📊 ANDE Key Takeaways
Is Andersons, Inc. (ANDE) a Good Investment?
Andersons demonstrates strong revenue growth (+619% YoY) driven by commodity price cycles in wholesale farm products, but this growth masks concerning profitability deterioration with net income declining 19.8% YoY despite massive top-line expansion. The company's negative free cash flow of -$56.1M, combined with thin margins (0.9% net margin) and capital expenditures exceeding operating cash flow, raises questions about growth quality and cash generation sustainability.
Andersons shows solid balance-sheet discipline and strong debt-servicing capacity, with moderate leverage, adequate liquidity, and healthy operating cash generation. However, the quality of recent growth looks mixed: revenue surged while net income declined, margins remain very thin, and free cash flow turned negative due to elevated capital spending. Fundamentally, this supports a neutral view until stronger earnings conversion and sustained cash flow improvement are evident.
Why Buy Andersons, Inc. Stock? ANDE Key Strengths
- Exceptional revenue growth of 619% YoY indicating strong market demand in agricultural commodities
- Solid interest coverage ratio of 19.3x and moderate debt-to-equity of 0.45x reflecting manageable financial leverage
- Positive operating cash flow of $177.0M providing baseline liquidity despite negative FCF
- Moderate leverage with debt/equity of 0.45x and strong interest coverage of 19.3x supports financial resilience
- Positive operating cash flow of $177.00M indicates the core business is still generating cash despite cyclical pressures
- Current ratio of 1.41x and a sizable equity base of $1.24B provide a reasonable liquidity and capitalization cushion
ANDE Stock Risks: Andersons, Inc. Investment Risks
- Negative free cash flow of -$56.1M with CapEx ($233.1M) significantly exceeding operating cash flow, creating potential liquidity strain
- Declining net income (-19.8% YoY) despite massive revenue growth suggests profit margins are being compressed by input costs or competitive pressure
- Extremely thin net margin of 0.9% and gross margin of 6.5% typical of commodity distribution, leaving minimal cushion for operational challenges or margin compression
- Net income fell 19.8% year over year despite a sharp revenue increase, suggesting weaker earnings quality or margin pressure
- Profitability is structurally thin, with 6.5% gross margin, 1.3% operating margin, and 0.9% net margin leaving little room for execution errors
- Free cash flow was negative at -$56.12M as capital expenditures exceeded operating cash flow, which could constrain flexibility if sustained
Key Metrics to Watch
- Free cash flow trend and CapEx justification relative to earnings growth
- Gross margin expansion or contraction in upcoming quarters as commodity cycles evolve
- Debt levels and cash position given negative FCF and reliance on leverage for operations
- Operating and net margin trend to confirm whether revenue growth is translating into durable profits
- Free cash flow and capital expenditure intensity to assess whether cash generation improves after the current investment cycle
Andersons, Inc. (ANDE) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Andersons, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
ANDE Profit Margin, ROE & Profitability Analysis
ANDE vs Market Sector: How Andersons, Inc. Compares
How Andersons, Inc. compares to Market sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Andersons, Inc. Stock Overvalued? ANDE Valuation Analysis 2026
Based on fundamental analysis, Andersons, Inc. has mixed fundamental signals relative to the Market sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Andersons, Inc. Balance Sheet: ANDE Debt, Cash & Liquidity
ANDE Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Andersons, Inc.'s revenue has shown modest growth of 7% over the 5-year period. The most recent EPS of $3.81 reflects profitable operations.
ANDE Revenue Growth, EPS Growth & YoY Performance
ANDE Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $231.9M | $20.1M | $0.59 |
| Q2 2025 | $492.5M | $7.9M | $0.23 |
| Q1 2025 | $341.4M | $284.0K | $0.01 |
| Q1 2024 | $648.8M | $5.6M | $0.16 |
| Q3 2023 | $635.4M | $9.7M | $0.28 |
| Q2 2023 | $956.0M | $40.3M | $1.18 |
| Q1 2023 | $677.9M | $5.5M | $0.16 |
| Q3 2022 | $457.6M | $15.7M | $0.46 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Andersons, Inc. Dividends, Buybacks & Capital Allocation
ANDE SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Andersons, Inc. (CIK: 0000821026)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ANDE
What is the AI rating for ANDE?
Andersons, Inc. (ANDE) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are ANDE's key strengths?
Claude: Exceptional revenue growth of 619% YoY indicating strong market demand in agricultural commodities. Solid interest coverage ratio of 19.3x and moderate debt-to-equity of 0.45x reflecting manageable financial leverage. ChatGPT: Moderate leverage with debt/equity of 0.45x and strong interest coverage of 19.3x supports financial resilience. Positive operating cash flow of $177.00M indicates the core business is still generating cash despite cyclical pressures.
What are the risks of investing in ANDE?
Claude: Negative free cash flow of -$56.1M with CapEx ($233.1M) significantly exceeding operating cash flow, creating potential liquidity strain. Declining net income (-19.8% YoY) despite massive revenue growth suggests profit margins are being compressed by input costs or competitive pressure. ChatGPT: Net income fell 19.8% year over year despite a sharp revenue increase, suggesting weaker earnings quality or margin pressure. Profitability is structurally thin, with 6.5% gross margin, 1.3% operating margin, and 0.9% net margin leaving little room for execution errors.
What is ANDE's revenue and growth?
Andersons, Inc. reported revenue of $11.0B.
Does ANDE pay dividends?
Andersons, Inc. pays dividends, with $26.8M distributed to shareholders in the trailing twelve months.
Where can I find ANDE SEC filings?
Official SEC filings for Andersons, Inc. (CIK: 0000821026) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ANDE's EPS?
Andersons, Inc. has a diluted EPS of $0.82.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ANDE a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Andersons, Inc. has a HOLD rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is ANDE stock overvalued or undervalued?
Valuation metrics for ANDE: ROE of 7.7% (sector avg: 15%), net margin of 0.9% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy ANDE stock in 2026?
Our dual AI analysis gives Andersons, Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is ANDE's free cash flow?
Andersons, Inc.'s operating cash flow is $177.0M, with capital expenditures of $233.1M. FCF margin is -0.5%.
How does ANDE compare to other Market stocks?
Vs Default sector averages: Net margin 0.9% (avg: 12%), ROE 7.7% (avg: 15%), current ratio 1.41 (avg: 1.8).