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MMM 3M Company - Fundamental Analysis

NEUTRAL
MMM Stock | Fundamental Analysis & Investment Insights
NYSE Industrials Conglomerates
Current Price
$167.58
Analyst Target
$174.94
+4.4% Upside
52W High
$172.85
52W Low
$121.98

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Nov 15, 2025
Market cap
$90.64B
P/E
26.73
ROE
72.9%
Profit margin
13.7%
Debt/Equity
2.82
Dividend yield
1.74%

AI Analysis

Powered by advanced machine learning algorithms

Confidence Score
65%
Analysis Accuracy
3M Company trades near its 52-week high with strong price momentum over the past year (+29.7%) and solid long-term returns (3Y: +72.8%, 5Y: +39.8%), supported by robust gross margins (40.98%) and an analyst consensus rating of 'buy'. However, earnings have declined sharply YoY (-37.5%) and Q/Q (-39.2%), with zero earnings beats in the last four quarters, raising concerns about execution. Valuation appears stretched relative to growth, with a P/E of 26.73 exceeding the sector average of 26.79 despite subpar revenue growth (3.5% vs. peer avg 7.18%). Insider selling worth $7M over the past six months adds caution, even as the dividend remains well-covered with a 1.74% yield and 46% payout ratio.

Key Strengths

Gross margin of 40.98% significantly exceeds sector average of 9.41%, reflecting pricing power and cost discipline
Operating margin of 24.37% is among the highest in the industrials conglomerate peer group
ROE of 72.92% is exceptionally high, driven by financial engineering and leverage (Debt/Equity: 2.82)
Dividend payout ratio of 46.09% is sustainable given current earnings and cash flow profile
Analyst target price of $174.94 implies 4.4% upside, with unanimous buy rating from 16 analysts

Key Risks

Earnings declining sharply YoY (-37.5%) and Q/Q (-39.2%), indicating deteriorating profitability
Revenue growth of 3.5% lags peer average of 7.18%, with no recent earnings surprises to catalyze re-rating
Valuation rich at P/E 26.73 vs. forward P/E of 21.21, suggesting limited near-term multiple expansion
Insider selling activity totaling $7M over last 6 months signals lack of confidence from executives
Debt/Equity ratio of 2.82 is above peer average of 1.76, increasing financial risk in a higher-for-longer rate environment
AI Fair Value Estimate
Based on comprehensive analysis
$170.5
+1.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
57
Moderate
Value
50
Future
45
Past
60
Health
55
Dividend
75
AI Verdict
MMM presents a mixed profile: premium valuation and strong margins are offset by weak earnings growth and insider selling, placing it slightly above peers on profitability but below on momentum and execution; current price near 52-week high limits near-term upside despite analyst optimism.
Key drivers: High ROE and operating margins support quality perception, Negative earnings momentum and insider activity weigh on sentiment, Valuation premium requires growth acceleration to be sustained
Confidence
65%
Value
50/100

While forward valuation is in line with sector averages, the current P/E and P/B multiples appear stretched relative to MMM’s growth profile, especially when compared to HON (P/E 21.02) and PCAR (P/E 18.74), which exhibit stronger or more stable fundamentals.

Positives
  • Forward P/E of 21.21 is reasonable given sector average P/E of 26.79
  • Price/Sales of 3.65 is in line with conglomerate peers
Watchpoints
  • Current P/E of 26.73 is high for a company with only 3.5% revenue growth
  • Price/Book of 19.24 is extremely elevated, suggesting asset-light model or overvaluation
Future
45/100

Near-term growth trajectory is negative, with both revenue and earnings trending down, while price momentum (1Y +29.7%) appears disconnected from fundamentals, increasing risk of multiple contraction if growth doesn't rebound.

Positives
  • Analyst target implies upside, suggesting expectations for margin stabilization
  • Long-term innovation pipeline in safety and industrial segments may support future growth
Watchpoints
  • YoY and Q/Q earnings declines of -37.5% and -39.2% indicate weakening demand or cost pressures
  • No earnings beats in last 4 quarters erodes confidence in guidance accuracy
Past
60/100

Despite strong long-term returns (3Y: +72.8%) and high historical margins, MMM has consistently failed to beat earnings estimates over the past six years, undermining investor confidence in management execution.

Positives
  • Historical profitability strong with consistent ROA (7.97%) and high ROE (72.92%)
  • Five-year stock return of +39.8% reflects resilience and dividend reinvestment benefits
Watchpoints
  • Zero earnings beats in last 25 quarters indicates chronic underperformance vs expectations
  • Recent earnings surprises flat at 0.0%, signaling lack of positive catalysts
Health
55/100

While liquidity metrics are healthy, the elevated Debt/Equity ratio—higher than HON (2.15) and DE (2.67)—raises concerns about financial flexibility, particularly in a downturn or rising interest rate environment.

Positives
  • Current ratio of 1.84 indicates adequate short-term liquidity
  • Quick ratio of 1.03 suggests ability to meet immediate obligations without inventory
Watchpoints
  • Debt/Equity ratio of 2.82 is well above peer average of 1.76, increasing leverage risk
  • Lack of cash/debt data limits visibility into refinancing risk and liquidity runway
Dividend
75/100

The dividend appears sustainable given the current payout ratio and operating margins, though lack of visibility into free cash flow and a history of dividend growth tempers full confidence in long-term policy durability.

Positives
  • Dividend yield of 1.74% is modest but above DE (1.4%) and PCAR (1.6%)
  • Payout ratio of 46.09% is conservative, indicating strong coverage and sustainability
Watchpoints
  • No data on dividend growth history limits assessment of policy consistency
  • Dividend could be at risk if earnings continue to decline and leverage remains high

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$167.58
Analyst Target
$174.94
Upside/Downside
+4.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MMM and closest competitors.

Updated 2025-11-14
Company 5Y 3Y 1Y 6M 1M 1W
MMM
3M Company
Primary
+39.8% +72.8% +29.7% +11.0% +9.7% +2.1%
TT
Trane Technologies plc
Peer
+193.4% +145.3% +2.9% -2.1% -1.0% -3.8%
WM
Waste Management, Inc.
Peer
+85.7% +39.5% -4.3% -8.3% -2.1% +3.6%
NOC
Northrop Grumman Corporation
Peer
+93.9% +17.1% +13.5% +19.0% -8.4% -1.9%
JCI
Johnson Controls International plc
Peer
+189.6% +89.8% +41.2% +21.7% +7.1% -2.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
26.73
Forward P/E
21.21
PEG Ratio
N/A
P/B Ratio
19.24
P/S Ratio
3.65
EV/Revenue
3.91
EV/EBITDA
15.75
Market Cap
$90.64B

Profitability

Profit margins and return metrics

Profit Margin 13.7%
Operating Margin 24.37%
Gross Margin 40.98%
ROE 72.92%
ROA 7.97%

Growth

Revenue and earnings growth rates

Revenue Growth +3.5%
Earnings Growth -37.5%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth -39.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
2.82
High debt
Current Ratio
1.84
Good
Quick Ratio
1.03
Good
Cash/Share
$9.77

Quarterly Earnings History

EPS performance vs analyst estimates

2026-01-20
$N/A
2025-10-21
$2.19
+5.6% surprise
2025-07-18
$2.16
+7.4% surprise
2025-04-22
$1.88
+6.4% surprise

Industrials Sector Comparison

Comparing MMM against 28 companies in the Industrials sector (6 bullish, 21 neutral, 1 bearish)
P/E Ratio
26.73
This Stock
vs
32.92
Sector Avg
-18.8% (Discount)
Return on Equity (ROE)
72.92%
This Stock
vs
31.08%
Sector Avg
+134.6% (Excellent)
Profit Margin
13.7%
This Stock
vs
13.32%
Sector Avg
+2.8% (Better)
Debt to Equity
2.82
This Stock
vs
1.21
Sector Avg
+132.4% (Higher)
Revenue Growth
3.5%
This Stock
vs
6.01%
Sector Avg
-41.8% (Slower)
Current Ratio
1.84
This Stock
vs
1.82
Sector Avg
+1.0% (Better)

Similar Companies

Peer comparison within the same industry

Company AI Rating Market Cap P/E ROE Profit Margin Price
MMM
3M Company
NEUTRAL $90.64B 26.73 72.9% 13.7% $167.58
TT
Trane Technologies plc
BULLISH $92.72B 31.95 37.2% 13.9% $418.16
WM
Waste Management, Inc.
NEUTRAL $84.27B 32.89 29.3% 10.3% $209.17
NOC
Northrop Grumman Corporation
BULLISH $79.64B 20.08 26.2% 9.8% $558.0
JCI
Johnson Controls International plc
NEUTRAL $78.66B 44.97 11.4% 13.9% $118.72

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date Insider Position Transaction Shares Value
2025-10-29 MURPHY MARK W Chief Technology Officer Sale 19,061 $3,174,589
2025-10-29 MURPHY MARK W Chief Technology Officer Option Exercise 19,061 $2,724,579
2025-10-24 FITTERLING JAMES R Director Stock Award 269 $46,250
2025-10-01 BANOVETZ JOHN PATRICK Officer Stock Award 142 -
2025-10-01 RHODES KEVIN H Officer Stock Award 203 -
2025-10-01 MAHESHWARI ANURAG Chief Financial Officer Stock Award 10,944 -
2025-08-07 GORALSKI CHRISTIAN T JR President Sale 6,165 $925,860
2025-08-07 GORALSKI CHRISTIAN T JR President Option Exercise 6,650 $865,431
2025-08-05 REINSETH THERESA E Officer Sale 3,477 $523,741
2025-07-23 FITTERLING JAMES R Director Stock Award 305 $46,250
2025-07-01 BAUER WENDY A Officer Option Exercise 7,951 $1,222,943
2025-05-23 BANOVETZ JOHN PATRICK Officer Sale 7,759 $1,151,237
2025-05-23 BANOVETZ JOHN PATRICK Officer Option Exercise 7,759 $1,009,756
2025-05-20 RHODES KEVIN H Officer Sale 7,976 $1,228,464
2025-05-20 RHODES KEVIN H Officer Option Exercise 7,976 $1,037,997
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
16 analysts
UBS
2025-10-22
main
Buy Buy
Barclays
2025-10-22
main
Overweight Overweight
Morgan Stanley
2025-10-22
up
Underweight Equal-Weight
RBC Capital
2025-10-22
main
Underperform Underperform
Wells Fargo
2025-10-22
main
Overweight Overweight
JP Morgan
2025-10-15
main
Overweight Overweight
Citigroup
2025-10-09
main
Neutral Neutral
Wells Fargo
2025-10-06
main
Overweight Overweight
Barclays
2025-07-21
main
Overweight Overweight
Barclays
2025-07-09
main
Overweight Overweight