ACGL vs ADM Stock Comparison

Scores Breakdown

Metric	ACGL	ADM
📈 Growth	16/30	26/30
💰 Profitability	17/20	16/20
🏦 Financial Health	18/20	18/20
💵 Valuation	14/20	14/20
⚠️ Risk (lower is better)	4/10	7/10
Overall Score	71/100	77/100

Side-by-Side Summaries

ACGL Analysis	ADM Analysis
📈 Growth & Financial Trajectory From 2024 Q3 to 2026 Q2, Revenues remained in a tight band around $4.47–$5.21B, finishing at $4.67B in 2026 Q2 (slightly below the start). The eight-quarter path shows a trough in 2025 Q3 (~~$4.51B) and a peak in 2025 Q2 (~~$5.21B), signaling modest top-line volatility rather than sustained growth. Conversely, Net Income Attributable To Parent rose from about $886M in 2024 Q3 to $1.057B in 2026 Q2, reflecting improving profitability despite revenue fluctuations. Net income growth (~+19%) over the period supports a cautious positive trajectory. 💰 Margins & Cash Flow Operating margins have been solid, frequently in the mid-20s to low-30s range (examples: 2025 Q1 ~30%, 2025 Q3 ~34%, 2024 Q4 ~14–21% depending on quarter’s mix). This indicates healthy operating leverage when revenue spikes occur. Cash flow shows robust operating activity: Net Cash Flow From Operating Activities generally around $1.1–$2.2B per quarter (e.g., 2026 Q2 ~$1.32B, 2025 Q4 ~$2.19B). Investing activities are routinely negative, with ongoing cash used for growth, while financing activity varies by quarter. Overall, cash generation supports ongoing liquidity and shareholder value. 🛡️ Balance Sheet & Liquidity Balance sheets exhibit solid liquidity and limited noncurrent leverage. Across quarters, current assets exceed current liabilities (e.g., 2026 Q2: $85.18B vs. $61.15B current liabilities), yielding a healthy current ratio (~1.4). Noncurrent liabilities are effectively zero, and equity attributable to parent sits around $24.0–$24.2B, implying durable solvency and resilience against near-term shocks. ⚠️ Key Drivers & Risks Drivers: Insurance underwriting performance, pricing discipline, and favorable catastrophe experience can sustain margins and earnings; strong capital markets support reinsurance activities. Risks: Catastrophe losses, regulatory changes, and revenue cyclicality can pressure margins and cash flows; valuation sensitivity to premiums/rates and reserve development.	📈 Growth & Financial Trajectory Over the 8 quarters, Revenues progressed from about $21.50B (2024 Q4) to $22.68B (2026 Q2), with a mid-period trough in 2025 Q4 near $18.56B. Net income rose from about $0.42B to roughly $0.91B by 2026 Q2, though 2025 saw a dip before the rebound. The 8-quarter trend shows growth, albeit choppy, culminating in a clear earnings acceleration on a year-over-year basis. 💰 Margins & Cash Flow Gross margin expanded from the mid single digits (roughly 6.4%–7%) to around 9% in 2026 Q1 and roughly 8.5% in 2026 Q2, signaling better product mix and leverage. Operating margin ran in the low-to-mid single digits, reflecting ongoing efficiency gains amid revenue volatility. Operating cash flow remained positive for most quarters; 2026 Q1 shows strong cash from operations, while 2026 Q2 recorded a net cash outflow driven by investing/financing activities. Investing cash flow remained negative as capex/activity persisted. 🛡️ Balance Sheet & Liquidity Assets of about $52–53B supported by equity around $22–23B and liabilities of roughly $29–30B, yielding solid leverage metrics. Current assets > current liabilities in most periods, with a healthy liquidity cushion and modest long-term debt (~$7.6B). ⚠️ Key Drivers & Risks Drivers: Demand in food/agri value chain; favorable margin trajectory from mix improvement and cost discipline. Risks: Commodity/price cycles and cyclicality; potential valuation sensitivity to commodity and macro shifts.

ACGL Analysis

ADM Analysis

📈 Growth & Financial Trajectory

From 2024 Q3 to 2026 Q2, Revenues remained in a tight band around $4.47–$5.21B, finishing at $4.67B in 2026 Q2 (slightly below the start). The eight-quarter path shows a trough in 2025 Q3 (~~$4.51B) and a peak in 2025 Q2 (~~$5.21B), signaling modest top-line volatility rather than sustained growth. Conversely, Net Income Attributable To Parent rose from about $886M in 2024 Q3 to $1.057B in 2026 Q2, reflecting improving profitability despite revenue fluctuations. Net income growth (~+19%) over the period supports a cautious positive trajectory.

💰 Margins & Cash Flow

Operating margins have been solid, frequently in the mid-20s to low-30s range (examples: 2025 Q1 ~30%, 2025 Q3 ~34%, 2024 Q4 ~14–21% depending on quarter’s mix). This indicates healthy operating leverage when revenue spikes occur. Cash flow shows robust operating activity: Net Cash Flow From Operating Activities generally around $1.1–$2.2B per quarter (e.g., 2026 Q2 ~$1.32B, 2025 Q4 ~$2.19B). Investing activities are routinely negative, with ongoing cash used for growth, while financing activity varies by quarter. Overall, cash generation supports ongoing liquidity and shareholder value.

🛡️ Balance Sheet & Liquidity

Balance sheets exhibit solid liquidity and limited noncurrent leverage. Across quarters, current assets exceed current liabilities (e.g., 2026 Q2: $85.18B vs. $61.15B current liabilities), yielding a healthy current ratio (~1.4). Noncurrent liabilities are effectively zero, and equity attributable to parent sits around $24.0–$24.2B, implying durable solvency and resilience against near-term shocks.

⚠️ Key Drivers & Risks

Drivers: Insurance underwriting performance, pricing discipline, and favorable catastrophe experience can sustain margins and earnings; strong capital markets support reinsurance activities.
Risks: Catastrophe losses, regulatory changes, and revenue cyclicality can pressure margins and cash flows; valuation sensitivity to premiums/rates and reserve development.

📈 Growth & Financial Trajectory

Over the 8 quarters, Revenues progressed from about $21.50B (2024 Q4) to $22.68B (2026 Q2), with a mid-period trough in 2025 Q4 near $18.56B. Net income rose from about $0.42B to roughly $0.91B by 2026 Q2, though 2025 saw a dip before the rebound. The 8-quarter trend shows growth, albeit choppy, culminating in a clear earnings acceleration on a year-over-year basis.

💰 Margins & Cash Flow

Gross margin expanded from the mid single digits (roughly 6.4%–7%) to around 9% in 2026 Q1 and roughly 8.5% in 2026 Q2, signaling better product mix and leverage.
Operating margin ran in the low-to-mid single digits, reflecting ongoing efficiency gains amid revenue volatility.
Operating cash flow remained positive for most quarters; 2026 Q1 shows strong cash from operations, while 2026 Q2 recorded a net cash outflow driven by investing/financing activities. Investing cash flow remained negative as capex/activity persisted.

🛡️ Balance Sheet & Liquidity

Assets of about $52–53B supported by equity around $22–23B and liabilities of roughly $29–30B, yielding solid leverage metrics. Current assets > current liabilities in most periods, with a healthy liquidity cushion and modest long-term debt (~$7.6B).

⚠️ Key Drivers & Risks

Drivers: Demand in food/agri value chain; favorable margin trajectory from mix improvement and cost discipline.
Risks: Commodity/price cycles and cyclicality; potential valuation sensitivity to commodity and macro shifts.

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