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Writer's pictureIshfaaq Peerally

UNFI 4Q21 Earnings Analysis


UNFI Stock Analysis

Business Description:

  • $140 billion potential market with currently $27 billion market and $38 billion existing customer opportunity

  • Major Competitors: SpartanNash (NASDAQ:SPTN), C&S Wholesales Groger and Kehe

  • Minor competitors (serves mostly to restaurants, schools and other small units): Sysco (NYSE:SYY) and US Food Holdings (NYSE:USFD)

  • Over 60 distribution centers (total 28.8 million sq ft) vs 19 for SPTN (8.2 million sq ft)

  • Diversified with moat in fast growing natural and organic

UNFI Stock Analysis

  • Customers:

    • Chains

    • Independent retailers

    • supernatural

    • retail

  • Largest customer: Whole Foods with about 18% of revenues in 2020

  • 6 product categories:

    • Grocery and general merchandise

    • Produce

    • Perishables and frozen foods

    • Nutritional supplements and sports nutrition

    • Bulk and food service products

    • Personal care items

  • 2 business segments

    • Wholesale

    • Retail


Catalysts:

  • Changing consumer habits into natural and organic

  • Deal with Amazon extended till 2027

  • Inflation is a tailwind


Risks:

  • Took high debt for Supervalu acquisition with high interest payments

  • Depends on derivatives to handle debt repayments at lower interest rates

  • Unionized workers and high pension expenses

  • Not going through with divestitures of retail business

  • New CEO yet to prove himself


Financial Analysis:

  • Revenues of $6.7 billion in 4Q21 down 0.5% from 4Q20

  • Revenues of $26.9 billion in FY21 up from 26.5 billion in FY20 (ended in July 2020) and $8.4 billion in FY16

  • Net income of $43 million in 4Q21 vs $52.3 million in 4Q20

  • Net income of $149 million in FY21 vs net loss of $254 million for FY20

  • Net loss in FY19 and FY20 mostly because of impairment of goodwill of $293 million and $495 million respectively, after the Supervalu acquisition

  • FCF of $304 million vs $284 million for FY20 (excluding $102 million in divestitures from sales of retail stores)

  • Balance Sheet

    • Total assets: $7.52 billion ; total liabilities: $6.01 billion; book value: $1.51 billion

    • Cash: $41 million, debts: $2.17 billion, current assets: $3.55 million, current liabilities: $2.48 billion

UNFI Stock Analysis

Valuations

  • My personal Biases:

    • Bullish on industry

    • Belief in ability to repay debt with divestitures

    • Largest position of my portfolio at 11.3%

  • Assumptions for base case:

    • Use Discounted Owner’s earnings to calculate intrinsic value

    • Revenue growth of 4% per year (as per forecast)

    • Earnings Growth of 16% per year (as per forecast)

    • Depreciations of $300 million per year and Capex of $250 million per year

    • All of owner’s earnings used to repay debt

    • Discount Rate of 15% till 2026

    • Terminal Growth rate of 2%


UNFI Stock Analysis

  • Bull case with extra 10% extra Owner’s earnings in 2026 compared to base

  • Bear case with 10% less owner’s earning in 2026 compared to base

  • Shares outstanding grow from 59 million to 70 million


UNFI Stock Analysis

Conclusion

  • Undervalued but not with margin of safety

  • 8% expected returns per year

UNFI Stock Analysis







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