WallStSmart

The Andersons Inc (ANDE)vsUnilever PLC ADR (UL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Unilever PLC ADR generates 359% more annual revenue ($50.50B vs $11.01B). UL leads profitability with a 18.8% profit margin vs 0.9%. ANDE appears more attractively valued with a PEG of 0.90. ANDE earns a higher WallStSmart Score of 59/100 (C).

ANDE

Buy

59

out of 100

Grade: C

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

UL

Hold

46

out of 100

Grade: D+

Growth: 2.0Profit: 8.5Value: 4.3Quality: 5.0
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

Intrinsic value data unavailable for UL.

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

UL4 strengths · Avg: 8.8/10
Return on EquityProfitability
31.0%10/10

Every $100 of equity generates 31 in profit

Market CapQuality
$128.81B9/10

Large-cap with strong market position

Operating MarginProfitability
20.1%8/10

Strong operational efficiency at 20.1%

Free Cash FlowQuality
$5.48B8/10

Generating 5.5B in free cash flow

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%

UL3 concerns · Avg: 2.0/10
PEG RatioValuation
11.152/10

Expensive relative to growth rate

Revenue GrowthGrowth
-3.2%2/10

Revenue declined 3.2%

EPS GrowthGrowth
-3.4%2/10

Earnings declined 3.4%

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 : UL

The strongest argument for UL centers on Return on Equity, Market Cap, Operating Margin. Profitability is solid with margins at 18.8% and operating margin at 20.1%.

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 : UL

The primary concerns for UL are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

ANDE profiles as a value stock while UL is a declining play — different risk/reward profiles.

ANDE carries more volatility with a beta of 0.69 — expect wider price swings.

UL is growing revenue faster at -3.2% — sustainability is the question.

UL generates stronger free cash flow (5.5B), providing more financial flexibility.

Bottom Line

ANDE scores higher overall (59/100 vs 46/100). Both earn "Buy" and "Hold" 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.

Unilever PLC ADR

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

Unilever PLC is a fast moving consumer goods company in Asia, Africa, the Middle East, Turkey, Russia, Ukraine, Belarus, America and Europe. The company is headquartered in London, the United Kingdom.

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