ADP vs ALL Stock Comparison

Scores Breakdown

Metric	ADP	ALL
📈 Growth	22/30	22/30
💰 Profitability	18/20	14/20
🏦 Financial Health	9/20	18/20
💵 Valuation	14/20	10/20
⚠️ Risk (lower is better)	6/10	6/10
Overall Score	67/100	68/100

Metric

ADP

ALL

📈 Growth

22/30

💰 Profitability

18/20

14/20

🏦 Financial Health

9/20

18/20

💵 Valuation

14/20

10/20

⚠️ Risk (lower is better)

6/10

Overall Score

67/100

68/100

Side-by-Side Summaries

ADP Analysis	ALL Analysis
📈 Growth & Financial Trajectory Across eight quarters, ADP's revenue hovered around $5.25B–$5.56B, finishing at about $5.359B in the latest quarter, a modest gain from the start. Net income rose from roughly $956.3M to $1.062B, an ~11% increase. There was a mid-period dip in 2025 Q4, but the longer trajectory remains stable-to-up with solid profitability. 💰 Margins & Cash Flow Gross Margin fluctuated roughly 45%–52%, averaging around the mid-40s to high-40s. Operating Margin consistently around 23% in recent quarters. Net Margin near 19–20%. Operating cash flow remains solid around $1.0–$1.4B per quarter; net cash flow is affected by financing activity in some periods, with a large financing inflow in the latest quarter. 🛡️ Balance Sheet & Liquidity Total assets generally in the mid-to-high $50B range; liabilities near $50–$60B and equity around $4–$6B, yielding a modest liquidity buffer as current assets roughly equal current liabilities. Leverage is elevated but cash generation is steady. ⚠️ Key Drivers & Risks Drivers: Recurring payroll/data processing services; broad client base and scale advantages. Risks: Regulatory/macro shifts and reliance on financing activity in some periods, creating sensitivity to funding costs and leverage.	📈 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.

ADP Analysis

ALL Analysis

📈 Growth & Financial Trajectory

Across eight quarters, ADP's revenue hovered around $5.25B–$5.56B, finishing at about $5.359B in the latest quarter, a modest gain from the start. Net income rose from roughly $956.3M to $1.062B, an ~11% increase. There was a mid-period dip in 2025 Q4, but the longer trajectory remains stable-to-up with solid profitability.

💰 Margins & Cash Flow

Gross Margin fluctuated roughly 45%–52%, averaging around the mid-40s to high-40s.
Operating Margin consistently around 23% in recent quarters.
Net Margin near 19–20%.
Operating cash flow remains solid around $1.0–$1.4B per quarter; net cash flow is affected by financing activity in some periods, with a large financing inflow in the latest quarter.

🛡️ Balance Sheet & Liquidity

Total assets generally in the mid-to-high $50B range; liabilities near $50–$60B and equity around $4–$6B, yielding a modest liquidity buffer as current assets roughly equal current liabilities. Leverage is elevated but cash generation is steady.

⚠️ Key Drivers & Risks

Drivers: Recurring payroll/data processing services; broad client base and scale advantages.
Risks: Regulatory/macro shifts and reliance on financing activity in some periods, creating sensitivity to funding costs and leverage.

📈 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.

ADP vs ALL Stock Comparison

Scores Breakdown

Side-by-Side Summaries

📈 Growth & Financial Trajectory

💰 Margins & Cash Flow

🛡️ Balance Sheet & Liquidity

⚠️ Key Drivers & Risks

📈 Growth & Financial Trajectory

💰 Margins & Cash Flow

🛡️ Balance Sheet & Liquidity

⚠️ Key Drivers & Risks

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