📊 MOS Key Takeaways
Is Mosaic Co (MOS) a Good Investment?
Mosaic Co is structurally unprofitable with operating losses of $372.9M and negative free cash flow of -$252.6M, signaling unsustainable operational performance. With flat revenue growth, razor-thin gross margins of 7.9%, and only $281.8M in cash against significant cash burn, the company faces a deteriorating financial position in a commodity-driven sector. Negative interest coverage and a weak quick ratio of 0.45x underscore acute liquidity stress.
Mosaic shows cyclical softness: flat revenue, mid‑single‑digit operating margin, and negative free cash flow driven by elevated capex, alongside tight liquidity (quick ratio 0.47x). Moderate leverage (0.35x D/E) and adequate interest coverage (3.4x) provide balance sheet flexibility, but sustained cash generation depends on margin recovery and capex normalization.
Why Buy Mosaic Co Stock? MOS Key Strengths
- Positive operating cash flow of $104.2M provides near-term runway despite operating losses
- Moderate debt/equity ratio of 0.36x indicates leverage is not immediately critical
- Large asset base of $24.6B provides collateral and stability backing
- Moderate leverage with adequate interest coverage
- Consistent operating cash generation despite cycle
- Large asset base and stable revenue year over year
MOS Stock Risks: Mosaic Co Investment Risks
- Severe operational losses: -$372.9M operating income and -$257.6M net income indicate structural unprofitability
- Negative free cash flow of -$252.6M unsustainable; cash burn will deplete $281.8M reserve within months at current run rate
- Razor-thin gross margin of 7.9% suggests commoditized business with pricing power loss and potential margin compression ahead
- Flat revenue growth with no offsetting margin expansion indicates deteriorating competitive position
- Quick ratio of 0.45x signals liquidity stress; insufficient liquid assets to cover near-term obligations
- Negative interest coverage ratio of -1.5x indicates inability to service debt from operations
- Negative free cash flow and low cash balance pressure liquidity
- Commodity price exposure may further compress margins
- Rising interest or costs could weaken 3.4x coverage
Key Metrics to Watch
- Free cash flow trajectory and cash runway depletion rate
- Gross margin stabilization or continued compression
- Operating income path to profitability
- Revenue growth inflection points in agricultural chemicals sector
- Debt restructuring or covenant compliance status
- Liquidity position and access to capital markets
- Free cash flow (OCF minus capex)
- Gross margin trend
Mosaic Co (MOS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Mosaic Co presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
MOS Profit Margin, ROE & Profitability Analysis
MOS vs Materials Sector: How Mosaic Co Compares
How Mosaic Co compares to Materials sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Mosaic Co Stock Overvalued? MOS Valuation Analysis 2026
Based on fundamental analysis, Mosaic Co has mixed fundamental signals relative to the Materials 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.
Mosaic Co Balance Sheet: MOS Debt, Cash & Liquidity
MOS Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
MOS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $2.6B | $238.1M | $0.75 |
| 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 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Mosaic Co Dividends, Buybacks & Capital Allocation
MOS SEC Filings: Latest 10-K & 10-Q 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 a Combined AI Rating of SELL from Claude (STRONG SELL) and ChatGPT (HOLD) with 75% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are MOS's key strengths?
Claude: Positive operating cash flow of $104.2M provides near-term runway despite operating losses. Moderate debt/equity ratio of 0.36x indicates leverage is not immediately critical. ChatGPT: Moderate leverage with adequate interest coverage. Consistent operating cash generation despite cycle.
What are the risks of investing in MOS?
Claude: Severe operational losses: -$372.9M operating income and -$257.6M net income indicate structural unprofitability. Negative free cash flow of -$252.6M unsustainable; cash burn will deplete $281.8M reserve within months at current run rate. ChatGPT: Negative free cash flow and low cash balance pressure liquidity. Commodity price exposure may further compress margins.
What is MOS's revenue and growth?
Mosaic Co reported revenue of $3.0B.
Does MOS pay dividends?
Mosaic Co pays dividends, with $70.8M 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 $-0.81.
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 May 2026, Mosaic Co has a SELL rating with 75% 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 -2.2% (sector avg: 14%), net margin of -8.6% (sector avg: 10%). 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 SELL 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 $104.2M, with capital expenditures of $356.8M. FCF margin is -8.4%.
How does MOS compare to other Materials stocks?
Vs Materials sector averages: Net margin -8.6% (avg: 10%), ROE -2.2% (avg: 14%), current ratio 1.25 (avg: 1.6).