ADP vs AIG Stock Comparison

Scores Breakdown

Metric	ADP	AIG
📈 Growth	26/30	12/30
💰 Profitability	18/20	14/20
🏦 Financial Health	12/20	12/20
💵 Valuation	14/20	12/20
⚠️ Risk (lower is better)	6/10	7/10
Overall Score	74/100	53/100

Side-by-Side Summaries

ADP Analysis	AIG Analysis
📈 Growth & Financial Trajectory Over the 8 quarters, revenues rose from about $4.77B (2024 Q4) to about $5.36B (2026 Q4). Net income progressed from roughly $0.83B to $1.06B, a 28% increase, signaling earnings leverage as the top line expanded. The quarterly path fluctuated—peaking near $5.55B in 2025 Q3/Q4 before settling in the $5.2–$5.36B range—yet the trend remains clearly positive. The Gross Margin held in the high-40s to mid-50s, while Operating Margin stayed in the low- to mid-20s, underpinning a solid profitability trajectory. 💰 Margins & Cash Flow Gross Margin: roughly 46–56% across periods, with a peak around 56%. Operating Margin: generally 20–24%, supporting meaningful operating leverage. Net cash flow from operating activities was consistently positive in most quarters, while investing cash flow was mostly modestly negative and financing activity contributed steady liquidity. 🛡️ Balance Sheet & Liquidity Current assets ($52B) vs current liabilities ($50B) yields a tight but adequate liquidity cushion. Liabilities ($57B) exceed equity ($6B), indicating leverage, but assets and ongoing operating cash flows provide resilience. The balance sheet remains stable with a solid asset base. ⚠️ Key Drivers & Risks Drivers: Recurring payroll/data-processing demand; large installed base and stable cash flows. Risks: Valuation sensitivity to growth momentum; exposure to regulatory shifts or macro cycles.	📈 Growth & Financial Trajectory Across eight quarters from 2024Q4 to 2026Q2, Revenues rose from about $6.75B to $7.09B (~5% growth). Net income started strong at ~$1.334B in 2024Q4 but declined to ~$0.948B in 2026Q2, signaling earnings volatility. The trend features modest top-line expansion with a mix of quarterly profit swings; operating income in 2026Q2 was ~$1.264B on revenue of about $7.085B, implying positive leverage. Peak earnings occurred in late 2024 with a dip mid-2025, followed by partial recovery in 2026. 💰 Margins & Cash Flow Operating margin has hovered in the low-to-mid teens, with 2026Q2 delivering roughly an 18% margin. Net cash flow from operating activities was positive in most quarters, notably continuing cash flow of about $1.716B in 2026Q2, underscoring cash generation. Investing cash flow remained negative as the firm deployed assets, and financing cash flow was cash-using, tempering total free cash flow despite solid operating cash flow. 🛡️ Balance Sheet & Liquidity Assets run around $161–$165B; Liabilities around $122–$125B and Equity near $41B. The rough current ratio sits around 1.3–1.4, indicating liquidity cushion but sizable near-term obligations. Some quarters show atypical balance-sheet numbers (e.g., concentrated current liabilities), yet the overall base remains substantial for resilience. ⚠️ Key Drivers & Risks Drivers: Insurance premiums and investment income; rising interest-rate environment. Risks: Earnings volatility and sensitivity to reserve and regulatory changes; near-term liquidity and leverage considerations.

ADP Analysis

AIG Analysis

📈 Growth & Financial Trajectory

Over the 8 quarters, revenues rose from about $4.77B (2024 Q4) to about $5.36B (2026 Q4). Net income progressed from roughly $0.83B to $1.06B, a 28% increase, signaling earnings leverage as the top line expanded. The quarterly path fluctuated—peaking near $5.55B in 2025 Q3/Q4 before settling in the $5.2–$5.36B range—yet the trend remains clearly positive. The Gross Margin held in the high-40s to mid-50s, while Operating Margin stayed in the low- to mid-20s, underpinning a solid profitability trajectory.

💰 Margins & Cash Flow

Gross Margin: roughly 46–56% across periods, with a peak around 56%.
Operating Margin: generally 20–24%, supporting meaningful operating leverage.
Net cash flow from operating activities was consistently positive in most quarters, while investing cash flow was mostly modestly negative and financing activity contributed steady liquidity.

🛡️ Balance Sheet & Liquidity

Current assets ($52B) vs current liabilities ($50B) yields a tight but adequate liquidity cushion.
Liabilities ($57B) exceed equity ($6B), indicating leverage, but assets and ongoing operating cash flows provide resilience. The balance sheet remains stable with a solid asset base.

⚠️ Key Drivers & Risks

Drivers: Recurring payroll/data-processing demand; large installed base and stable cash flows.
Risks: Valuation sensitivity to growth momentum; exposure to regulatory shifts or macro cycles.

📈 Growth & Financial Trajectory

Across eight quarters from 2024Q4 to 2026Q2, Revenues rose from about $6.75B to $7.09B (~5% growth). Net income started strong at ~$1.334B in 2024Q4 but declined to ~$0.948B in 2026Q2, signaling earnings volatility. The trend features modest top-line expansion with a mix of quarterly profit swings; operating income in 2026Q2 was ~$1.264B on revenue of about $7.085B, implying positive leverage. Peak earnings occurred in late 2024 with a dip mid-2025, followed by partial recovery in 2026.

💰 Margins & Cash Flow

Operating margin has hovered in the low-to-mid teens, with 2026Q2 delivering roughly an 18% margin. Net cash flow from operating activities was positive in most quarters, notably continuing cash flow of about $1.716B in 2026Q2, underscoring cash generation. Investing cash flow remained negative as the firm deployed assets, and financing cash flow was cash-using, tempering total free cash flow despite solid operating cash flow.

🛡️ Balance Sheet & Liquidity

Assets run around $161–$165B; Liabilities around $122–$125B and Equity near $41B. The rough current ratio sits around 1.3–1.4, indicating liquidity cushion but sizable near-term obligations. Some quarters show atypical balance-sheet numbers (e.g., concentrated current liabilities), yet the overall base remains substantial for resilience.

⚠️ Key Drivers & Risks

Drivers: Insurance premiums and investment income; rising interest-rate environment.
Risks: Earnings volatility and sensitivity to reserve and regulatory changes; near-term liquidity and leverage considerations.

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