Stocks analysis

ADM vs AIG Stock Comparison

Scores Breakdown

Metric ADM AIG
πŸ“ˆ Growth 26/30 23/30
πŸ’° Profitability 7/20 12/20
🏦 Financial Health 16/20 15/20
πŸ’΅ Valuation 12/20 10/20
⚠️ Risk (lower is better) 6/10 6/10
Overall Score 65/100 64/100

Side-by-Side Summaries

ADM Analysis AIG Analysis

πŸ“ˆ Growth & Financial Trajectory

Over 8 quarters, ADM's Revenues moved in a narrow band around 19.9–20.5B, ending near 20.49B in Q1 2026 vs 19.94B at the startβ€”a modest +2.9% gain. Net income progressed from about $18M in 2024 Q2 to $303M in 2026 Q1, with a peak of $567M in 2024 Q4, signaling improving profitability despite quarterly volatility.

πŸ’° Margins & Cash Flow

Gross margin remained steady at about 6.3%–6.8% across the period; operating margin hovered around 2%–3%. Operating cash flow was positive in most quarters (e.g., +4.30B in 2025 Q3, +1.81B in 2025 Q2, +0.15B in 2026 Q1), while investing cash flow was consistently negative, and financing activity varied, reflecting ongoing capital allocation.

πŸ›‘οΈ Balance Sheet & Liquidity

Assets run around $52–53B with current assets about $26.6–29B and current liabilities near $18.0–19.6B, giving a healthy current ratio of roughly 1.3–1.5. Debt metrics show long-term debt around $7.6–8.3B and total liabilities around $29–33B, with equity in the low- to mid-$22B range, indicating solid balance-sheet resilience.

⚠️ Key Drivers & Risks

  • Drivers: Commodity cycle for grains/oilseeds; global demand for ADM's processing and ingredients
  • Risks: Commodity price volatility and cyclicality; macroeconomic sensitivity and valuation risk

πŸ“ˆ 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.

πŸ’° 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.

πŸ›‘οΈ 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.