AFL vs ALB Stock Comparison
Scores Breakdown
| Metric | AFL | ALB |
|---|---|---|
| 📈 Growth | 6/30 | 27/30 |
| 💰 Profitability | 18/20 | 15/20 |
| 🏦 Financial Health | 15/20 | 18/20 |
| 💵 Valuation | 12/20 | 14/20 |
| ⚠️ Risk (lower is better) | 7/10 | 7/10 |
| Overall Score | 54/100 | 77/100 |
Side-by-Side Summaries
| AFL Analysis | ALB Analysis |
|---|---|
📈 Growth & Financial TrajectoryEight 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 FlowOperating 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 & LiquidityCurrent 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
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📈 Growth & Financial TrajectoryAcross eight quarters, ALBEMARLE shows modest revenue growth from about $1.43B in 2024-Q2 to $1.74B in 2026-Q2, a gain of ~22%. Net income evolved from a loss of about -$176.6M to a positive $499.2M in 2026-Q2, with a mid-2025 dip, then a clear recovery into 2026. 💰 Margins & Cash FlowGross margin expanded from a negative figure in 2024-Q2 to roughly 35% in 2025-Q1 and remained around the high 30% into 2026. Operating leverage benefited from higher margin production in later quarters. Net cash flow from operating activities, continuing, stayed strong, with $709.997M in 2026-Q2 and positive quarterly cash generation overall. Free cash flow was primarily consumed by investing activities, which were negative but the company still reported a positive overall cash flow in 2026-Q2. 🛡️ Balance Sheet & LiquidityTotal assets of about $15.9B and equity of ~$10.5B support a solid balance sheet. Current assets of roughly $3.9B and current liabilities of $1.89B yield a healthy current ratio around 2.1x. Long-term debt remains moderate at about $1.88B, keeping balance-sheet risk contained. ⚠️ Key Drivers & Risks
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