WallStSmart

CF Industries Holdings Inc (CF)vsThe Mosaic Company (MOS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Mosaic Company generates 58% more annual revenue ($12.25B vs $7.74B). CF leads profitability with a 27.1% profit margin vs -5.2%. CF appears more attractively valued with a PEG of 0.60. CF earns a higher WallStSmart Score of 83/100 (A-).

CF

Exceptional Buy

83

out of 100

Grade: A-

Growth: 6.7Profit: 9.5Value: 9.3Quality: 8.0
Piotroski: 6/9Altman Z: 2.37

MOS

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 3.0Value: 6.3Quality: 6.5
Piotroski: 6/9Altman Z: 2.16
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CFUndervalued (+41.0%)

Margin of Safety

+41.0%

Fair Value

$226.95

Current Price

$133.82

$93.13 discount

UndervaluedFair: $226.95Overvalued
MOSUndervalued (+53.4%)

Margin of Safety

+53.4%

Fair Value

$66.82

Current Price

$24.48

$42.34 discount

UndervaluedFair: $66.82Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CF6 strengths · Avg: 9.5/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
36.5%10/10

Every $100 of equity generates 37 in profit

Operating MarginProfitability
49.3%10/10

Strong operational efficiency at 49.3%

EPS GrowthGrowth
99.6%10/10

Earnings expanding 99.6% YoY

Profit MarginProfitability
27.1%9/10

Keeps 27 of every $100 in revenue as profit

PEG RatioValuation
0.608/10

Growing faster than its price suggests

MOS2 strengths · Avg: 10.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

EPS GrowthGrowth
239.5%10/10

Earnings expanding 239.5% YoY

Areas to Watch

CF0 concerns · Avg: 0/10

No major concerns identified

MOS4 concerns · Avg: 2.8/10
PEG RatioValuation
2.024/10

Expensive relative to growth rate

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Revenue GrowthGrowth
-6.0%2/10

Revenue declined 6.0%

Free Cash FlowQuality
$-152.90M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CF

The strongest argument for CF centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 27.1% and operating margin at 49.3%. Revenue growth of 17.6% demonstrates continued momentum.

Bull Case : MOS

The strongest argument for MOS centers on Price/Book, EPS Growth.

Bear Case : CF

No major red flags identified for CF, but monitor valuation.

Bear Case : MOS

The primary concerns for MOS are PEG Ratio, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

CF profiles as a growth stock while MOS is a turnaround play — different risk/reward profiles.

MOS carries more volatility with a beta of 0.83 — expect wider price swings.

CF is growing revenue faster at 17.6% — sustainability is the question.

CF generates stronger free cash flow (607M), providing more financial flexibility.

Bottom Line

CF scores higher overall (83/100 vs 52/100), backed by strong 27.1% margins and 17.6% revenue growth. MOS offers better value entry with a 53.4% margin of safety. Both earn "Exceptional 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.

CF Industries Holdings Inc

BASIC MATERIALS · AGRICULTURAL INPUTS · USA

CF Industries Holdings, Inc. is a North American manufacturer and distributor of agricultural fertilizers, based in Deerfield, Illinois.

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The Mosaic Company

BASIC MATERIALS · AGRICULTURAL INPUTS · USA

The Mosaic Company is a Fortune 500 company based in Tampa, Florida which mines phosphate and potash, and operates through segments such as international distribution and Mosaic Fertilizantes.

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