Compare Stocks › CF vs INTU
CF Industries Holdings, Inc. (CF) vs Intuit Inc. (INTU)
CF
CF Industries Holdings, Inc.
$125.56
VS
INTU
Intuit Inc.
$455.24
Rewards
CF
- ★CF Industries Holdings, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
- ★Share count has been reduced by 21% over the past 4 years through buybacks, increasing each share's claim on earnings.
INTU
- ★Gross margin of 80.9% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Intuit Inc. scores 79/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Free cash flow has grown at a 18.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
Risks
CF
- ⚠Trailing P/E of 14.0x is 54% above the historical average of 9.1x — the stock trades at a premium to its own history.
- ⚠20 insider sales totaling $69.6M with no purchases in the past 3 months — insiders are reducing their exposure.
- ⚠Free cash flow has declined at a 19.0% CAGR over the past 4 years — a concerning trend.
INTU
- ⚠24 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
Key Valuation Metrics
Learn more →CF
INTU
Valuation
$1.80B
Free Cash Flow
$5.30B
9.20%
FCF Yield
4.18%
14.01
Trailing P/E
29.58
16.80
Forward P/E
17.19
Quality & Moat
17.32%
ROIC
N/A
18.71%
ROE
N/A
38.45%
Gross Margin
80.90%
0.38
PEG Ratio
N/A
Balance Sheet Safety
0.47
Debt / Equity
N/A
N/A
Interest Coverage
No debt
0.51
Net Debt / EBITDA
0.00
1.59%
Dividend Yield
1.02%
CF: 3Ties: 1INTU: 3
CFINTU
Historical Fundamentals
Learn more →CF
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
INTU
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →CF
$-1.50
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$3.20B
Δ Market Cap
$-4.79B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
INTU
$12.31
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$6.10B
Δ Market Cap
+$75.17B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →CF
5.0% Margin of Safety
Price is 5.0% below estimated fair value
Current Price: $125.56
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $132.20
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
INTU
5.8% Overvalued
Price is 5.8% above estimated fair value
Current Price: $455.24
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $430.46
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →CF
What growth rate is the market pricing in at $126?
+3.4%
Market-Implied Owner Earnings Growth
Standard FCF implies +0.5%
The market implies +3.4% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +0.5%, reflecting heavy growth investment.
INTU
What growth rate is the market pricing in at $455?
+14.4%
Market-Implied Owner Earnings Growth
Standard FCF implies +10.1%
The market implies +14.4% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +10.1%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →CF
41/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with roic consistency as the key competitive advantage. Improving revenue predictability would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
INTU
79/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. ROIC Consistency is the area most vulnerable to competitive pressure.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →CF
-2.83
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
INTU
-2.65
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
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Insiders 0.4%Institutions 106.6%
No. of Institutional Holders1,170
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
INTU
Insiders 2.4%Institutions 90.6%Retail & Other 7.1%
No. of Institutional Holders3,066
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →CF
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
INTU
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →CF
20
Sells (3M)
23
Sells (12M)
Total value (12M): $73.69M
WILL W ANTHONY
Director
$10.33M
@ $126.56 · 2026-03-13
MENZEL SUSAN L
Officer
$2.45M
@ $136.06 · 2026-03-12
FROST BERT A
Officer
$854,316
@ $136.69 · 2026-03-12
FROST BERT A
Officer
$1.83M
@ $118.01 · 2026-03-09
MCGRANE MICHAEL PATRICK
General Counsel
$427,089
@ $116.50 · 2026-03-06
MAYER ERIK M.
Officer
$255,749
@ $116.25 · 2026-03-06
WILL W ANTHONY
Director
$6.27M
@ $109.35 · 2026-03-05
MENZEL SUSAN L
Officer
$799,200
@ $111.00 · 2026-03-05
MALIK ASHRAF KHAN
Officer
$270,729
@ $111.00 · 2026-03-05
DEMPSEY LINDA M
Officer
$213,000
@ $106.50 · 2026-03-05
WILL W ANTHONY
Director
$7.01M
@ $109.06 · 2026-03-03
MENZEL SUSAN L
Officer
$415,250
@ $106.09 · 2026-03-03
MCGRANE MICHAEL PATRICK
General Counsel
$291,426
@ $105.36 · 2026-03-03
WILL W ANTHONY
Former
$24.37M
@ $102.63 · 2026-03-02
MENZEL SUSAN L
Officer
$713,232
@ $104.00 · 2026-03-02
FROST BERT A
Officer
$540,761
@ $105.99 · 2026-03-02
MALIK ASHRAF KHAN
Officer
$889,696
@ $103.08 · 2026-03-02
DEMPSEY LINDA M
Officer
$100,000
@ $100.00 · 2026-02-27
MENZEL SUSAN L
Officer
$311,859
@ $97.00 · 2026-02-26
WILL W ANTHONY
Director
$11.22M
@ $100.25 · 2026-02-20
MENZEL SUSAN L
Officer
$1.00M
@ $100.23 · 2025-06-20
FROST BERT A
Officer
$2.57M
@ $98.79 · 2025-06-16
MALIK ASHRAF KHAN
Officer
$549,535
@ $99.95 · 2025-06-13
MENZEL SUSAN L
Officer
$276,300
@ $96.95 · 2025-01-16
MENZEL SUSAN L
Officer
$142,500
@ $95.00 · 2025-01-13
FROST BERT A
Officer
$285,000
@ $95.00 · 2025-01-13
MALIK ASHRAF KHAN
Officer
$844,457
@ $95.00 · 2025-01-13
MENZEL SUSAN L
Officer
$325,000
@ $92.86 · 2024-12-03
MALIK ASHRAF KHAN
Officer
$635,487
@ $90.78 · 2024-11-21
FROST BERT A
Officer
$264,000
@ $88.00 · 2024-11-20
MENZEL SUSAN L
Officer
$180,000
@ $90.00 · 2024-10-04
FROST BERT A
Officer
$270,000
@ $90.00 · 2024-10-04
MALIK ASHRAF KHAN
Officer
$648,269
@ $90.02 · 2024-10-04
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
INTU
2
Sells (3M)
24
Sells (12M)
Total value (12M): $121.78M
DALZELL RICHARD L
Director
$457,046
@ $457.50 · 2026-03-12
AUJLA SANDEEP S
Chief Financial Officer
$840,097
@ $629.76 · 2026-01-05
AUJLA SANDEEP S
Chief Financial Officer
$741,172
@ $675.02 · 2025-12-19
DALZELL RICHARD L
Director
$219,763
@ $659.95 · 2025-12-11
DALZELL RICHARD L
Director
$435,354
@ $653.68 · 2025-12-10
AUJLA SANDEEP S
Chief Financial Officer
$792,160
@ $677.06 · 2025-10-03
DALZELL RICHARD L
Director
$665,951
@ $666.62 · 2025-09-11
AUJLA SANDEEP S
Chief Financial Officer
$27,930
@ $665.00 · 2025-08-25
DALZELL RICHARD L
Director
$255,887
@ $768.43 · 2025-07-10
DALZELL RICHARD L
Director
$521,891
@ $783.62 · 2025-07-09
BALAZS ALEX G
Chief Technology Officer
$689,400
@ $782.52 · 2025-07-08
AUJLA SANDEEP S
Chief Financial Officer
$2.03M
@ $782.22 · 2025-07-03
NOTARAINNI MARK PHILLIP
Officer
$887,583
@ $774.51 · 2025-07-02
AUJLA SANDEEP S
Chief Financial Officer
$1.25M
@ $773.90 · 2025-07-02
HOTZ LAUREN DALE
Officer
$1.36M
@ $784.24 · 2025-06-27
BALAZS ALEX G
Chief Technology Officer
$1.12M
@ $771.24 · 2025-06-05
TESSEL MARIANNA
Officer
$26.12M
@ $760.84 · 2025-06-03
FENNELL LAURA A
Officer
$19.29M
@ $752.25 · 2025-05-29
FENNELL LAURA A
Officer
$30.46M
@ $738.61 · 2025-05-28
NOTARAINNI MARK PHILLIP
Officer
$340,143
@ $725.25 · 2025-05-27
AUJLA SANDEEP S
Chief Financial Officer
$11.66M
@ $726.15 · 2025-05-27
MCLEAN KERRY JEAN
General Counsel
$12.18M
@ $729.16 · 2025-05-27
FENNELL LAURA A
Officer
$5.00M
@ $612.45 · 2025-03-24
TESSEL MARIANNA
Officer
$4.43M
@ $600.13 · 2025-03-21
BURTON EVE B
Director
$1.02M
@ $600.00 · 2025-03-20
HOTZ LAUREN DALE
Officer
$667,838
@ $619.52 · 2025-01-10
AUJLA SANDEEP S
Chief Financial Officer
$814,350
@ $626.42 · 2025-01-08
FENNELL LAURA A
Officer
$2.94M
@ $613.70 · 2025-01-07
NOTARAINNI MARK PHILLIP
Officer
$228,121
@ $630.17 · 2025-01-03
AUJLA SANDEEP S
Chief Financial Officer
$68,506
@ $628.50 · 2025-01-03
BALAZS ALEX G
Chief Technology Officer
$15.86M
@ $665.98 · 2024-12-12
FENNELL LAURA A
Officer
$5.06M
@ $657.64 · 2024-12-10
MCLEAN KERRY JEAN
General Counsel
$11.16M
@ $650.78 · 2024-12-09
NOTARAINNI MARK PHILLIP
Officer
$6.21M
@ $646.47 · 2024-12-05
NOTARAINNI MARK PHILLIP
Officer
$2.36M
@ $646.83 · 2024-12-05
AUJLA SANDEEP S
Chief Financial Officer
$2.47M
@ $617.42 · 2024-10-10
AUJLA SANDEEP S
Chief Financial Officer
$466,015
@ $601.31 · 2024-10-03
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →CF
😐Neutral(53/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
INTU
😐Neutral(41/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →CF
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (53)
INTU
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (41)