Stocks analysis

ADBE vs AIZ Stock Comparison

Scores Breakdown

Metric ADBE AIZ
📈 Growth 22/30 26/30
💰 Profitability 17/20 14/20
🏦 Financial Health 16/20 15/20
💵 Valuation 12/20 12/20
⚠️ Risk (lower is better) 4/10 3/10
Overall Score 73/100 74/100

Side-by-Side Summaries

ADBE Analysis AIZ Analysis

📈 Growth & Financial Trajectory

Over 8 quarters, revenue rose from $5.714B (Q2 2024) to $6.618B (Q2 2026), up about 16%. Net income grew from $1.712B to $1.889B, with quarterly fluctuations but an overall positive trend.

💰 Margins & Cash Flow

Gross margin stays in the high 80s to low 90s% (examples: Q4 2025 around 92%, Q2 2026 around 89%). Operating income remains solid near $2.0–$2.3B per quarter. Net cash flow from operating activities is consistently positive, typically around $2.2B–$3.2B per quarter, with occasional stronger quarter (e.g., Q4 2025, $3.16B). Investing/financing flows are mixed but liquidity strong.

🛡️ Balance Sheet & Liquidity

Cash balances range roughly $5.6B–$7.0B; total assets around $28–$30B; current liabilities in the $9–12B range; long-term debt about $4–$6B; equity around $11.4–$11.8B. Leverage moderate; liquidity ample.

⚠️ Key Drivers & Risks

  • Drivers: AI-enabled product enhancements and sustained Creative Cloud/enterprise demand.
  • Risks: Valuation sensitivity to growth trajectory and potential macro swings in end-market demand.

📈 Growth & Financial Trajectory

Over the 8 quarters, Revenues rose from about $2.967B in 2024 Q3 to $3.454B in 2026 Q2, roughly a 16% gain. Net Income advanced from about $133.8M to $298.6M, more than doubling, signaling improving operating leverage though occasional quarterly pauses (notably late 2025). The trend is broadly upward, supported by positive cash flow and expanding profits.

💰 Margins & Cash Flow

Gross margin has hovered in the mid-to-high single digits to low double digits, averaging around 8–11%, with margin expansion by 2026. Operating margin followed suit, with 2026 Q2 showing about 11% OPM on revenue of $3.45B. Cash flow remains robust: Net cash from operating activities was strong in multiple quarters (e.g., 2026 Q2 ≈ $454.4M; 2026 Q1 ≈ $240.3M), while investing cash flow was negative as growth initiatives continued. Net cash flow overall was positive in several quarters.

🛡️ Balance Sheet & Liquidity

Total assets ($36B) exceed liabilities ($30B), and equity sits around $6B, yielding a comfortable balance sheet. Current assets cover current liabilities, and there is minimal noncurrent debt, with steady operating cash flow underpinning liquidity.

⚠️ Key Drivers & Risks

  • Drivers: Steady premium revenue growth; improving operating leverage.
  • Risks: Catastrophe/claims volatility and regulatory/interest-rate sensitivity; competitive pricing pressure.