WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Mosaic Company generates 70% more annual revenue ($12.05B vs $7.08B). CF leads profitability with a 20.5% profit margin vs 4.5%. MOS appears more attractively valued with a PEG of 1.48. CF earns a higher WallStSmart Score of 76/100 (B+).

CF

Strong Buy

76

out of 100

Grade: B+

Growth: 6.7Profit: 8.5Value: 7.3Quality: 8.3
Piotroski: 6/9

MOS

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 4.0Value: 10.0Quality: 7.0
Piotroski: 5/9Altman Z: 2.22
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CFUndervalued (+77.1%)

Margin of Safety

+77.1%

Fair Value

$423.07

Current Price

$125.54

$297.53 discount

UndervaluedFair: $423.07Overvalued
MOSUndervalued (+60.9%)

Margin of Safety

+60.9%

Fair Value

$79.56

Current Price

$26.21

$53.35 discount

UndervaluedFair: $79.56Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CF6 strengths · Avg: 8.7/10
Operating MarginProfitability
35.3%10/10

Strong operational efficiency at 35.3%

Return on EquityProfitability
23.4%9/10

Every $100 of equity generates 23 in profit

Profit MarginProfitability
20.5%9/10

Keeps 21 of every $100 in revenue as profit

P/E RatioValuation
13.6x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
22.8%8/10

Revenue surging 22.8% year-over-year

EPS GrowthGrowth
37.1%8/10

Earnings expanding 37.1% YoY

MOS3 strengths · Avg: 9.3/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

EPS GrowthGrowth
239.5%10/10

Earnings expanding 239.5% YoY

P/E RatioValuation
16.3x8/10

Attractively priced relative to earnings

Areas to Watch

CF1 concerns · Avg: 2.0/10
PEG RatioValuation
5.662/10

Expensive relative to growth rate

MOS4 concerns · Avg: 2.8/10
Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Profit MarginProfitability
4.5%3/10

4.5% margin — thin

Operating MarginProfitability
2.8%3/10

Operating margin of 2.8%

Free Cash FlowQuality
$-405.70M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CF

The strongest argument for CF centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 20.5% and operating margin at 35.3%. Revenue growth of 22.8% demonstrates continued momentum.

Bull Case : MOS

The strongest argument for MOS centers on Price/Book, EPS Growth, P/E Ratio. PEG of 1.48 suggests the stock is reasonably priced for its growth.

Bear Case : CF

The primary concerns for CF are PEG Ratio.

Bear Case : MOS

The primary concerns for MOS are Return on Equity, Profit Margin, Operating Margin. Thin 4.5% 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 0.95 — expect wider price swings.

CF is growing revenue faster at 22.8% — sustainability is the question.

CF generates stronger free cash flow (313M), providing more financial flexibility.

Bottom Line

CF scores higher overall (76/100 vs 64/100), backed by strong 20.5% margins and 22.8% revenue growth. MOS offers better value entry with a 60.9% 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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