ACGL vs ADBE Stock Comparison
Scores Breakdown
| Metric | ACGL | ADBE |
|---|---|---|
| 📈 Growth | 14/30 | 28/30 |
| 💰 Profitability | 16/20 | 18/20 |
| 🏦 Financial Health | 19/20 | 14/20 |
| 💵 Valuation | 12/20 | 14/20 |
| ⚠️ Risk (lower is better) | 3/10 | 6/10 |
| Overall Score | 68/100 | 78/100 |
Side-by-Side Summaries
| ACGL Analysis | ADBE Analysis |
|---|---|
📈 Growth & Financial TrajectoryAcross the 8 most recent quarters (Q1 2026 through Q2 2024), ARCH Capital's revenues edged from about $4.521B to $4.229B, a decline of roughly 6-7%. Net income moved from about $1.047B to $0.988B, a modest downshift. The trajectory shows quarterly fluctuations but an overall stable earnings base, with operating income around $1.1B+ in most periods. 💰 Margins & Cash FlowMargins hovered in the mid-20% range (roughly 21–26%), and operating margins were similar, signaling disciplined costs and underwriting leverage. Cash flow: operating cash flow was robust in most quarters (e.g., Q1 2026 continuing ops of $1.189B; Q4 2025 around $1.404B), while investing and financing activities were frequently negative, reflecting asset deployment and capital returns. In Q1 2026, net cash flow was -$0.286B due to financing outflows. 🛡️ Balance Sheet & LiquidityAssets around $81.4B in Q1 2026, with current liabilities around $57.3B; current ratio ~1.4x. Equity near $24.2B and noncurrent liabilities essentially zero, implying strong liquidity and flexibility. ⚠️ Key Drivers & Risks
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📈 Growth & Financial TrajectoryEight quarters show a steady top-line advance from about Revenues of $5.31B to about $6.62B, a roughly 25% gain. Net income remained resilient around $1.7–$1.9B, with modest quarterly swings. The company sustained strong operating margins aided by high gross margin discipline, underscoring durable profitability across periods. 💰 Margins & Cash FlowGross margin stayed in the high-80s, supporting healthy operating income of roughly $2.0–$2.4B on $5.3–$6.6B in Revenues. Net cash flow from operating activities tended positive around $2–3B per quarter, while investing/financing activities produced meaningful outflows, leading to periodic negative overall cash flow. Cash balances ranged ~$5–8B, with a gradual but modest decline as capital deployment evolved. 🛡️ Balance Sheet & LiquidityTotal assets sit near $29–30B with liabilities around $18–18.5B and equity near $11.5B, signaling solid capitalization. The near-term liquidity position shows a tighter profile: current assets ~ $9.0B vs current liabilities ~ $12.0B. Cash reserves provide liquidity, though aggregate cash declined in later quarters due to investing/financing activity. ⚠️ Key Drivers & Risks
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