $402.26 · 2025-08-22
DAVIS AMY ROCHELLE
Officer
$2.02M
@ $402.88 · 2025-08-14
SMITH MARK ANDREW
Chief Financial Officer
$5.00M
@ $400.20 · 2025-08-13
BUSH JENNIFER MARY
Officer
$201,826
@ $388.13 · 2025-08-08
PETERS LUTHER EARL
Officer
$1.89M
@ $389.19 · 2025-08-08
SMITH MARK ANDREW
Chief Financial Officer
$4.28M
@ $374.57 · 2025-02-10
BARNER SHARON R.
Officer
$798,403
@ $369.12 · 2024-11-21
BARNER SHARON R.
Officer
$784,071
@ $362.49 · 2024-11-13
JACKSON DONALD G
Officer
$1.78M
@ $356.21 · 2024-11-12
DI LEO ALLEN BRUNO VITO
Director
$1.77M
@ $358.56 · 2024-11-12
BARNER SHARON R.
Officer
$775,052
@ $358.32 · 2024-11-11
SATTERTHWAITE LIVINGSTON LORD
Officer
$7.47M
@ $308.24 · 2024-08-23
BARNER SHARON R.
Officer
$1.98M
@ $304.77 · 2024-08-21
BARNER SHARON R.
Officer
$1.44M
@ $300.35 · 2024-08-15
BARNER SHARON R.
Officer
$708,110
@ $296.28 · 2024-05-10
BARNER SHARON R.
Officer
$1.11M
@ $286.86 · 2024-05-07
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
JPM
14
Sells (3M)
33
Sells (12M)
Total value (12M): $118.67M
PIEPSZAK JENNIFER A
Chief Operating Officer
$2.80M
@ $306.56 · 2026-04-15
BARNUM JEREMY
Chief Financial Officer
$1.72M
@ $306.55 · 2026-04-15
BACON ASHLEY
Officer
$2.32M
@ $306.55 · 2026-04-15
BEER LORI A
Chief Technology Officer
$970,660
@ $306.59 · 2026-04-15
DIMON JAMES
Chief Executive Officer
$40.00M
@ $306.56 · 2026-04-15
ERDOES MARY E.
Officer
$3.78M
@ $306.57 · 2026-04-15
PETNO DOUGLAS B
Officer
$1.74M
@ $306.58 · 2026-04-15
LEOPOLD ROBIN
Officer
$127,761
@ $295.06 · 2026-03-23
LEOPOLD ROBIN
Officer
$132,684
@ $307.14 · 2026-02-19
ROHRBAUGH TROY L
Officer
$15.36M
@ $307.11 · 2026-02-19
BARNUM JEREMY
Chief Financial Officer
$886,157
@ $306.42 · 2026-02-17
BEER LORI A
Chief Technology Officer
$627,207
@ $306.40 · 2026-02-17
ERDOES MARY E.
Officer
$1.76M
@ $306.41 · 2026-02-17
PETNO DOUGLAS B
Officer
$1.07M
@ $306.40 · 2026-02-17
PIEPSZAK JENNIFER A
Chief Operating Officer
$2.68M
@ $312.79 · 2026-01-16
BARNUM JEREMY
Chief Financial Officer
$904,890
@ $312.79 · 2026-01-16
BACON ASHLEY
Officer
$2.30M
@ $312.79 · 2026-01-16
BEER LORI A
Chief Technology Officer
$640,295
@ $312.80 · 2026-01-16
ERDOES MARY E.
Officer
$1.79M
@ $312.78 · 2026-01-16
PETNO DOUGLAS B
Officer
$1.09M
@ $312.80 · 2026-01-16
LEOPOLD ROBIN
Officer
$301,311
@ $311.92 · 2025-11-07
BAMMANN LINDA B.
Director
$2.83M
@ $297.94 · 2025-09-02
BACON ASHLEY
Officer
$1.39M
@ $267.44 · 2025-06-12
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.61M
@ $262.47 · 2025-06-05
LAKE MARIANNE
Officer
$3.28M
@ $267.08 · 2025-05-16
BEER LORI A
Chief Technology Officer
$1.57M
@ $267.09 · 2025-05-16
PETNO DOUGLAS B
Officer
$2.71M
@ $266.89 · 2025-05-15
BACON ASHLEY
Officer
$1.37M
@ $262.53 · 2025-05-13
ERDOES MARY E.
Officer
$3.69M
@ $262.54 · 2025-05-13
ROHRBAUGH TROY L
Officer
$3.29M
@ $263.08 · 2025-05-12
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.54M
@ $250.76 · 2025-05-06
BARNUM JEREMY
Chief Financial Officer
$10.03M
@ $250.77 · 2025-05-06
BAMMANN LINDA B.
Director
$2.38M
@ $250.00 · 2025-05-06
DIMON JAMES
Chief Executive Officer
$31.50M
@ $235.68 · 2025-04-14
LEOPOLD ROBIN
Officer
$308,652
@ $246.92 · 2025-03-24
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.06M
@ $247.03 · 2025-03-24
ROHRBAUGH TROY L
Officer
$6.18M
@ $247.02 · 2025-03-24
BEER LORI A
Chief Technology Officer
$506,698
@ $246.93 · 2025-03-24
LEOPOLD ROBIN
Officer
$337,610
@ $270.09 · 2025-02-20
PIEPSZAK JENNIFER A
Chief Operating Officer
$1.15M
@ $269.85 · 2025-02-20
ROHRBAUGH TROY L
Officer
$10.12M
@ $269.84 · 2025-02-20
BEER LORI A
Chief Technology Officer
$554,054
@ $269.88 · 2025-02-20
FRIEDMAN STACEY R.
General Counsel
$919,371
@ $278.34 · 2025-02-18
ERDOES MARY E.
Officer
$1.47M
@ $278.37 · 2025-02-18
PETNO DOUGLAS B
Officer
$971,646
@ $278.41 · 2025-02-18
FRIEDMAN STACEY R.
General Counsel
$838,778
@ $253.94 · 2025-01-16
BACON ASHLEY
Officer
$1.81M
@ $253.94 · 2025-01-16
ERDOES MARY E.
Officer
$1.34M
@ $253.97 · 2025-01-16
PETNO DOUGLAS B
Officer
$886,565
@ $253.96 · 2025-01-16
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →CMI
😏Greed(67/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
JPM
😐Neutral(60/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →CMI
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Greed (67)
JPM
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (60)