WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Natural Foods Inc generates 185% more annual revenue ($31.15B vs $10.94B). ANDE leads profitability with a 1.6% profit margin vs 0.3%. ANDE appears more attractively valued with a PEG of 0.90. ANDE earns a higher WallStSmart Score of 63/100 (C+).

ANDE

Buy

63

out of 100

Grade: C+

Growth: 4.7Profit: 5.0Value: 8.7Quality: 7.0
Piotroski: 5/9Altman Z: 4.07

UNFI

Hold

49

out of 100

Grade: D+

Growth: 2.7Profit: 3.5Value: 5.0Quality: 5.5
Piotroski: 3/9Altman Z: 4.73
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ANDEUndervalued (+39.2%)

Margin of Safety

+39.2%

Fair Value

$113.59

Current Price

$70.97

$42.62 discount

UndervaluedFair: $113.59Overvalued

Intrinsic value data unavailable for UNFI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ANDE5 strengths · Avg: 8.8/10
EPS GrowthGrowth
618.0%10/10

Earnings expanding 618.0% YoY

Altman Z-ScoreHealth
4.0710/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.908/10

Growing faster than its price suggests

P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

UNFI2 strengths · Avg: 9.0/10
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

ANDE3 concerns · Avg: 2.7/10
Profit MarginProfitability
1.6%3/10

1.6% margin — thin

Operating MarginProfitability
1.6%3/10

Operating margin of 1.6%

Revenue GrowthGrowth
-1.2%2/10

Revenue declined 1.2%

UNFI4 concerns · Avg: 3.3/10
P/E RatioValuation
33.3x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
0.3%3/10

0.3% margin — thin

Operating MarginProfitability
1.1%3/10

Operating margin of 1.1%

Debt/EquityHealth
1.973/10

Elevated debt levels

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 : UNFI

The strongest argument for UNFI centers on 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 Profit Margin, Operating Margin, Revenue Growth. Thin 1.6% margins leave little buffer for downturns.

Bear Case : UNFI

The primary concerns for UNFI are P/E Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.97 is elevated, increasing financial risk. Thin 0.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

UNFI is growing revenue faster at -0.7% — sustainability is the question.

ANDE generates stronger free cash flow (412M), providing more financial flexibility.

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

Bottom Line

ANDE scores higher overall (63/100 vs 49/100). 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.

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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