WallStSmart

The Andersons Inc (ANDE)vsDollar Tree Inc (DLTR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Dollar Tree Inc generates 76% more annual revenue ($19.41B vs $11.01B). DLTR leads profitability with a 6.6% profit margin vs 0.9%. ANDE appears more attractively valued with a PEG of 0.90. DLTR earns a higher WallStSmart Score of 65/100 (B-).

ANDE

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 4.5Value: 8.0Quality: 5.0

DLTR

Strong Buy

65

out of 100

Grade: B-

Growth: 6.0Profit: 6.5Value: 7.3Quality: 5.0
Piotroski: 6/9Altman Z: 1.82
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ANDEUndervalued (+64.2%)

Margin of Safety

+64.2%

Fair Value

$192.80

Current Price

$77.60

$115.20 discount

UndervaluedFair: $192.80Overvalued
DLTRUndervalued (+26.4%)

Margin of Safety

+26.4%

Fair Value

$169.84

Current Price

$97.11

$72.73 discount

UndervaluedFair: $169.84Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ANDE3 strengths · Avg: 8.7/10
EPS GrowthGrowth
51.4%10/10

Earnings expanding 51.4% YoY

PEG RatioValuation
0.908/10

Growing faster than its price suggests

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

DLTR2 strengths · Avg: 9.0/10
Return on EquityProfitability
31.7%10/10

Every $100 of equity generates 32 in profit

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Areas to Watch

ANDE4 concerns · Avg: 3.0/10
P/E RatioValuation
27.8x4/10

Moderate valuation

Profit MarginProfitability
0.9%3/10

0.9% margin — thin

Operating MarginProfitability
3.7%3/10

Operating margin of 3.7%

Revenue GrowthGrowth
-18.8%2/10

Revenue declined 18.8%

DLTR3 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.824/10

Grey zone — moderate risk

Profit MarginProfitability
6.6%3/10

6.6% margin — thin

Debt/EquityHealth
1.513/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ANDE

The strongest argument for ANDE centers on EPS Growth, PEG Ratio, Price/Book. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : DLTR

The strongest argument for DLTR centers on Return on Equity, P/E Ratio. PEG of 1.12 suggests the stock is reasonably priced for its growth.

Bear Case : ANDE

The primary concerns for ANDE are P/E Ratio, Profit Margin, Operating Margin. Thin 0.9% margins leave little buffer for downturns.

Bear Case : DLTR

The primary concerns for DLTR are Altman Z-Score, Profit Margin, Debt/Equity. Debt-to-equity of 1.51 is elevated, increasing financial risk.

Key Dynamics to Monitor

DLTR carries more volatility with a beta of 0.74 — expect wider price swings.

DLTR is growing revenue faster at 9.0% — sustainability is the question.

DLTR generates stronger free cash flow (970M), providing more financial flexibility.

Monitor FOOD DISTRIBUTION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

DLTR scores higher overall (65/100 vs 59/100). ANDE offers better value entry with a 64.2% margin of safety. Both earn "Strong 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.

The Andersons Inc

CONSUMER DEFENSIVE · FOOD DISTRIBUTION · USA

Andersons, Inc., an agricultural company, operates in the commerce, ethanol, plant nutrients, and railroad sectors in the United States and internationally. The company is headquartered in Maumee, Ohio.

Dollar Tree Inc

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Dollar Tree is an American chain of discount variety stores that sells items for $1 or less, headquartered in Chesapeake, Virginia.

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