Stocks analysis

ADBE vs AIG Stock Comparison

Scores Breakdown

Metric ADBE AIG
📈 Growth 28/30 23/30
💰 Profitability 18/20 12/20
🏦 Financial Health 14/20 15/20
💵 Valuation 14/20 10/20
⚠️ Risk (lower is better) 6/10 6/10
Overall Score 78/100 64/100

Side-by-Side Summaries

ADBE Analysis AIG Analysis

📈 Growth & Financial Trajectory

Eight 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 Flow

Gross 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 & Liquidity

Total 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

  • Drivers: AI-enabled features in Creative Cloud; ongoing subscription growth and enterprise adoption.
  • Risks: Valuation sensitivity to growth trajectory; macro/enterprise spending cycles; competitive pressure in creative software.

📈 Growth & Financial Trajectory

Over the eight quarters, Revenues stayed broadly flat in the $6.4B–$7.2B range, peaking at about $7.18B in 2024 Q4 and easing to around $6.65B by 2026 Q1. Net income progressed from a sizable quarterly loss in 2024 Q3 (~-$3.88B) to positive earnings from 2024 Q4 onward, with a peak near $1.14B in 2025 Q2, then moderating to roughly $0.52B–$0.76B across 2025 Q3–2026 Q1. This reflects meaningful earnings leverage despite a relatively flat revenue base, with a notable mid-2025 uplift followed by stabilization.

💰 Margins & Cash Flow

Operating margins swung from the mid-teens to the low- to mid-20s in 2025 Q2 (peak around 22%), indicating strong operating leverage when volumes align with cost structure. Across quarters, the average margin sits in the low-teens, roughly around 12%. Operating cash flow was positive in most periods, signaling solid cash generation from core activities, while investing cash flow fluctuated and financing cash flow was typically negative, reflecting ongoing debt management and capital activity.

🛡️ Balance Sheet & Liquidity

Assets run roughly $160–$166B with liabilities near $120–$125B and equity around $40–$41B, suggesting a solid asset base and meaningful equity cushion. The structure implies resilience supported by recurring operating cash flow, albeit with ongoing financing activity.

⚠️ Key Drivers & Risks

  • Drivers: Steady core insurance volumes and favorable investment environment supporting earnings uplift.
  • Risks: Earnings volatility from reserve development and sensitivity to macro/regulatory shifts that can affect margins.