Press Release: The Andersons, Inc. Reports Fourth Quarter and Full Year Results

Dow Jones02-18

MAUMEE, Ohio, Feb. 17, 2026 /CNW/ -- The Andersons, Inc. (Nasdaq: ANDE) announces financial results for the fourth quarter ended December 31, 2025.

Financial Highlights:

   -- Fourth quarter net income attributable to The Andersons of $67 million, 
      or $1.97 per diluted share, and $70 million, or $2.04 per diluted share, 
      a record on an adjusted basis 
 
   -- Full year net income attributable to The Andersons of $96 million, or 
      $2.79 per diluted share, and $111 million, or $3.23 per diluted share, on 
      an adjusted basis 
 
   -- Adjusted EBITDA of $137 million for the fourth quarter and $337 million 
      for the year 
 
   -- Renewables fourth quarter pretax income was $54 million on record 
      production, solid merchandising, and benefits from biofuels policy 
 
   -- Agribusiness fourth quarter pretax income was $46 million on solid 
      operations through record corn harvest 

"Our record fourth quarter results reflect solid execution in both Renewables and Agribusiness. Recent investments in both businesses, including full ownership of the ethanol plants, contributed to this quarter's financial performance. Our Skyland locations were able to accumulate large corn and sorghum positions at favorable values and saw the return of sorghum exports through our Houston port elevator. Eastern assets realized seasonally high elevation margins on higher volumes from increased corn demand, while over-supplied markets continued to limit merchandising opportunities," said President and CEO Bill Krueger. "In this very busy quarter for our grain elevators and ethanol plants, I'm pleased with our ability to serve our customers."

"We have a number of strategic capital investments at various stages of completion. In the quarter, we began operations at our mineral processing facility in Carlsbad, New Mexico. Several other projects, including our multi-year expansion at the Port of Houston and recently announced $60 million investment to increase capacity at our Clymers, Indiana ethanol production facility, are progressing," added Krueger. "We also expect to begin operating a bio-based diesel feedstock storage and blending facility at one of the Skyland locations later this quarter. We continue to add corn and wheat cleaning operations throughout our asset footprint in response to food and pet food customer demand. We intend to actively pursue additional growth projects, including lowering the carbon intensity of our ethanol plants as well as evaluating process improvements and further expansion and acquisition opportunities."

 
$ in millions, except per share amounts 
                      Q4 2025  Q4 2024  Variance  YTD 2025  YTD 2024  Variance 
Pretax Income          $ 87.6   $ 67.3    $ 20.3   $ 141.5   $ 200.8  $ (59.3) 
Pretax Income 
 Attributable to 
 theCompany(1)           83.9     58.2      25.7     117.9     144.1    (26.2) 
Adjusted Pretax 
 Income 
 (Loss)Attributable 
 to the Company(1)       87.4     60.6      26.8     136.6     146.7    (10.1) 
Agribusiness(1)          45.0     56.0    (11.0)      64.2     113.3    (49.1) 
Renewables(1)            54.3     17.1      37.2     125.5      80.0      45.5 
Other(1)               (12.0)   (12.5)       0.5    (53.1)    (46.6)     (6.5) 
Net Income 
 Attributable to the 
 Company                 67.4     45.1      22.3      95.7     114.0    (18.3) 
Adjusted Net Income 
 Attributable to 
 theCompany(1)           70.0     46.9      23.1     111.0     116.7     (5.7) 
Diluted Earnings Per 
 Share (EPS)             1.97     1.31      0.66      2.79      3.32    (0.53) 
Adjusted EPS(1)          2.04     1.36      0.68      3.23      3.40    (0.17) 
EBITDA(1)               132.9    113.7      19.2     322.0     360.3    (38.3) 
Adjusted EBITDA(1)    $ 136.5  $ 116.5    $ 20.0   $ 337.3   $ 363.4  $ (26.1) 
(1) Non-GAAP financial measures; see appendix for 
 explanations and reconciliations. 
 

Cash, Liquidity, and Long-Term Debt Management

"Our businesses generated solid operating cash flows into the fourth quarter on improved earnings, allowing us to continue to fund growth projects," said Executive Vice President and CFO Brian Valentine. "Our long-term debt to adjusted EBITDA ratio of 1.8 times remains well below our stated target of less than 2.5 times. We are pleased with the strength of our balance sheet and the flexibility it provides as we execute against our strategy."

The company used $6 million and generated $269 million in cash from operating activities for the fourth quarters of 2025 and 2024, respectively, and generated $110 million and $100 million in cash from operations before working capital changes for the same periods, respectively.

For the full years of 2025 and 2024, the company generated $177 million and $332 million in cash from operating activities, respectively. Cash from operations before working capital changes for the same years was $278 million and $323 million, even with the challenging ag markets in 2025.

Fourth Quarter Segment Overview

Agribusiness Posts Solid Fourth Quarter on a Record Corn Harvest

Agribusiness recorded pretax income of $46 million and adjusted pretax income attributable to the company of $45 million for the quarter, compared to pretax income of $55 million and adjusted pretax income attributable of $56 million in the fourth quarter of the prior year.

The robust fall harvest helped drive solid earnings in the quarter, with different fundamentals in the east and west. The western footprint, including Skyland Grain, saw improved performance as it saw strong basis appreciation in corn and sorghum. Increased corn demand from ethanol and export programs provided good margins for the eastern assets but kept basis levels elevated through harvest. This may limit basis appreciation opportunities in the region going into 2026.

Our complementary asset footprint should provide some uplift in 2026, with more traditional basis appreciation opportunities in the west, while continued export demand would benefit elevation margins for the eastern assets. Sorghum exports remained strong into early 2026, which we expect will benefit our Skyland and Houston assets. As on-farm grain volumes come to market, merchandising opportunities may arise. Domestic premium ingredient demand is also expected to stay solid and should continue to support recent capital growth investments. Expected corn plantings are higher than historical average, which may drive demand for nitrogen products, but volumes will be dependent on farmer economics.

Agribusiness had fourth quarter adjusted EBITDA of $80 million, compared to fourth quarter 2024 adjusted EBITDA of $88 million. For the full year, adjusted EBITDA was $187 million in 2025, compared to $218 million in 2024.

Renewables Reports Strong Quarter on Record Production

The Renewables segment reported pretax income of $54 million in the fourth quarter compared to pretax income of $26 million and pretax income attributable to the company of $17 million in the fourth quarter of 2024.

The group reported strong fourth quarter results on efficient plant operations and record production, as well as improved ethanol board crush margins of $0.15/gallon over the prior year. Firmer corn basis and higher natural gas expense partially offset the favorable board crush. Fourth quarter results also included $15 million of 45Z tax credits, bringing the year-to-date total to $35 million. The renewable feedstocks business had another solid quarter, and co-product values improved over the fourth quarter of 2024.

Favorable biofuels policies, continuing elevated export demand, upcoming planned industry maintenance, and summer gasoline demand should all support ethanol fundamentals this year. Renewable feedstocks merchandising should also benefit this year with the anticipated robust Renewable Volume Obligations.

Renewables recorded EBITDA of $69 million in the fourth quarter of 2025, compared to 2024 fourth quarter EBITDA of $41 million. For the full year, adjusted EBITDA was $203 million in 2025, compared to $189 million 2024.

Income Taxes

The company recorded income tax expense at an effective rate of 19% for the fourth quarter and 16% for the year. The rates were impacted by non-taxable 45Z income, the elimination of certain reserves against uncertain tax positions related to R&D tax credits, and the tax treatment of noncontrolling interests.

Conference Call

The company will host a webcast on Wednesday, February 18, 2026, at 8:30 a.m. ET, to discuss its performance and provide its outlook for 2026. To access the call, please dial 888-317-6003 or 412-317-6061 (international toll) and use elite entry number: 9697756. It is recommended that you call 10 minutes before the conference call begins.

To access the webcast, click on the link: https://app.webinar.net/qPML06xl8dK and submit the requested information as directed. A replay of the call can also be accessed under the heading "Investors" on the company's website at www.andersonsinc.com.

Forward-Looking Statements

This release contains forward-looking statements. These statements involve risks and uncertainties that could cause actual results to differ materially. Without limitation, these risks include economic, weather and regulatory conditions, competition, geopolitical risk, and the risk factors set forth from time to time in the company's filings with the Securities and Exchange Commission. Although the company believes that the assumptions upon which the financial information and its forward-looking statements are based are reasonable, it can give no assurance that these assumptions will prove to be correct.

Non-GAAP Measures

This release contains non-GAAP financial measures. The company believes that pretax income (loss) attributable to the company; adjusted pretax income (loss) attributable to the company; adjusted pretax income (loss); adjusted net income attributable to the company; adjusted diluted earnings per share; earnings before interest, taxes, depreciation, and amortization (or EBITDA); adjusted EBITDA; and cash from operations before working capital changes provide additional information to investors and others about its operations, allowing an evaluation of underlying operating performance and liquidity and better period-to-period comparability. The above measures are not and should not be considered as alternatives to pretax income (loss) or income (loss) before income taxes, net income (loss), diluted earnings (loss) per share attributable to The Andersons, Inc. common shareholders and cash provided by (used in) operating activities as determined by generally accepted accounting principles. Reconciliations of the GAAP to non-GAAP measures may be found within this press release and the financial tables provided herein.

Company Description

The Andersons, Inc., is a North American agriculture and renewable fuels company. Guided by its Statement of Principles, The Andersons is committed to providing extraordinary service to its customers, helping its employees improve, supporting its communities, and increasing the value of the company. For more information, please visit www.andersonsinc.com.

 
The Andersons, Inc.Condensed Consolidated Statements of 
Operations(unaudited) 
 
                 Three months endedDecember  Twelve months endedDecember 
                 31,                         31, 
(in thousands,   2025         2024           2025          2024 
except per 
share data) 
Sales and 
 merchandising 
 revenues        $ 2,536,249    $ 3,123,138  $ 11,008,928     $ 11,257,548 
Cost of sales 
 and 
 merchandising 
 revenues          2,304,758      2,910,028    10,295,277       10,563,622 
Gross profit         231,491        213,110       713,651          693,926 
Operating, 
 administrative 
 and general 
 expenses(1)         150,466        147,154       603,363          503,620 
Interest 
 expense, net         12,090         10,266        47,159           31,760 
Other income, 
 net                  18,643         11,560        78,340           42,211 
Income before 
 income taxes         87,578         67,250       141,469          200,757 
Income tax 
 provision            16,486         13,146        22,168           30,057 
Net income            71,092         54,104       119,301          170,700 
Net income 
 attributable 
 to 
 noncontrolling 
 interests             3,658          9,014        23,588           56,688 
Net income 
 attributable 
 to The 
 Andersons, 
 Inc.               $ 67,434       $ 45,090      $ 95,713        $ 114,012 
 
Earnings per 
share 
attributable 
toThe 
Andersons, Inc. 
common 
shareholders: 
Basic earnings:       $ 1.98         $ 1.32        $ 2.81           $ 3.35 
Diluted 
 earnings:            $ 1.97         $ 1.31        $ 2.79           $ 3.32 
(1) Operating, administrative and general expenses 
includes asset impairment charges of $18.1 million, 
for the year ended December 31, 2025, tofacilitate period-over-period 
comparability. 
 
 
The Andersons, Inc.Condensed Consolidated Balance Sheets(unaudited) 
 
(in thousands)                          December 31, 2025  December 31, 2024 
Assets 
Current assets: 
Cash and cash equivalents                        $ 98,283          $ 561,771 
Accounts receivable, net                          652,472            764,550 
Inventories                                     1,365,121          1,286,811 
Commodity derivative assets -- current            135,466            148,801 
Other current assets                              125,067             88,344 
Total current assets                            2,376,409          2,850,277 
Other assets: 
Goodwill                                          127,856            127,856 
Other intangible assets, net                       63,510             69,345 
Right of use assets, net                          108,792            104,630 
Other assets, net                                  96,765            101,055 
Total other assets                                396,923            402,886 
Property, plant and equipment, net                939,500            868,151 
Total assets                                  $ 3,712,832        $ 4,121,314 
 
Liabilities and equity 
Current liabilities: 
Short-term debt                                 $ 249,420          $ 166,614 
Trade and other payables                          918,691          1,047,436 
Customer prepayments and deferred 
 revenue                                          195,331            194,025 
Commodity derivative liabilities -- 
 current                                           51,153             59,766 
Current maturities of long-term debt               63,375             36,139 
Accrued expenses and other current 
 liabilities                                      208,427            227,192 
Total current liabilities                       1,686,397          1,731,172 
Long-term lease liabilities                        71,545             65,312 
Long-term debt, less current 
 maturities                                       560,016            608,151 
Other long-term liabilities                       104,639            116,843 
Total liabilities                               2,422,597          2,521,478 
Total equity                                    1,290,235          1,599,836 
Total liabilities and equity                  $ 3,712,832        $ 4,121,314 
 
 
The Andersons, Inc.Consolidated Statements of Cash Flows(unaudited) 
 
                                          Twelve months ended December 31, 
(in thousands)                            2025              2024 
Operating Activities 
Net income                                       $ 119,301         $ 170,700 
Adjustments to reconcile net income to 
cash provided 
by operating activities: 
Depreciation and amortization                      133,323           127,804 
Bad debt expense, net                                4,664            17,637 
Stock-based compensation expense                    16,984            13,629 
Deferred income taxes                              (6,009)           (2,911) 
Other(1)                                             9,910           (3,595) 
Changes in operating assets and 
liabilities, net of 
assets acquired and liabilities assumed: 
Accounts and notes receivable                      104,572            35,777 
Inventories                                       (72,399)            87,906 
Commodity derivatives                                6,000            15,005 
Other current and non-current assets                 4,732          (28,050) 
Payables and other current and 
 non-current liabilities                         (144,080)         (102,396) 
Net cash provided by operating 
 activities                                        176,998           331,506 
Investing Activities 
Purchases of property, plant and 
 equipment and capitalized 
 software                                        (233,123)         (149,187) 
Property insurance proceeds                         28,124            12,137 
Proceeds from sale of businesses                    11,263                -- 
Acquisition of businesses, net of cash 
 acquired                                               --          (29,172) 
Other                                              (1,579)             3,148 
Net cash used in investing activities            (195,315)         (163,074) 
Financing Activities 
Net (payments) receipts under short-term 
 lines of 
 credit                                             79,897          (91,951) 
Proceeds from issuance of long-term debt            14,700            67,000 
Payments of long-term debt                        (36,208)          (83,589) 
Distributions to noncontrolling interest 
 owner                                            (33,768)         (102,295) 
Dividends paid                                    (26,848)          (26,273) 
Common stock repurchased                          (15,366)           (2,295) 
Purchase of noncontrolling interest in a         (425,000)                -- 
consolidated 
subsidiary 
Other                                              (4,555)          (10,956) 
Net cash used in financing activities            (447,148)         (250,359) 
Effect of exchange rates on cash and 
 cash equivalents                                    1,977             (156) 
Decrease in Cash and cash equivalents            (463,488)          (82,083) 
Cash and cash equivalents at the 
 beginning of the 
 period                                            561,771           643,854 
Cash and cash equivalents at the end of 
 the period                                       $ 98,283         $ 561,771 
(1) Other adjustments to reconcile net income to cash 
provided by operating activities includes asset impairment 
charges of $18.1 million, for the yearended December 31, 2025, to facilitate 
period-over-period 
comparability. 
 
 
The Andersons, Inc.Adjusted Net Income Attributable to The Andersons, 
 Inc.A non-GAAP financial measure(unaudited) 
 
                  Three months               Twelve months endedDecember 
                  endedDecember 31,          31, 
(in thousands,    2025        2024           2025        2024 
except per share 
data) 
Net income          $ 71,092       $ 54,104   $ 119,301        $ 170,700 
Net income 
 attributable to 
 noncontrolling 
 interests             3,658          9,014      23,588           56,688 
Net income 
 attributable to 
 The Andersons, 
 Inc.                 67,434         45,090      95,713          114,012 
Adjustments: 
Insured 
 inventory and 
 property 
 recoveries, net       (216)        (4,446)    (12,861)          (9,650) 
Asset impairment          --             --      11,376               -- 
Transaction 
 related 
 compensation          1,879          2,536       7,462           11,104 
Loss on 
 investments              --          1,535       7,178            1,535 
Acquisition 
 costs                    --          2,738       5,927            2,738 
Loss (gain) on 
 sales of assets 
 and businesses, 
 net                     310             --     (4,447)               -- 
Severance 
 expense               1,480             --       2,677               -- 
Pension                   --             --       1,448               -- 
settlement 
Gain on 
 deconsolidation 
 of joint 
 venture                  --             --          --          (3,117) 
Income tax 
 impact of 
 adjustments(1)        (865)          (590)     (3,514)               42 
Total adjusting 
 items, net of 
 tax                   2,588          1,773      15,246            2,652 
Adjusted net 
 income 
 attributable to 
 The Andersons, 
 Inc.               $ 70,022       $ 46,863   $ 110,959        $ 116,664 
 
Diluted earnings 
 per share 
 attributable to 
 The Andersons, 
 Inc.common 
 shareholders         $ 1.97         $ 1.31      $ 2.79           $ 3.32 
 
Impact on 
 diluted 
 earnings per 
 share                $ 0.07         $ 0.05      $ 0.44           $ 0.08 
Adjusted diluted 
 earnings per 
 share 
 attributable to 
 The 
 Andersons,Inc. 
 common 
 shareholders         $ 2.04         $ 1.36      $ 3.23           $ 3.40 
(1) The income tax impact of adjustments is taken 
 at the blended federal, state, and local tax rate 
 of 25% with the exception of the impairment of an 
 equitymethod investment of $4.4 million in 2025 and certain 
 transaction related compensation in 2024. 
 
Adjusted net income (loss) attributable to The Andersons, 
Inc. reflects reported net income (loss) available 
to The Andersons, Inc. common shareholdersafter the removal of specified 
items described above. 
Adjusted diluted earnings (loss) per share reflects 
the fully diluted EPS of The Andersons, Inc. afterremoval of the effect 
on EPS as reported of specified 
items described above. Management believes that Adjusted 
net income (loss) attributable to TheAndersons, Inc. and Adjusted 
diluted earnings (loss) 
per share are useful measures of The Andersons, Inc. 
performance as they provide investorsadditional information about the 
operations of the 
company allowing better evaluation of underlying business 
performance and better comparability toprevious periods. These non-GAAP 
financial measures 
are not intended to replace or be alternatives to 
Net income attributable to The Andersons, Inc.and Diluted earnings 
attributable to The Andersons, 
Inc. common shareholders as reported, the most directly 
comparable GAAP financial measures, orany other measures of operating 
results under GAAP. 
Earnings amounts described above have been divided 
by the company's average number of dilutedshares outstanding for each 
respective period in order 
to arrive at an adjusted diluted earnings (loss) per 
share amount for each specified item. 
 
 
The Andersons, Inc.Segment Data(unaudited) 
 
(in thousands)         Agribusiness  Renewables  Other       Total 
Three months ended 
December 31, 2025 
Sales and 
 merchandising 
 revenues               $ 1,862,983   $ 673,266        $ --  $ 2,536,249 
Gross profit                179,337      52,154          --      231,491 
Operating, 
 administrative and 
 general expenses           127,320      10,844      12,302      150,466 
Other income (loss), 
 net                          4,095      15,580     (1,032)       18,643 
Income (loss) before 
 income taxes                45,898      54,310    (12,630)       87,578 
Income attributable 
 to noncontrolling 
 interests                    3,658          --          --        3,658 
Income (loss) before 
 income taxes 
 attributable to 
 The Andersons, 
 Inc.(1)                   $ 42,240    $ 54,310  $ (12,630)     $ 83,920 
Adjustments to income 
 before income 
 taxes(2)                     2,798          --         655        3,453 
Adjusted income 
 (loss) before income 
 taxes attributable 
 to The Andersons, 
 Inc.(1)                   $ 45,038    $ 54,310  $ (11,975)     $ 87,373 
 
Three months ended 
December 31, 2024 
Sales and 
 merchandising 
 revenues               $ 2,409,549   $ 713,589        $ --  $ 3,123,138 
Gross profit                176,085      37,025          --      213,110 
Operating, 
 administrative and 
 general expenses           122,923      11,293      12,938      147,154 
Other income (loss), 
 net                         12,039         958     (1,437)       11,560 
Income (loss) before 
 income taxes                55,270      26,020    (14,040)       67,250 
Income attributable 
 to noncontrolling 
 interests                       73       8,941          --        9,014 
Income (loss) before 
 income taxes 
 attributable to 
 The Andersons, 
 Inc.(1)                   $ 55,197    $ 17,079  $ (14,040)     $ 58,236 
Adjustments to income 
 before income 
 taxes(2)                       828          --       1,535        2,363 
Adjusted income 
 (loss) before income 
 taxes attributable 
 to The Andersons, 
 Inc.(1)                   $ 56,025    $ 17,079  $ (12,505)     $ 60,599 
(1) Income (loss) before income taxes attributable 
to The Andersons, Inc. for each operating segment 
is defined as net sales and merchandising revenuesplus identifiable 
other income less all identifiable 
operating expenses, including interest expense for 
carrying working capital and long-term assets and 
isreported net of the noncontrolling interest share 
of income. 
(2) Additional information on the individual adjustments 
that are included in the adjustments to income (loss) 
before income taxes can be found in theReconciliation to EBITDA and 
Adjusted EBITDA table. 
All adjustments are consistent with the EBITDA reconciliation 
with the exception of items where aportion of the expense is 
attributable to the noncontrolling 
interest and is represented in Income attributable 
to the noncontrolling interest within thereconciliation above. These 
adjustments include a 
$0.1 million difference in insured inventory and property 
recoveries, net for the three months endedDecember 31, 2025, and a $0.5 
million difference in 
acquisition costs in the Agribusiness segment for 
the three months ended December 31, 2024. 
 
 
The Andersons, Inc.Segment Data (continued)(unaudited) 
 
(in thousands)       Agribusiness  Renewables   Other       Total 
Twelve months ended 
December 31, 2025 
Sales and 
 merchandising 
 revenues             $ 8,260,004  $ 2,748,924        $ --  $ 11,008,928 
Gross profit              556,907      156,744          --       713,651 
Operating, 
 administrative and 
 general expenses         501,712       46,032      55,619       603,363 
Other income 
 (loss), net               44,874       35,071     (1,605)        78,340 
Income (loss) 
 before income 
 taxes                     56,587      140,102    (55,220)       141,469 
(Loss) income 
 attributable to 
 noncontrolling 
 interests                  (275)       23,863          --        23,588 
Income (loss) 
 before income 
 taxes attributable 
 to 
 The Andersons, 
 Inc.(1)                 $ 56,862    $ 116,239  $ (55,220)     $ 117,881 
Adjustments to 
 income before 
 income taxes(2)            7,378        9,279       2,103        18,760 
Adjusted income 
 (loss) before 
 income taxes 
 attributable 
 to The Andersons, 
 Inc.(1)                 $ 64,240    $ 125,518  $ (53,117)     $ 136,641 
 
Twelve months ended 
December 31, 2024 
Sales and 
 merchandising 
 revenues             $ 8,456,381  $ 2,801,167        $ --  $ 11,257,548 
Gross profit              522,992      170,934          --       693,926 
Operating, 
 administrative and 
 general expenses         418,110       37,011      48,499       503,620 
Other income 
 (loss), net               35,185        8,665     (1,639)        42,211 
Income (loss) 
 before income 
 taxes                    109,156      139,760    (48,159)       200,757 
Income attributable 
 to noncontrolling 
 interests                     73       56,615          --        56,688 
Income (loss) 
 before income 
 taxes attributable 
 to 
 The Andersons, 
 Inc.(1)                $ 109,083     $ 83,145  $ (48,159)     $ 144,069 
Adjustments to 
 income (loss) 
 before income 
 taxes(2)                   4,192      (3,117)       1,535         2,610 
Adjusted income 
 (loss) before 
 income taxes 
 attributable 
 to The Andersons, 
 Inc.(1)                $ 113,275     $ 80,028  $ (46,624)     $ 146,679 
(1) Income (loss) before income taxes attributable 
to The Andersons, Inc. for each operating segment 
is defined as net sales and merchandising revenuesplus identifiable 
other income less all identifiable 
operating expenses, including interest expense for 
carrying working capital and long-term assets and 
isreported net of the noncontrolling interest share 
of income. 
(2) Additional information on the individual adjustments 
that are included in the adjustments to income (loss) 
before income taxes can be found in theReconciliation to EBITDA and 
Adjusted EBITDA table. 
All adjustments are consistent with the EBITDA reconciliation 
with the exception of items where aportion of the expense is 
attributable to the noncontrolling 
interest and is represented in Income attributable 
to the noncontrolling interest within thereconciliation above. These 
adjustments include a 
$5.8 million difference in insured inventory and property 
recoveries, net, and a $2.3 million difference inasset impairments in 
the Agribusiness segment for 
the year ended December 31, 2025, and a $0.5 million 
difference in acquisition costs in the Agribusinesssegment for the year 
ended December 31, 2024. 
 
 
The Andersons, Inc.Adjusted Earnings Before Interest, Taxes, 
Depreciation, 
and Amortization (EBITDA)A non-GAAP financial measure(unaudited) 
 
(in thousands)           Agribusiness  Renewables   Other       Total 
Three months ended 
December 31, 2025 
Net income (loss)            $ 45,898    $ 54,310  $ (29,116)   $ 71,092 
Interest expense 
 (income)                      10,214       2,580       (704)     12,090 
Tax provision                      --          --      16,486     16,486 
Depreciation and 
 amortization                  20,651      12,031         583     33,265 
EBITDA                         76,763      68,921    (12,751)    132,933 
Adjusting items 
impacting EBITDA: 
Transaction related 
 compensation                   1,879          --          --      1,879 
Insured inventory and 
 property recoveries, 
 net                             (72)          --          --       (72) 
Loss on sales of assets 
 and businesses, net              310          --          --        310 
Severance expense                 825          --         655      1,480 
Total adjusting items           2,942          --         655      3,597 
Adjusted EBITDA              $ 79,705    $ 68,921  $ (12,096)  $ 136,530 
 
Three months ended 
December 31, 2024 
Net income (loss)            $ 55,270    $ 26,020  $ (27,186)   $ 54,104 
Interest expense 
 (income)                       9,931         670       (335)     10,266 
Tax provision                      --          --      13,146     13,146 
Depreciation and 
 amortization                  21,144      14,079         955     36,178 
EBITDA                         86,345      40,769    (13,420)    113,694 
Adjusting items 
impacting EBITDA: 
Loss on investments                --          --       1,535      1,535 
Transaction related 
 compensation                   2,536          --          --      2,536 
Insured inventory and 
 property recoveries, 
 net                          (4,446)          --          --    (4,446) 
Acquisition costs               3,193          --          --      3,193 
Total adjusting items           1,283          --       1,535      2,818 
 Adjusted EBITDA             $ 87,628    $ 40,769  $ (11,885)  $ 116,512 
Adjusted EBITDA is defined as earnings before interest, 
taxes and depreciation and amortization, adjusted 
for specified items. The company calculatesadjusted EBITDA by removing 
the impact of specified 
items and adding back the amounts of interest expense, 
tax expense and depreciation andamortization to net income (loss). 
Management believes 
that adjusted EBITDA is a useful measure of the company's 
performance as it provides investorsadditional information about the 
company's operations 
allowing better evaluation of underlying business 
performance and improved comparability to priorperiods. Adjusted EBITDA 
is a non-GAAP financial measure 
and is not intended to replace or be an alternative 
to net income (loss), the most directlycomparable GAAP financial 
measure. 
 
 
The Andersons, Inc.Adjusted Earnings Before Interest, Taxes, 
Depreciation, 
and Amortization (EBITDA)A non-GAAP financial measure(unaudited) 
 
(in thousands)           Agribusiness  Renewables   Other       Total 
Twelve months ended 
December 31, 2025 
Net income (loss)            $ 56,587   $ 140,102  $ (77,388)  $ 119,301 
Interest expense 
 (income)                      43,482       5,681     (2,004)     47,159 
Tax provision                      --          --      22,168     22,168 
Depreciation and 
 amortization                  82,676      48,036       2,611    133,323 
EBITDA                        182,745     193,819    (54,613)    321,951 
Adjusting items 
impacting EBITDA: 
Loss on investments             7,178          --          --      7,178 
Transaction related 
 compensation                   7,462          --          --      7,462 
Insured inventory and 
 property recoveries, 
 net                         (18,620)          --          --   (18,620) 
Gain on sales of assets 
 and businesses, net          (4,447)          --          --    (4,447) 
Severance expense               2,022          --         655      2,677 
Acquisition costs                  --       5,927          --      5,927 
Asset impairment               10,346       3,352          --     13,698 
Pension settlement                 --          --       1,448      1,448 
Total adjusting items           3,941       9,279       2,103     15,323 
Adjusted EBITDA             $ 186,686   $ 203,098  $ (52,510)  $ 337,274 
 
Twelve months ended 
December 31, 2024 
Net income (loss)           $ 109,156   $ 139,760  $ (78,216)  $ 170,700 
Interest expense 
 (income)                      30,911       2,828     (1,979)     31,760 
Tax provision                      --          --      30,057     30,057 
Depreciation and 
 amortization                  72,993      49,705       5,106    127,804 
EBITDA                        213,060     192,293    (45,032)    360,321 
Adjusting items 
impacting EBITDA: 
Loss on investments                --          --       1,535      1,535 
Transaction related 
 compensation                  11,104          --          --     11,104 
Insured inventory and 
 property recoveries, 
 net                          (9,650)          --          --    (9,650) 
Acquisition costs               3,193          --          --      3,193 
Gain on deconsolidation 
 of joint venture                  --     (3,117)          --    (3,117) 
Total adjusting items           4,647     (3,117)       1,535      3,065 
Adjusted EBITDA             $ 217,707   $ 189,176  $ (43,497)  $ 363,386 
Adjusted EBITDA is defined as earnings before interest, 
taxes and depreciation and amortization, adjusted 
for specified items. The company calculatesadjusted EBITDA by removing 
the impact of specified 
items and adding back the amounts of interest expense, 
tax expense and depreciation andamortization to net income (loss). 
Management believes 
that adjusted EBITDA is a useful measure of the company's 
performance as it provides investorsadditional information about the 
company's operations 
allowing better evaluation of underlying business 
performance and improved comparability to priorperiods. Adjusted EBITDA 
is a non-GAAP financial measure 
and is not intended to replace or be an alternative 
to net income (loss), the most directlycomparable GAAP financial 
measure. 
 
 
Andersons, Inc.Cash from Operations Before Working Capital ChangesA 
non-GAAP financial measure(unaudited) 
 
                 Three months endedDecember  Twelve months endedDecember 
                 31,                         31, 
(in thousands)   2025         2024           2025        2024 
Cash provided 
 by (used in) 
 operating 
 activities        $ (6,185)      $ 268,811   $ 176,998        $ 331,506 
Changes in 
operating 
assets and 
liabilities, 
net of 
assets acquired 
and liabilities 
assumed: 
Accounts 
 receivable           61,722         32,279     104,572           35,777 
Inventories        (464,183)      (191,041)    (72,399)           87,906 
Commodity 
 derivatives           3,459       (34,322)       6,000           15,005 
Other current 
 and 
 non-current 
 assets               21,646         31,326       4,732         (28,050) 
Payables and 
 other current 
 and 
 non-current 
 liabilities         261,319        330,673   (144,080)        (102,396) 
Total changes 
 in operating 
 assets and 
 liabilities       (116,037)        168,915   (101,175)            8,242 
Cash from 
 operations 
 before working 
 capital 
 changes           $ 109,852       $ 99,896   $ 278,173        $ 323,264 
Cash from operations before working capital changes 
is defined as cash provided by (used in) operating 
activities before the impact of changes in workingcapital within the 
statement of cash flows. The company 
calculates cash from operations by eliminating the 
effect of changes in accounts receivable,inventories, commodity 
derivatives, other current 
and non-current assets, and payables and other current 
and non-current liabilities; and adjusted by specificitems from the cash 
provided by (used in) operating 
activities. Management believes that cash from operations 
before working capital changes is a usefulmeasure of the company's 
performance as it provides 
investors additional information about the company's 
operations allowing better evaluation ofunderlying business performance 
and improved comparability 
to prior periods. Cash from operations before working 
capital changes is a non-GAAP financialmeasure and is not intended to 
replace or be an alternative 
to cash provided by (used in) operating activities, 
the most directly comparable GAAP financialmeasure. 
 

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February 17, 2026 16:05 ET (21:05 GMT)

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