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ANDERSONS INC/THE (ANDE) Stock Fundamental Analysis

NASDAQ:ANDE - Nasdaq - US0341641035 - Common Stock - Currency: USD

36.47  +0.81 (+2.27%)

After market: 36.47 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ANDE. ANDE was compared to 41 industry peers in the Consumer Staples Distribution & Retail industry. While ANDE is still in line with the averages on profitability rating, there are concerns on its financial health. ANDE is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

ANDE had positive earnings in the past year.
ANDE had a positive operating cash flow in the past year.
ANDE had positive earnings in each of the past 5 years.
In multiple years ANDE reported negative operating cash flow during the last 5 years.
ANDE Yearly Net Income VS EBIT VS OCF VS FCFANDE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M 800M

1.2 Ratios

The Return On Assets of ANDE (2.86%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 8.02%, ANDE is in line with its industry, outperforming 48.78% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.95%, ANDE is in line with its industry, outperforming 53.66% of the companies in the same industry.
ANDE had an Average Return On Invested Capital over the past 3 years of 7.58%. This is in line with the industry average of 7.97%.
Industry RankSector Rank
ROA 2.86%
ROE 8.02%
ROIC 5.95%
ROA(3y)2.74%
ROA(5y)2.14%
ROE(3y)9.05%
ROE(5y)7.54%
ROIC(3y)7.58%
ROIC(5y)N/A
ANDE Yearly ROA, ROE, ROICANDE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 0.97%, ANDE perfoms like the industry average, outperforming 46.34% of the companies in the same industry.
In the last couple of years the Profit Margin of ANDE has grown nicely.
ANDE's Operating Margin of 1.68% is in line compared to the rest of the industry. ANDE outperforms 43.90% of its industry peers.
In the last couple of years the Operating Margin of ANDE has grown nicely.
With a Gross Margin value of 6.42%, ANDE is not doing good in the industry: 92.68% of the companies in the same industry are doing better.
ANDE's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 1.68%
PM (TTM) 0.97%
GM 6.42%
OM growth 3Y8.05%
OM growth 5Y21.55%
PM growth 3Y7.09%
PM growth 5Y35.11%
GM growth 3Y9.45%
GM growth 5Y1.36%
ANDE Yearly Profit, Operating, Gross MarginsANDE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ANDE is destroying value.
ANDE has more shares outstanding than it did 1 year ago.
ANDE has more shares outstanding than it did 5 years ago.
ANDE has a worse debt/assets ratio than last year.
ANDE Yearly Shares OutstandingANDE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
ANDE Yearly Total Debt VS Total AssetsANDE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

An Altman-Z score of 4.11 indicates that ANDE is not in any danger for bankruptcy at the moment.
ANDE has a Altman-Z score of 4.11. This is comparable to the rest of the industry: ANDE outperforms 53.66% of its industry peers.
The Debt to FCF ratio of ANDE is 16.75, which is on the high side as it means it would take ANDE, 16.75 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ANDE (16.75) is worse than 63.41% of its industry peers.
A Debt/Equity ratio of 0.60 indicates that ANDE is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.60, ANDE perfoms like the industry average, outperforming 51.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 16.75
Altman-Z 4.11
ROIC/WACC0.52
WACC11.4%
ANDE Yearly LT Debt VS Equity VS FCFANDE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

2.3 Liquidity

A Current Ratio of 1.76 indicates that ANDE should not have too much problems paying its short term obligations.
With an excellent Current ratio value of 1.76, ANDE belongs to the best of the industry, outperforming 82.93% of the companies in the same industry.
A Quick Ratio of 0.89 indicates that ANDE may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.89, ANDE is doing good in the industry, outperforming 75.61% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.76
Quick Ratio 0.89
ANDE Yearly Current Assets VS Current LiabilitesANDE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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3

3. Growth

3.1 Past

The earnings per share for ANDE have decreased by -2.06% in the last year.
The Earnings Per Share has been growing by 20.99% on average over the past years. This is a very strong growth
The Revenue for ANDE has decreased by -17.58% in the past year. This is quite bad
Measured over the past years, ANDE shows a small growth in Revenue. The Revenue has been growing by 7.06% on average per year.
EPS 1Y (TTM)-2.06%
EPS 3Y3.27%
EPS 5Y20.99%
EPS Q2Q%-25%
Revenue 1Y (TTM)-17.58%
Revenue growth 3Y-3.72%
Revenue growth 5Y7.06%
Sales Q2Q%-2.17%

3.2 Future

ANDE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.15% yearly.
ANDE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.12% yearly.
EPS Next Y-33.72%
EPS Next 2Y-6.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.23%
Revenue Next 2Y5.12%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ANDE Yearly Revenue VS EstimatesANDE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5B 10B 15B
ANDE Yearly EPS VS EstimatesANDE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.95 indicates a reasonable valuation of ANDE.
87.80% of the companies in the same industry are more expensive than ANDE, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ANDE to the average of the S&P500 Index (26.31), we can say ANDE is valued rather cheaply.
A Price/Forward Earnings ratio of 12.29 indicates a correct valuation of ANDE.
Based on the Price/Forward Earnings ratio, ANDE is valued cheaply inside the industry as 85.37% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.13. ANDE is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 10.95
Fwd PE 12.29
ANDE Price Earnings VS Forward Price EarningsANDE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ANDE indicates a rather cheap valuation: ANDE is cheaper than 90.24% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ANDE is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 23.91
EV/EBITDA 5.16
ANDE Per share dataANDE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

A cheap valuation may be justified as ANDE's earnings are expected to decrease with -6.15% in the coming years.
PEG (NY)N/A
PEG (5Y)0.52
EPS Next 2Y-6.15%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

ANDE has a Yearly Dividend Yield of 2.28%.
ANDE's Dividend Yield is rather good when compared to the industry average which is at 2.18. ANDE pays more dividend than 85.37% of the companies in the same industry.
ANDE's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.28%

5.2 History

The dividend of ANDE has a limited annual growth rate of 1.62%.
ANDE has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)1.62%
Div Incr Years0
Div Non Decr Years0
ANDE Yearly Dividends per shareANDE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

24.33% of the earnings are spent on dividend by ANDE. This is a low number and sustainable payout ratio.
DP24.33%
EPS Next 2Y-6.15%
EPS Next 3YN/A
ANDE Yearly Income VS Free CF VS DividendANDE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M
ANDE Dividend Payout.ANDE Dividend Payout, showing the Payout Ratio.ANDE Dividend Payout.PayoutRetained Earnings

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ANDERSONS INC/THE

NASDAQ:ANDE (6/13/2025, 8:00:01 PM)

After market: 36.47 0 (0%)

36.47

+0.81 (+2.27%)

Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupConsumer Staples Distribution & Retail
GICS IndustryConsumer Staples Distribution & Retail
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners90.48%
Inst Owner Change1.74%
Ins Owners4.21%
Ins Owner Change11.3%
Market Cap1.25B
Analysts82.22
Price Target47.6 (30.52%)
Short Float %1.86%
Short Ratio1.63
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly Dividend0.77
Dividend Growth(5Y)1.62%
DP24.33%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-01 2025-04-01 (0.195)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)131.29%
Min EPS beat(2)44.93%
Max EPS beat(2)217.65%
EPS beat(4)3
Avg EPS beat(4)84.85%
Min EPS beat(4)-5.56%
Max EPS beat(4)217.65%
EPS beat(8)6
Avg EPS beat(8)64.81%
EPS beat(12)10
Avg EPS beat(12)67.14%
EPS beat(16)13
Avg EPS beat(16)71.49%
Revenue beat(2)1
Avg Revenue beat(2)2.42%
Min Revenue beat(2)-7.83%
Max Revenue beat(2)12.67%
Revenue beat(4)1
Avg Revenue beat(4)-5.23%
Min Revenue beat(4)-14.36%
Max Revenue beat(4)12.67%
Revenue beat(8)1
Avg Revenue beat(8)-10.4%
Revenue beat(12)4
Avg Revenue beat(12)-2.93%
Revenue beat(16)8
Avg Revenue beat(16)4.68%
PT rev (1m)-6.67%
PT rev (3m)-15.15%
EPS NQ rev (1m)-55.65%
EPS NQ rev (3m)-55.65%
EPS NY rev (1m)-30.91%
EPS NY rev (3m)-39.25%
Revenue NQ rev (1m)-1.35%
Revenue NQ rev (3m)-1.35%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.37%
Valuation
Industry RankSector Rank
PE 10.95
Fwd PE 12.29
P/S 0.11
P/FCF 23.91
P/OCF 5.64
P/B 0.92
P/tB 0.92
EV/EBITDA 5.16
EPS(TTM)3.33
EY9.13%
EPS(NY)2.97
Fwd EY8.14%
FCF(TTM)1.53
FCFY4.18%
OCF(TTM)6.47
OCFY17.73%
SpS327.54
BVpS39.65
TBVpS39.65
PEG (NY)N/A
PEG (5Y)0.52
Profitability
Industry RankSector Rank
ROA 2.86%
ROE 8.02%
ROCE 7.97%
ROIC 5.95%
ROICexc 6.5%
ROICexgc 6.5%
OM 1.68%
PM (TTM) 0.97%
GM 6.42%
FCFM 0.47%
ROA(3y)2.74%
ROA(5y)2.14%
ROE(3y)9.05%
ROE(5y)7.54%
ROIC(3y)7.58%
ROIC(5y)N/A
ROICexc(3y)9.49%
ROICexc(5y)N/A
ROICexgc(3y)10.72%
ROICexgc(5y)N/A
ROCE(3y)9.94%
ROCE(5y)N/A
ROICexcg growth 3Y10.33%
ROICexcg growth 5Y36.01%
ROICexc growth 3Y10.51%
ROICexc growth 5Y36.71%
OM growth 3Y8.05%
OM growth 5Y21.55%
PM growth 3Y7.09%
PM growth 5Y35.11%
GM growth 3Y9.45%
GM growth 5Y1.36%
F-Score5
Asset Turnover2.95
Health
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 16.75
Debt/EBITDA 2.54
Cap/Depr 128.79%
Cap/Sales 1.51%
Interest Coverage 250
Cash Conversion 69.17%
Profit Quality 47.97%
Current Ratio 1.76
Quick Ratio 0.89
Altman-Z 4.11
F-Score5
WACC11.4%
ROIC/WACC0.52
Cap/Depr(3y)113.57%
Cap/Depr(5y)88.41%
Cap/Sales(3y)1.05%
Cap/Sales(5y)1.02%
Profit Quality(3y)353.13%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.06%
EPS 3Y3.27%
EPS 5Y20.99%
EPS Q2Q%-25%
EPS Next Y-33.72%
EPS Next 2Y-6.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.58%
Revenue growth 3Y-3.72%
Revenue growth 5Y7.06%
Sales Q2Q%-2.17%
Revenue Next Year5.23%
Revenue Next 2Y5.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-18.51%
EBIT growth 3Y4.04%
EBIT growth 5Y30.13%
EBIT Next Year95.23%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-94.12%
FCF growth 3YN/A
FCF growth 5Y18.48%
OCF growth 1Y-78.5%
OCF growth 3YN/A
OCF growth 5Y-1%