UNITED NATURAL FOODS INC (UNFI) Stock Fundamental Analysis

NYSE:UNFI • US9111631035

38.74 USD
+0.06 (+0.16%)
At close: Feb 20, 2026
38.74 USD
0 (0%)
After Hours: 2/20/2026, 8:08:48 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall UNFI gets a fundamental rating of 3 out of 10. We evaluated UNFI against 38 industry peers in the Consumer Staples Distribution & Retail industry. UNFI has a bad profitability rating. Also its financial health evaluation is rather negative. UNFI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year UNFI was profitable.
  • In the past year UNFI had a positive cash flow from operations.
  • In multiple years UNFI reported negative net income over the last 5 years.
  • Each year in the past 5 years UNFI had a positive operating cash flow.
UNFI Yearly Net Income VS EBIT VS OCF VS FCFUNFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -1.34%, UNFI is doing worse than 71.05% of the companies in the same industry.
  • UNFI has a Return On Equity of -6.53%. This is in the lower half of the industry: UNFI underperforms 71.05% of its industry peers.
  • UNFI has a Return On Invested Capital of 2.90%. This is in the lower half of the industry: UNFI underperforms 63.16% of its industry peers.
  • UNFI had an Average Return On Invested Capital over the past 3 years of 2.42%. This is significantly below the industry average of 28.34%.
  • The 3 year average ROIC (2.42%) for UNFI is below the current ROIC(2.90%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -1.34%
ROE -6.53%
ROIC 2.9%
ROA(3y)-0.91%
ROA(5y)0.5%
ROE(3y)-4.35%
ROE(5y)2.13%
ROIC(3y)2.42%
ROIC(5y)3.62%
UNFI Yearly ROA, ROE, ROICUNFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • UNFI has a worse Operating Margin (0.58%) than 68.42% of its industry peers.
  • UNFI's Operating Margin has declined in the last couple of years.
  • The Gross Margin of UNFI (13.38%) is worse than 76.32% of its industry peers.
  • In the last couple of years the Gross Margin of UNFI has declined.
Industry RankSector Rank
OM 0.58%
PM (TTM) N/A
GM 13.38%
OM growth 3Y-27.09%
OM growth 5Y-17.78%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.78%
GM growth 5Y-1.93%
UNFI Yearly Profit, Operating, Gross MarginsUNFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • UNFI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, UNFI has more shares outstanding
  • Compared to 5 years ago, UNFI has more shares outstanding
  • The debt/assets ratio for UNFI has been reduced compared to a year ago.
UNFI Yearly Shares OutstandingUNFI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
UNFI Yearly Total Debt VS Total AssetsUNFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • UNFI has an Altman-Z score of 4.86. This indicates that UNFI is financially healthy and has little risk of bankruptcy at the moment.
  • UNFI's Altman-Z score of 4.86 is fine compared to the rest of the industry. UNFI outperforms 68.42% of its industry peers.
  • UNFI has a debt to FCF ratio of 5.63. This is a neutral value as UNFI would need 5.63 years to pay back of all of its debts.
  • UNFI has a Debt to FCF ratio (5.63) which is comparable to the rest of the industry.
  • UNFI has a Debt/Equity ratio of 1.25. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.25, UNFI is not doing good in the industry: 76.32% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.25
Debt/FCF 5.63
Altman-Z 4.86
ROIC/WACC0.38
WACC7.68%
UNFI Yearly LT Debt VS Equity VS FCFUNFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B

2.3 Liquidity

  • UNFI has a Current Ratio of 1.38. This is a normal value and indicates that UNFI is financially healthy and should not expect problems in meeting its short term obligations.
  • UNFI has a better Current ratio (1.38) than 71.05% of its industry peers.
  • A Quick Ratio of 0.50 indicates that UNFI may have some problems paying its short term obligations.
  • UNFI has a Quick ratio of 0.50. This is in the lower half of the industry: UNFI underperforms 63.16% of its industry peers.
Industry RankSector Rank
Current Ratio 1.38
Quick Ratio 0.5
UNFI Yearly Current Assets VS Current LiabilitesUNFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 226.47% over the past year.
  • Measured over the past years, UNFI shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -24.53% on average per year.
  • The Revenue has been growing slightly by 1.45% in the past year.
  • The Revenue has been growing slightly by 3.66% on average over the past years.
EPS 1Y (TTM)226.47%
EPS 3Y-45.84%
EPS 5Y-24.53%
EPS Q2Q%250%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y3.19%
Revenue growth 5Y3.66%
Sales Q2Q%-0.39%

3.2 Future

  • Based on estimates for the next years, UNFI will show a very strong growth in Earnings Per Share. The EPS will grow by 36.84% on average per year.
  • The Revenue is expected to grow by 2.07% on average over the next years.
EPS Next Y211.11%
EPS Next 2Y98.72%
EPS Next 3Y70.63%
EPS Next 5Y36.84%
Revenue Next Year0.62%
Revenue Next 2Y1.35%
Revenue Next 3Y1.66%
Revenue Next 5Y2.07%

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 accelerating.
  • 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.
UNFI Yearly Revenue VS EstimatesUNFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B
UNFI Yearly EPS VS EstimatesUNFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1 2 3 4

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • UNFI is valuated quite expensively with a Price/Earnings ratio of 34.90.
  • Compared to the rest of the industry, the Price/Earnings ratio of UNFI indicates a slightly more expensive valuation: UNFI is more expensive than 60.53% of the companies listed in the same industry.
  • UNFI is valuated rather expensively when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 13.82, the valuation of UNFI can be described as correct.
  • 76.32% of the companies in the same industry are more expensive than UNFI, based on the Price/Forward Earnings ratio.
  • UNFI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 34.9
Fwd PE 13.82
UNFI Price Earnings VS Forward Price EarningsUNFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, UNFI is valued a bit cheaper than the industry average as 68.42% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UNFI indicates a rather cheap valuation: UNFI is cheaper than 94.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.86
EV/EBITDA 8.46
UNFI Per share dataUNFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400 500

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • UNFI's earnings are expected to grow with 70.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y98.72%
EPS Next 3Y70.63%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for UNFI!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

UNITED NATURAL FOODS INC

NYSE:UNFI (2/20/2026, 8:08:48 PM)

After market: 38.74 0 (0%)

38.74

+0.06 (+0.16%)

Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupConsumer Staples Distribution & Retail
GICS IndustryConsumer Staples Distribution & Retail
Earnings (Last)12-02
Earnings (Next)03-11
Inst Owners99.39%
Inst Owner Change-1.06%
Ins Owners2.02%
Ins Owner Change9.31%
Market Cap2.36B
Revenue(TTM)31.75B
Net Income(TTM)-101.00M
Analysts71.76
Price Target41.03 (5.91%)
Short Float %6.32%
Short Ratio4.26
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)37.37%
Min EPS beat(2)32.52%
Max EPS beat(2)42.23%
EPS beat(4)4
Avg EPS beat(4)48.22%
Min EPS beat(4)16.24%
Max EPS beat(4)101.92%
EPS beat(8)8
Avg EPS beat(8)257.02%
EPS beat(12)10
Avg EPS beat(12)174.01%
EPS beat(16)11
Avg EPS beat(16)130.7%
Revenue beat(2)0
Avg Revenue beat(2)-2.03%
Min Revenue beat(2)-2.84%
Max Revenue beat(2)-1.22%
Revenue beat(4)2
Avg Revenue beat(4)-0.5%
Min Revenue beat(4)-2.84%
Max Revenue beat(4)1.51%
Revenue beat(8)4
Avg Revenue beat(8)-0.67%
Revenue beat(12)4
Avg Revenue beat(12)-1.18%
Revenue beat(16)6
Avg Revenue beat(16)-1.03%
PT rev (1m)-0.69%
PT rev (3m)-1.3%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)4.09%
EPS NY rev (1m)0.26%
EPS NY rev (3m)6.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE 34.9
Fwd PE 13.82
P/S 0.07
P/FCF 6.86
P/OCF 4.36
P/B 1.53
P/tB 2.43
EV/EBITDA 8.46
EPS(TTM)1.11
EY2.87%
EPS(NY)2.8
Fwd EY7.24%
FCF(TTM)5.65
FCFY14.57%
OCF(TTM)8.9
OCFY22.96%
SpS521.14
BVpS25.39
TBVpS15.92
PEG (NY)0.17
PEG (5Y)N/A
Graham Number25.18
Profitability
Industry RankSector Rank
ROA -1.34%
ROE -6.53%
ROCE 3.68%
ROIC 2.9%
ROICexc 2.93%
ROICexgc 3.31%
OM 0.58%
PM (TTM) N/A
GM 13.38%
FCFM 1.08%
ROA(3y)-0.91%
ROA(5y)0.5%
ROE(3y)-4.35%
ROE(5y)2.13%
ROIC(3y)2.42%
ROIC(5y)3.62%
ROICexc(3y)2.44%
ROICexc(5y)3.65%
ROICexgc(3y)2.81%
ROICexgc(5y)4.33%
ROCE(3y)3.06%
ROCE(5y)4.58%
ROICexgc growth 3Y-24.92%
ROICexgc growth 5Y-15.46%
ROICexc growth 3Y-23.68%
ROICexc growth 5Y-14.02%
OM growth 3Y-27.09%
OM growth 5Y-17.78%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.78%
GM growth 5Y-1.93%
F-Score4
Asset Turnover4.2
Health
Industry RankSector Rank
Debt/Equity 1.25
Debt/FCF 5.63
Debt/EBITDA 3.83
Cap/Depr 62.26%
Cap/Sales 0.62%
Interest Coverage 1.29
Cash Conversion 107.75%
Profit Quality N/A
Current Ratio 1.38
Quick Ratio 0.5
Altman-Z 4.86
F-Score4
WACC7.68%
ROIC/WACC0.38
Cap/Depr(3y)95.45%
Cap/Depr(5y)96.64%
Cap/Sales(3y)0.97%
Cap/Sales(5y)0.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)226.47%
EPS 3Y-45.84%
EPS 5Y-24.53%
EPS Q2Q%250%
EPS Next Y211.11%
EPS Next 2Y98.72%
EPS Next 3Y70.63%
EPS Next 5Y36.84%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y3.19%
Revenue growth 5Y3.66%
Sales Q2Q%-0.39%
Revenue Next Year0.62%
Revenue Next 2Y1.35%
Revenue Next 3Y1.66%
Revenue Next 5Y2.07%
EBIT growth 1Y7.56%
EBIT growth 3Y-24.77%
EBIT growth 5Y-14.77%
EBIT Next Year281.11%
EBIT Next 3Y64.2%
EBIT Next 5Y36.45%
FCF growth 1Y13.91%
FCF growth 3Y44.02%
FCF growth 5Y-3.38%
OCF growth 1Y-14.24%
OCF growth 3Y12.4%
OCF growth 5Y0.58%

UNITED NATURAL FOODS INC / UNFI FAQ

What is the fundamental rating for UNFI stock?

ChartMill assigns a fundamental rating of 3 / 10 to UNFI.


What is the valuation status of UNITED NATURAL FOODS INC (UNFI) stock?

ChartMill assigns a valuation rating of 6 / 10 to UNITED NATURAL FOODS INC (UNFI). This can be considered as Fairly Valued.


Can you provide the profitability details for UNITED NATURAL FOODS INC?

UNITED NATURAL FOODS INC (UNFI) has a profitability rating of 2 / 10.


Can you provide the expected EPS growth for UNFI stock?

The Earnings per Share (EPS) of UNITED NATURAL FOODS INC (UNFI) is expected to grow by 211.11% in the next year.