WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Mosaic Company generates 68% more annual revenue ($12.43B vs $7.41B). CF leads profitability with a 23.7% profit margin vs 0.4%. MOS appears more attractively valued with a PEG of 2.02. CF earns a higher WallStSmart Score of 75/100 (B).

CF

Strong Buy

75

out of 100

Grade: B

Growth: 6.7Profit: 9.0Value: 7.3Quality: 8.0
Piotroski: 6/9Altman Z: 2.37

MOS

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 4.0Value: 5.3Quality: 7.5
Piotroski: 6/9Altman Z: 2.16
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CFUndervalued (+49.7%)

Margin of Safety

+49.7%

Fair Value

$217.58

Current Price

$117.54

$100.04 discount

UndervaluedFair: $217.58Overvalued
MOSUndervalued (+55.4%)

Margin of Safety

+55.4%

Fair Value

$69.84

Current Price

$22.24

$47.60 discount

UndervaluedFair: $69.84Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CF6 strengths · Avg: 9.5/10
P/E RatioValuation
9.9x10/10

Attractively priced relative to earnings

Return on EquityProfitability
32.9%10/10

Every $100 of equity generates 33 in profit

Operating MarginProfitability
33.6%10/10

Strong operational efficiency at 33.6%

EPS GrowthGrowth
115.1%10/10

Earnings expanding 115.1% YoY

Profit MarginProfitability
23.7%9/10

Keeps 24 of every $100 in revenue as profit

Revenue GrowthGrowth
19.4%8/10

19.4% revenue growth

MOS3 strengths · Avg: 9.7/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

EPS GrowthGrowth
239.5%10/10

Earnings expanding 239.5% YoY

Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

Areas to Watch

CF1 concerns · Avg: 2.0/10
PEG RatioValuation
3.252/10

Expensive relative to growth rate

MOS4 concerns · Avg: 3.3/10
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

Profit MarginProfitability
0.4%3/10

0.4% margin — thin

Operating MarginProfitability
0.8%3/10

Operating margin of 0.8%

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 23.7% and operating margin at 33.6%. Revenue growth of 19.4% demonstrates continued momentum.

Bull Case : MOS

The strongest argument for MOS centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 14.4% demonstrates continued momentum.

Bear Case : CF

The primary concerns for CF are PEG Ratio.

Bear Case : MOS

The primary concerns for MOS are PEG Ratio, Return on Equity, Profit Margin. A P/E of 162.1x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

MOS carries more volatility with a beta of 0.81 — expect wider price swings.

CF is growing revenue faster at 19.4% — sustainability is the question.

CF generates stronger free cash flow (273M), providing more financial flexibility.

Bottom Line

CF scores higher overall (75/100 vs 62/100), backed by strong 23.7% margins and 19.4% revenue growth. MOS offers better value entry with a 55.4% 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.

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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