PHIN
PHINIA Inc.
Auto - Parts
Market Cap$2.97B
5Y Perf.+148.8%
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Stock Comparison
PHIN vs CMI
Revenue, margins, valuation, and 5-year total return — side by side.
CMI
Cummins Inc.
Industrial - Machinery
Market Cap$98.89B
5Y Perf.+192.0%
PHIN vs CMI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PHIN | CMI |
|---|---|---|
| Industry | Auto - Parts | Industrial - Machinery |
| Market Cap | $2.97B | $98.89B |
| Revenue (TTM) | $3.56B | $33.89B |
| Net Income (TTM) | $141M | $2.67B |
| Gross Margin | 21.6% | 25.4% |
| Operating Margin | 9.0% | 11.2% |
| Forward P/E | 13.5x | 27.2x |
| Total Debt | $1.02B | $8.11B |
| Cash & Equiv. | $359M | $2.85B |
PHIN vs CMI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PHIN
CMI
| Stock | Jun 23 | May 26 | Return |
|---|---|---|---|
| PHINIA Inc. (PHIN) | 100 | 248.8 | +148.8% |
| Cummins Inc. (CMI) | 100 | 292.0 | +192.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PHIN vs CMI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PHIN leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Cummins Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
PHIN
PHINIA Inc.
The Income Pick
PHIN carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 3 yrs, beta 1.12, yield 1.3%
- Rev growth 2.4%, EPS growth 84.1%, 3Y rev CAGR 1.3%
- Lower volatility, beta 1.12, Low D/E 64.3%, current ratio 1.86x
Best for: income & stability and growth exposure
CMI
Cummins Inc.
The Long-Run Compounder
CMI is the clearest fit if your priority is long-term compounding.
- 5.7% 10Y total return vs PHIN's 119.6%
- 7.9% margin vs PHIN's 4.0%
- +142.5% vs PHIN's +92.0%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PHIN | 2.4% revenue growth vs CMI's -1.3% |
| Value | PHIN | Lower P/E (13.5x vs 27.2x) |
| Quality / Margins | CMI | 7.9% margin vs PHIN's 4.0% |
| Stability / Safety | PHIN | Beta 1.12 vs CMI's 1.57 |
| Dividends | PHIN | 1.3% yield, 3-year raise streak, vs CMI's 1.1% |
| Momentum (1Y) | CMI | +142.5% vs PHIN's +92.0% |
| Efficiency (ROA) | CMI | 7.8% ROA vs PHIN's 3.6%, ROIC 16.1% vs 9.6% |
PHIN vs CMI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
PHIN vs CMI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCMILAGGINGPHIN
PHINPHINIA Inc.
1leads
CMICummins Inc.
2leads
6 Total Categories
CATEGORYLEADERvs PHINMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
PHIN6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CMI6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
CMI6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
Evenly matched — PHIN and CMI each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
CMI is the larger business by revenue, generating $33.9B annually — 9.5x PHIN's $3.6B. Profitability is closely matched — net margins range from 7.9% (CMI) to 4.0% (PHIN). On growth, PHIN holds the edge at +10.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PHINPHINIA Inc. | CMICummins Inc. |
|---|---|---|
| RevenueTrailing 12 months | $3.6B | $33.9B |
| EBITDAEarnings before interest/tax | $481M | $4.6B |
| Net IncomeAfter-tax profit | $141M | $2.7B |
| Free Cash FlowCash after capex | $305M | $2.7B |
| Gross MarginGross profit ÷ Revenue | +21.6% | +25.4% |
| Operating MarginEBIT ÷ Revenue | +9.0% | +11.2% |
| Net MarginNet income ÷ Revenue | +4.0% | +7.9% |
| FCF MarginFCF ÷ Revenue | +8.6% | +7.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +10.3% | +2.7% |
| EPS Growth (YoY)Latest quarter vs prior year | +52.4% | -21.0% |
Evenly matched — PHIN and CMI each lead in 3 of 6 comparable metrics.
Valuation Metrics
PHIN leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 24.2x trailing earnings, PHIN trades at a 31% valuation discount to CMI's 34.9x P/E. On an enterprise value basis, PHIN's 8.3x EV/EBITDA is more attractive than CMI's 21.0x.
| Metric | PHINPHINIA Inc. | CMICummins Inc. |
|---|---|---|
| Market CapShares × price | $3.0B | $98.9B |
| Enterprise ValueMkt cap + debt − cash | $3.6B | $104.2B |
| Trailing P/EPrice ÷ TTM EPS | 24.19x | 34.92x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.45x | 27.19x |
| PEG RatioP/E ÷ EPS growth rate | — | 3.09x |
| EV / EBITDAEnterprise value multiple | 8.31x | 20.96x |
| Price / SalesMarket cap ÷ Revenue | 0.85x | 2.94x |
| Price / BookPrice ÷ Book value/share | 1.98x | 7.40x |
| Price / FCFMarket cap ÷ FCF | 15.80x | 41.45x |
PHIN leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
CMI leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
CMI delivers a 20.3% return on equity — every $100 of shareholder capital generates $20 in annual profit, vs $9 for PHIN. CMI carries lower financial leverage with a 0.61x debt-to-equity ratio, signaling a more conservative balance sheet compared to PHIN's 0.64x.
| Metric | PHINPHINIA Inc. | CMICummins Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +8.9% | +20.3% |
| ROA (TTM)Return on assets | +3.6% | +7.8% |
| ROICReturn on invested capital | +9.6% | +16.1% |
| ROCEReturn on capital employed | +9.9% | +17.3% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.64x | 0.61x |
| Net DebtTotal debt minus cash | $661M | $5.3B |
| Cash & Equiv.Liquid assets | $359M | $2.8B |
| Total DebtShort + long-term debt | $1.0B | $8.1B |
| Interest CoverageEBIT ÷ Interest expense | 3.37x | 12.15x |
CMI leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
CMI leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CMI five years ago would be worth $28,172 today (with dividends reinvested), compared to $21,957 for PHIN. Over the past 12 months, CMI leads with a +142.5% total return vs PHIN's +92.0%. The 3-year compound annual growth rate (CAGR) favors CMI at 48.8% vs PHIN's 30.0% — a key indicator of consistent wealth creation.
| Metric | PHINPHINIA Inc. | CMICummins Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +21.7% | +37.5% |
| 1-Year ReturnPast 12 months | +92.0% | +142.5% |
| 3-Year ReturnCumulative with dividends | +119.6% | +229.5% |
| 5-Year ReturnCumulative with dividends | +119.6% | +181.7% |
| 10-Year ReturnCumulative with dividends | +119.6% | +571.7% |
| CAGR (3Y)Annualised 3-year return | +30.0% | +48.8% |
CMI leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PHIN and CMI each lead in 1 of 2 comparable metrics.
Risk & Volatility
PHIN is the less volatile stock with a 1.12 beta — it tends to amplify market swings less than CMI's 1.57 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CMI currently trades 99.8% from its 52-week high vs PHIN's 96.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PHINPHINIA Inc. | CMICummins Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.12x | 1.57x |
| 52-Week HighHighest price in past year | $81.11 | $717.28 |
| 52-Week LowLowest price in past year | $40.36 | $296.59 |
| % of 52W HighCurrent price vs 52-week peak | +96.6% | +99.8% |
| RSI (14)Momentum oscillator 0–100 | 64.9 | 68.6 |
| Avg Volume (50D)Average daily shares traded | 364K | 794K |
Evenly matched — PHIN and CMI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — PHIN and CMI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates PHIN as "Hold" and CMI as "Buy". Consensus price targets imply 7.8% upside for PHIN (target: $85) vs -13.2% for CMI (target: $621). For income investors, PHIN offers the higher dividend yield at 1.34% vs CMI's 1.06%.
| Metric | PHINPHINIA Inc. | CMICummins Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $84.50 | $621.10 |
| # AnalystsCovering analysts | 5 | 51 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +1.1% |
| Dividend StreakConsecutive years of raises | 3 | 21 |
| Dividend / ShareAnnual DPS | $1.05 | $7.61 |
| Buyback YieldShare repurchases ÷ mkt cap | +6.8% | 0.0% |
Evenly matched — PHIN and CMI each lead in 1 of 2 comparable metrics.
Key Takeaway
CMI leads in 2 of 6 categories (Profitability & Efficiency, Total Returns). PHIN leads in 1 (Valuation Metrics). 3 tied.
Best OverallCummins Inc. (CMI)Leads 2 of 6 categories
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PHIN vs CMI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PHIN or CMI a better buy right now?
For growth investors, PHINIA Inc.
(PHIN) is the stronger pick with 2. 4% revenue growth year-over-year, versus -1. 3% for Cummins Inc. (CMI). PHINIA Inc. (PHIN) offers the better valuation at 24. 2x trailing P/E (13. 5x forward), making it the more compelling value choice. Analysts rate Cummins Inc. (CMI) a "Buy" — based on 51 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PHIN or CMI?
On trailing P/E, PHINIA Inc.
(PHIN) is the cheapest at 24. 2x versus Cummins Inc. at 34. 9x. On forward P/E, PHINIA Inc. is actually cheaper at 13. 5x.
03Which is the better long-term investment — PHIN or CMI?
Over the past 5 years, Cummins Inc.
(CMI) delivered a total return of +181. 7%, compared to +119. 6% for PHINIA Inc. (PHIN). Over 10 years, the gap is even starker: CMI returned +571. 7% versus PHIN's +119. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PHIN or CMI?
By beta (market sensitivity over 5 years), PHINIA Inc.
(PHIN) is the lower-risk stock at 1. 12β versus Cummins Inc. 's 1. 57β — meaning CMI is approximately 41% more volatile than PHIN relative to the S&P 500. On balance sheet safety, Cummins Inc. (CMI) carries a lower debt/equity ratio of 61% versus 64% for PHINIA Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PHIN or CMI?
By revenue growth (latest reported year), PHINIA Inc.
(PHIN) is pulling ahead at 2. 4% versus -1. 3% for Cummins Inc. (CMI). On earnings-per-share growth, the picture is similar: PHINIA Inc. grew EPS 84. 1% year-over-year, compared to -27. 7% for Cummins Inc.. Over a 3-year CAGR, CMI leads at 6. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PHIN or CMI?
Cummins Inc.
(CMI) is the more profitable company, earning 8. 4% net margin versus 3. 7% for PHINIA Inc. — meaning it keeps 8. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CMI leads at 11. 5% versus 8. 0% for PHIN. At the gross margin level — before operating expenses — CMI leads at 25. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PHIN or CMI more undervalued right now?
On forward earnings alone, PHINIA Inc.
(PHIN) trades at 13. 5x forward P/E versus 27. 2x for Cummins Inc. — 13. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PHIN: 7. 8% to $84. 50.
08Which pays a better dividend — PHIN or CMI?
All stocks in this comparison pay dividends.
PHINIA Inc. (PHIN) offers the highest yield at 1. 3%, versus 1. 1% for Cummins Inc. (CMI).
09Is PHIN or CMI better for a retirement portfolio?
For long-horizon retirement investors, PHINIA Inc.
(PHIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 12), 1. 3% yield, +119. 6% 10Y return). Cummins Inc. (CMI) carries a higher beta of 1. 57 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (PHIN: +119. 6%, CMI: +571. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PHIN and CMI?
These companies operate in different sectors (PHIN (Consumer Cyclical) and CMI (Industrials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(PHIN: 10.3% · CMI: 2.7%)Net Margin>
%
(PHIN: 4.0% · CMI: 7.9%)P/E Ratio<
x
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