WallStSmart

The Andersons Inc (ANDE)vsCalavo Growers Inc (CVGW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Andersons Inc generates 1681% more annual revenue ($10.98B vs $616.25M). CVGW leads profitability with a 2.6% profit margin vs 1.2%. 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: 4.5Value: 8.0Quality: 6.0
Piotroski: 5/9Altman Z: 4.07

CVGW

Hold

39

out of 100

Grade: F

Growth: 2.0Profit: 4.5Value: 4.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ANDEUndervalued (+40.2%)

Margin of Safety

+40.2%

Fair Value

$115.63

Current Price

$72.81

$42.82 discount

UndervaluedFair: $115.63Overvalued
CVGWUndervalued (+14.3%)

Margin of Safety

+14.3%

Fair Value

$29.27

Current Price

$26.09

$3.18 discount

UndervaluedFair: $29.27Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ANDE4 strengths · Avg: 9.0/10
EPS GrowthGrowth
11547.0%10/10

Earnings expanding 11547.0% YoY

Altman Z-ScoreHealth
4.0710/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.908/10

Growing faster than its price suggests

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

CVGW1 strengths · Avg: 8.0/10
Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

ANDE4 concerns · Avg: 2.8/10
Profit MarginProfitability
1.2%3/10

1.2% margin — thin

Operating MarginProfitability
0.6%3/10

Operating margin of 0.6%

Debt/EquityHealth
1.033/10

Elevated debt levels

Revenue GrowthGrowth
-1.2%2/10

Revenue declined 1.2%

CVGW4 concerns · Avg: 3.3/10
P/E RatioValuation
29.4x4/10

Moderate valuation

Market CapQuality
$472.95M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
8.0%3/10

ROE of 8.0% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : ANDE

The strongest argument for ANDE centers on EPS Growth, Altman Z-Score, PEG Ratio. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : CVGW

The strongest argument for CVGW centers on Price/Book.

Bear Case : ANDE

The primary concerns for ANDE are Profit Margin, Operating Margin, Debt/Equity. Thin 1.2% margins leave little buffer for downturns.

Bear Case : CVGW

The primary concerns for CVGW are P/E Ratio, Market Cap, Return on Equity. Thin 2.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

ANDE carries more volatility with a beta of 0.65 — expect wider price swings.

ANDE is growing revenue faster at -1.2% — sustainability is the question.

CVGW generates stronger free cash flow (-9M), providing more financial flexibility.

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

Bottom Line

ANDE scores higher overall (61/100 vs 39/100). 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.

Calavo Growers Inc

CONSUMER DEFENSIVE · FOOD DISTRIBUTION · USA

Calavo Growers, Inc. markets and distributes avocados, prepared avocados, and other perishable foods to grocery and foodservice retail customers, club stores, mass merchandisers, food distributors, and wholesale customers globally. The company is headquartered in Santa Paula, California.

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