WallStSmart

The Andersons Inc (ANDE)vsUnited Natural Foods Inc (UNFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Natural Foods Inc generates 187% more annual revenue ($31.54B vs $11.01B). ANDE leads profitability with a 87.0% profit margin vs -25.0%. ANDE appears more attractively valued with a PEG of 0.90. ANDE earns a higher WallStSmart Score of 61/100 (C+).

ANDE

Buy

61

out of 100

Grade: C+

Growth: 4.7Profit: 6.0Value: 10.0Quality: 5.0

UNFI

Hold

44

out of 100

Grade: D

Growth: 2.7Profit: 4.5Value: 6.7Quality: 5.8
Piotroski: 3/9Altman Z: 4.73
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ANDEUndervalued (+47.1%)

Margin of Safety

+47.1%

Fair Value

$130.57

Current Price

$73.19

$57.38 discount

UndervaluedFair: $130.57Overvalued

Intrinsic value data unavailable for UNFI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ANDE4 strengths · Avg: 9.0/10
Profit MarginProfitability
87.0%10/10

Keeps 87 of every $100 in revenue as profit

EPS GrowthGrowth
51.4%10/10

Earnings expanding 51.4% YoY

PEG RatioValuation
0.908/10

Growing faster than its price suggests

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

UNFI3 strengths · Avg: 9.3/10
Operating MarginProfitability
107.0%10/10

Strong operational efficiency at 107.0%

Altman Z-ScoreHealth
4.7310/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

ANDE4 concerns · Avg: 2.8/10
P/E RatioValuation
26.2x4/10

Moderate valuation

Operating MarginProfitability
3.7%3/10

Operating margin of 3.7%

Revenue GrowthGrowth
-18.8%2/10

Revenue declined 18.8%

Free Cash FlowQuality
$-77.10M2/10

Negative free cash flow — burning cash

UNFI4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-4.8%2/10

ROE of -4.8% — below average capital efficiency

Revenue GrowthGrowth
-2.6%2/10

Revenue declined 2.6%

EPS GrowthGrowth
-89.3%2/10

Earnings declined 89.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : ANDE

The strongest argument for ANDE centers on Profit Margin, EPS Growth, PEG Ratio. Profitability is solid with margins at 87.0% and operating margin at 3.7%. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : UNFI

The strongest argument for UNFI centers on Operating Margin, Altman Z-Score, Price/Book. PEG of 1.09 suggests the stock is reasonably priced for its growth.

Bear Case : ANDE

The primary concerns for ANDE are P/E Ratio, Operating Margin, Revenue Growth.

Bear Case : UNFI

The primary concerns for UNFI are Piotroski F-Score, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

ANDE profiles as a declining stock while UNFI is a turnaround play — different risk/reward profiles.

UNFI carries more volatility with a beta of 0.95 — expect wider price swings.

UNFI is growing revenue faster at -2.6% — sustainability is the question.

UNFI generates stronger free cash flow (243M), providing more financial flexibility.

Bottom Line

ANDE scores higher overall (61/100 vs 44/100), backed by strong 87.0% margins. 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.

United Natural Foods Inc

CONSUMER DEFENSIVE · FOOD DISTRIBUTION · USA

United Natural Foods, Inc. distributes natural, organic, specialty, agricultural and conventional, edible and non-food products in the United States and Canada. The company is headquartered in Providence, Rhode Island.

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