CMI vs. GPN: A Head-to-Head Stock Comparison

Updated on October 3, 2025

Here’s a clear look at CMI and GPN, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	CMI	GPN
Company Name	Cummins Inc.	Global Payments Inc.
Country	United States	United States
GICS Sector	Industrials	Financials
GICS Industry	Machinery	Financial Services
Market Capitalization	58.51 billion USD	20.65 billion USD
Exchange	NYSE	NYSE
Listing Date	February 21, 1973	January 16, 2001
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of CMI and GPN by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CMI vs. GPN: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	CMI	GPN
5-Day Price Return	2.56%	-4.63%
13-Week Price Return	28.83%	3.80%
26-Week Price Return	31.29%	-16.85%
52-Week Price Return	31.15%	-17.76%
Month-to-Date Return	0.54%	-6.46%
Year-to-Date Return	21.82%	-25.86%
10-Day Avg. Volume	0.96M	2.80M
3-Month Avg. Volume	0.84M	2.59M
3-Month Volatility	21.00%	35.96%
Beta	1.13	0.97

Profitability

Return on Equity (TTM)

CMI

27.17%

Machinery Industry

Max: 33.68%
Q3: 20.05%
Median: 12.37%
Q1: 8.67%
Min: -7.69%

In the upper quartile for the Machinery industry, CMI’s Return on Equity of 27.17% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

GPN

6.36%

Financial Services Industry

Max: 39.28%
Q3: 18.88%
Median: 9.97%
Q1: 4.03%
Min: -10.25%

GPN’s Return on Equity of 6.36% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

CMI vs. GPN: A comparison of their Return on Equity (TTM) against their respective Machinery and Financial Services industry benchmarks.

Net Profit Margin (TTM)

CMI

8.72%

Machinery Industry

Max: 19.72%
Q3: 11.07%
Median: 7.62%
Q1: 5.05%
Min: -1.52%

CMI’s Net Profit Margin of 8.72% is aligned with the median group of its peers in the Machinery industry. This indicates its ability to convert revenue into profit is typical for the sector.

GPN

15.07%

Financial Services Industry

Max: 52.16%
Q3: 25.35%
Median: 12.68%
Q1: 6.11%
Min: -11.69%

GPN’s Net Profit Margin of 15.07% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

CMI vs. GPN: A comparison of their Net Profit Margin (TTM) against their respective Machinery and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

CMI

12.28%

Machinery Industry

Max: 26.63%
Q3: 15.99%
Median: 11.27%
Q1: 7.72%
Min: -0.51%

CMI’s Operating Profit Margin of 12.28% is around the midpoint for the Machinery industry, indicating that its efficiency in managing core business operations is typical for the sector.

GPN

23.26%

Financial Services Industry

Max: 75.57%
Q3: 37.78%
Median: 19.09%
Q1: 10.04%
Min: -19.42%

GPN’s Operating Profit Margin of 23.26% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

CMI vs. GPN: A comparison of their Operating Profit Margin (TTM) against their respective Machinery and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	CMI	GPN
Return on Equity (TTM)	27.17%	6.36%
Return on Assets (TTM)	9.02%	2.96%
Net Profit Margin (TTM)	8.72%	15.07%
Operating Profit Margin (TTM)	12.28%	23.26%
Gross Profit Margin (TTM)	25.96%	65.01%

Financial Strength

Current Ratio (MRQ)

CMI

1.64

Machinery Industry

Max: 3.13
Q3: 2.12
Median: 1.72
Q1: 1.34
Min: 0.77

CMI’s Current Ratio of 1.64 aligns with the median group of the Machinery industry, indicating that its short-term liquidity is in line with its sector peers.

GPN

0.95

Financial Services Industry

Max: 4.83
Q3: 2.70
Median: 1.44
Q1: 0.86
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CMI vs. GPN: A comparison of their Current Ratio (MRQ) against their respective Machinery and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CMI

0.69

Machinery Industry

Max: 1.56
Q3: 0.79
Median: 0.44
Q1: 0.27
Min: 0.00

CMI’s Debt-to-Equity Ratio of 0.69 is typical for the Machinery industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

GPN

0.74

Financial Services Industry

Max: 5.07
Q3: 2.14
Median: 0.66
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

CMI vs. GPN: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Machinery and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

CMI

Machinery Industry

Max: 81.58
Q3: 37.68
Median: 13.76
Q1: 7.97
Min: -1.43

Interest Coverage Ratio data for CMI is currently unavailable.

GPN

5.15

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

CMI vs. GPN: A comparison of their Interest Coverage Ratio (TTM) against their respective Machinery and Financial Services industry benchmarks.

Financial Strength at a Glance

Symbol	CMI	GPN
Current Ratio (MRQ)	1.64	0.95
Quick Ratio (MRQ)	0.87	0.90
Debt-to-Equity Ratio (MRQ)	0.69	0.74
Interest Coverage Ratio (TTM)	--	5.15

Growth

Revenue Growth

CMI vs. GPN: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CMI vs. GPN: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CMI

1.73%

Machinery Industry

Max: 4.55%
Q3: 2.66%
Median: 1.90%
Q1: 1.23%
Min: 0.00%

CMI’s Dividend Yield of 1.73% is consistent with its peers in the Machinery industry, providing a dividend return that is standard for its sector.

GPN

1.20%

Financial Services Industry

Max: 8.12%
Q3: 3.37%
Median: 1.70%
Q1: 0.00%
Min: 0.00%

GPN’s Dividend Yield of 1.20% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

CMI vs. GPN: A comparison of their Dividend Yield (TTM) against their respective Machinery and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

CMI

34.07%

Machinery Industry

Max: 198.34%
Q3: 101.42%
Median: 62.79%
Q1: 29.85%
Min: 0.00%

CMI’s Dividend Payout Ratio of 34.07% is within the typical range for the Machinery industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

GPN

17.30%

Financial Services Industry

Max: 132.10%
Q3: 64.32%
Median: 18.23%
Q1: 0.00%
Min: 0.00%

GPN’s Dividend Payout Ratio of 17.30% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CMI vs. GPN: A comparison of their Dividend Payout Ratio (TTM) against their respective Machinery and Financial Services industry benchmarks.

Dividend at a Glance

Symbol	CMI	GPN
Dividend Yield (TTM)	1.73%	1.20%
Dividend Payout Ratio (TTM)	34.07%	17.30%

Valuation

Price-to-Earnings Ratio (TTM)

CMI

19.75

Machinery Industry

Max: 47.95
Q3: 30.11
Median: 22.35
Q1: 16.56
Min: 6.48

CMI’s P/E Ratio of 19.75 is within the middle range for the Machinery industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

GPN

14.42

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

GPN’s P/E Ratio of 14.42 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

CMI vs. GPN: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Machinery and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

CMI

1.72

Machinery Industry

Max: 4.97
Q3: 2.76
Median: 1.65
Q1: 1.04
Min: 0.04

CMI’s P/S Ratio of 1.72 aligns with the market consensus for the Machinery industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

GPN

2.17

Financial Services Industry

Max: 10.88
Q3: 5.34
Median: 2.64
Q1: 1.24
Min: 0.06

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

CMI vs. GPN: A comparison of their Price-to-Sales Ratio (TTM) against their respective Machinery and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

CMI

3.83

Machinery Industry

Max: 7.29
Q3: 4.06
Median: 2.67
Q1: 1.54
Min: 0.52

CMI’s P/B Ratio of 3.83 is within the conventional range for the Machinery industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

GPN

0.86

Financial Services Industry

Max: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

GPN’s P/B Ratio of 0.86 is in the lower quartile for the Financial Services industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

CMI vs. GPN: A comparison of their Price-to-Book Ratio (MRQ) against their respective Machinery and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	CMI	GPN
Price-to-Earnings Ratio (TTM)	19.75	14.42
Price-to-Sales Ratio (TTM)	1.72	2.17
Price-to-Book Ratio (MRQ)	3.83	0.86
Price-to-Free Cash Flow Ratio (TTM)	31.96	6.60