Stocks analysis

ADBE vs ALL Stock Comparison

Scores Breakdown

Metric ADBE ALL
📈 Growth 28/30 22/30
💰 Profitability 18/20 14/20
🏦 Financial Health 14/20 18/20
💵 Valuation 14/20 10/20
⚠️ Risk (lower is better) 6/10 6/10
Overall Score 78/100 68/100

Side-by-Side Summaries

ADBE Analysis ALL 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

Across 8 quarters, Allstate’s revenue rose from about $15.714B (2024-Q2) to about $16.941B (2026-Q1), up roughly 7.8%. Net income climbed from about $0.347B to $2.458B, a multi‑fold increase, with a notable surge in late‑2025 before a softer start in 2026.

The trend is positive overall but shows quarterly volatility (e.g., 2025‑Q1 dip followed by stronger 2025‑Q3/Q4). End‑period profitability remains sensitive to cost structure and mix, yet margins improved from multi‑quarter lows to mid‑teens late in 2025 and into 2026.

💰 Margins & Cash Flow

  • Operating margin ranged from about 2.7% (2024‑Q2) to about 28.4% (2025‑Q4), with several quarters in the mid‑teens, indicating substantial margin volatility but a capability to leverage scale when costs align with revenues.
  • Net cash flow from operating activities remained positive in all quarters, averaging around $3.0B per quarter; notably, 2026‑Q1 shows operating cash flow near $3.56B.
  • Investing cash flow was often negative, reflecting capital allocation and reserve considerations, while financing activity flow fluctuated, contributing to variances in overall cash balance.

🛡️ Balance Sheet & Liquidity

  • Current assets consistently exceed current liabilities, yielding a healthy current ratio around 1.3x (roughly 1.29–1.34 over periods).
  • Long‑term debt sits near $8.08B with total liabilities largely dominated by insurance reserves and operating liabilities, while equity (≈$21–31B across periods) provides a meaningful buffer; periods show equity around $24–31B and liabilities near $92–93B.

⚠️ Key Drivers & Risks

  • Drivers: prudent pricing and reserving practices within P&C insurance; managing catastrophe exposure and capital allocation.
  • Risks: quarterly earnings are sensitive to claim volatility and reserve adequacy; macro factors and regulatory changes can impact pricing and claims experience, affecting valuation sensitivity and downside scenarios.