ADM vs AFL Stock Comparison

Scores Breakdown

Metric	ADM	AFL
📈 Growth	26/30	6/30
💰 Profitability	16/20	18/20
🏦 Financial Health	18/20	15/20
💵 Valuation	14/20	12/20
⚠️ Risk (lower is better)	7/10	7/10
Overall Score	77/100	54/100

Side-by-Side Summaries

ADM Analysis	AFL Analysis
📈 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.	📈 Growth & Financial Trajectory Eight quarters show a revenue path from $5.403B (2024 Q3) to $4.117B (2026 Q2). A trough occurred in 2025 Q1 with $4.16B rev and $29M net income. Revenues then recovered to the high 4.7–4.9B range in 2025 H2, before easing again to $4.12B in 2026 Q2. Net income moved from $1.902B (2024 Q3) to $0.825B (2026 Q2), with a dip to $29M in 2025 Q1. Overall, the trend is negative on revenue and earnings, but several quarters display strong operating performance (notably 2024 Q3 and late-2025/2026). 💰 Margins & Cash Flow Operating margins were robust on several quarters, averaging in the mid-60s percent, peaking around 75% in 2024 Q3 and hovering near 70% in late 2025–2026; a trough around 40–41% occurred in 2025 Q2. Cash flow from operations remained positive across periods (e.g., $315M in 2024 Q4, $1.27B in 2025 Q3, $112M in 2026 Q2), while investing/financing swings produced occasional negative free cash flow (notably 2025 Q1 and 2026 Q1). 🛡️ Balance Sheet & Liquidity Current assets consistently exceed current liabilities (e.g., 2026 Q2: Current Assets $115.96B vs Current Liabilities $85.65B). Total assets run in the $116–$125B range with equity around $28–$30B, indicating a solid reserve position given insurer-liability balances. Leverage remains typical for an insurance franchise, with ample liquidity cushions. ⚠️ Key Drivers & Risks Drivers: Stable insurance premium streams and investment income support, with favorable rate environments aiding capital generation. Risks: Earnings volatility from reserve dynamics and regulatory shifts; sensitivity to interest-rate changes and macro cycle could compress margins during downturns.

ADM Analysis

AFL Analysis

📈 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.

📈 Growth & Financial Trajectory

Eight quarters show a revenue path from $5.403B (2024 Q3) to $4.117B (2026 Q2). A trough occurred in 2025 Q1 with $4.16B rev and $29M net income. Revenues then recovered to the high 4.7–4.9B range in 2025 H2, before easing again to $4.12B in 2026 Q2. Net income moved from $1.902B (2024 Q3) to $0.825B (2026 Q2), with a dip to $29M in 2025 Q1. Overall, the trend is negative on revenue and earnings, but several quarters display strong operating performance (notably 2024 Q3 and late-2025/2026).

💰 Margins & Cash Flow

Operating margins were robust on several quarters, averaging in the mid-60s percent, peaking around 75% in 2024 Q3 and hovering near 70% in late 2025–2026; a trough around 40–41% occurred in 2025 Q2. Cash flow from operations remained positive across periods (e.g., $315M in 2024 Q4, $1.27B in 2025 Q3, $112M in 2026 Q2), while investing/financing swings produced occasional negative free cash flow (notably 2025 Q1 and 2026 Q1).

🛡️ Balance Sheet & Liquidity

Current assets consistently exceed current liabilities (e.g., 2026 Q2: Current Assets $115.96B vs Current Liabilities $85.65B). Total assets run in the $116–$125B range with equity around $28–$30B, indicating a solid reserve position given insurer-liability balances. Leverage remains typical for an insurance franchise, with ample liquidity cushions.

⚠️ Key Drivers & Risks

Drivers: Stable insurance premium streams and investment income support, with favorable rate environments aiding capital generation.
Risks: Earnings volatility from reserve dynamics and regulatory shifts; sensitivity to interest-rate changes and macro cycle could compress margins during downturns.

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