📊 MOS Key Takeaways
Is MOS a Good Investment? Thesis Analysis
Mosaic demonstrates stable revenue and moderate profitability with a 4.5% net margin, but faces concerning cash flow dynamics where negative free cash flow of -$534.6M indicates capital expenditures exceed operating cash generation. The company maintains reasonable leverage (0.35x debt/equity) and adequate interest coverage (3.4x), though low quick ratio (0.47x) and declining net income (-6.0% YoY) suggest operational pressures despite flat revenue growth.
Why Buy MOS? Key Strengths
- Conservative leverage with 0.35x debt/equity ratio providing financial flexibility
- Strong operating cash flow of $824.8M demonstrating underlying business cash generation
- Adequate interest coverage of 3.4x indicating manageable debt service obligations
MOS Investment Risks to Consider
- Negative free cash flow of -$534.6M with capital expenditures ($1.4B) substantially exceeding operating cash flow, limiting reinvestment capacity and dividend/debt paydown ability
- Declining net income (-6.0% YoY) despite flat revenue growth signals margin compression and operational headwinds
- Weak liquidity position with quick ratio of only 0.47x and modest cash reserves of $276.6M relative to $4.3B long-term debt
Key Metrics to Watch
- Free cash flow trend and capital expenditure efficiency to determine if negative FCF improves
- Gross and operating margins to assess whether profitability contraction continues or stabilizes
- Operating cash flow sustainability and debt service coverage under commodity price volatility
MOS Financial Metrics
💡 AI Analyst Insight
MOSAIC CO presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
MOS Profitability Ratios
MOS vs Default Sector
How MOSAIC CO compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is MOS Overvalued or Undervalued?
Based on fundamental analysis, MOSAIC CO has mixed fundamental signals relative to the Default 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.
MOS Balance Sheet & Liquidity
MOS 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: MOSAIC CO's revenue has grown significantly by 11% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.50 reflects profitable operations.
MOS Growth Metrics (YoY)
MOS Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $2.8B | $5.9M | $0.02 |
| Q2 2025 | $2.8B | -$116.3M | $-0.36 |
| Q1 2025 | $2.6B | $45.2M | $0.14 |
| Q3 2024 | $2.8B | -$4.2M | $-0.01 |
| Q2 2024 | $2.8B | -$116.3M | $-0.36 |
| Q1 2024 | $2.7B | $45.2M | $0.14 |
| Q3 2023 | $3.5B | -$4.2M | $-0.01 |
| Q2 2023 | $3.4B | $369.0M | $1.11 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
MOS Capital Allocation
MOS SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for MOSAIC CO (CIK: 0001285785)
📋 Recent SEC Filings
❓ Frequently Asked Questions about MOS
What is the AI rating for MOS?
MOSAIC CO (MOS) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are MOS's key strengths?
Claude: Conservative leverage with 0.35x debt/equity ratio providing financial flexibility. Strong operating cash flow of $824.8M demonstrating underlying business cash generation.
What are the risks of investing in MOS?
Claude: Negative free cash flow of -$534.6M with capital expenditures ($1.4B) substantially exceeding operating cash flow, limiting reinvestment capacity and dividend/debt paydown ability. Declining net income (-6.0% YoY) despite flat revenue growth signals margin compression and operational headwinds.
What is MOS's revenue and growth?
MOSAIC CO reported revenue of $12.1B.
Does MOS pay dividends?
MOSAIC CO pays dividends, with $280.4M distributed to shareholders in the trailing twelve months.
Where can I find MOS SEC filings?
Official SEC filings for MOSAIC CO (CIK: 0001285785) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is MOS's EPS?
MOSAIC CO has a diluted EPS of $1.70.
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 MOS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, MOSAIC CO has a HOLD rating with 62% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is MOS stock overvalued or undervalued?
Valuation metrics for MOS: ROE of 4.5% (sector avg: 15%), net margin of 4.5% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy MOS stock in 2026?
Our dual AI analysis gives MOSAIC CO a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is MOS's free cash flow?
MOSAIC CO's operating cash flow is $824.8M, with capital expenditures of $1.4B. FCF margin is -4.4%.
How does MOS compare to other Default stocks?
Vs Default sector averages: Net margin 4.5% (avg: 12%), ROE 4.5% (avg: 15%), current ratio 1.32 (avg: 1.8).