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Compare Stocks › ADBE vs CL

Adobe Inc. (ADBE) vs Colgate-Palmolive Company (CL)

ADBE
Adobe Inc.
$245.99
VS
CL
Colgate-Palmolive Company
$85.50

Rewards

ADBE
  • ★Adobe Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 89.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Adobe Inc. scores 100/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
CL
  • ★Colgate-Palmolive Company has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 60.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Colgate-Palmolive Company scores 98/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.

Risks

ADBE
    CL
    • ⚠High leverage (23.44x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
    • ⚠7 insider sales totaling $25.1M with no purchases in the past 3 months — insiders are reducing their exposure.

    Key Valuation Metrics

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    ADBE
    CL
    Valuation
    $9.29B
    Free Cash Flow
    $3.08B
    9.20%
    FCF Yield
    4.49%
    14.33
    Trailing P/E
    32.51
    9.33
    Forward P/E
    20.61
    Quality & Moat
    40.36%
    ROIC
    36.80%
    62.36%
    ROE
    584.11%
    89.40%
    Gross Margin
    60.11%
    1.29
    PEG Ratio
    N/A
    Balance Sheet Safety
    0.58
    Debt / Equity
    23.44
    N/A
    Interest Coverage
    N/A
    -0.02
    Net Debt / EBITDA
    1.47
    N/A
    Dividend Yield
    2.48%
    ADBE: 8Ties: 1CL: 1
    ADBECL

    Historical Fundamentals

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    ADBE

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    CL

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    $1 Retained Earnings Test

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    ADBE
    $-0.60
    created per $1 retained over 3 years
    Market Cap Declined
    Σ Retained
    $18.12B
    Δ Market Cap
    $-10.93B
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
    CL
    $-1.07
    created per $1 retained over 3 years
    Market Cap Declined
    Σ Retained
    $1.96B
    Δ Market Cap
    $-2.10B
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Discounted Cash Flow (DCF) Analysis

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    ADBE
    48.4% Margin of Safety
    Price is 48.4% below estimated fair value
    Current Price: $245.99
    Fair Value: $477.11
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued
    CL
    88.2% Overvalued
    Price is 88.2% above estimated fair value
    Current Price: $85.50
    Fair Value: $45.43
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued

    Reverse DCF — Market-Implied Growth

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    ADBE

    What growth rate is the market pricing in at $246?

    +3.0%
    Market-Implied Owner Earnings Growth
    Standard FCF implies -0.7%

    The market implies +3.0% Owner Earnings growth, below historical trends — potential opportunity.

    Standard FCF implies a more demanding -0.7%, reflecting heavy growth investment expected to generate future returns.

    CL

    What growth rate is the market pricing in at $86?

    +15.5%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +10.5%

    The market implies +15.5% Owner Earnings growth, above historical trends.

    Standard FCF implies a demanding +10.5%, reflecting heavy growth investment.

    Economic Moat Score

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    ADBE
    100/100
    Wide Moat
    70+ Wide · 40-69 Narrow · <40 None

    Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
    CL
    98/100
    Wide Moat
    70+ Wide · 40-69 Narrow · <40 None

    Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

    Forensic Accounting

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    ADBE
    -2.85
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
    CL
    -3.00
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Ownership Breakdown

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    ADBE
    Insiders 0.2%Institutions 87.8%Retail & Other 11.9%
    No. of Institutional Holders3,534
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
    CL
    Insiders 0.2%Institutions 86.3%Retail & Other 13.5%
    No. of Institutional Holders2,540
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

    High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

    Insider Buying Activity

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    ADBE
    0
    Buys (3M)
    0
    Buys (12M)
    DURN DANIEL J
    Chief Financial Officer
    $507,758
    @ $390.58 · 2025-03-20
    RICKS DAVID A
    Director
    $998,946
    @ $443.98 · 2025-01-28
    Open market purchases · includes direct & indirect ownership · excludes option exercises
    CL
    0
    Buys (3M)
    0
    Buys (12M)
    No open market insider purchases found.
    Open market purchases · includes direct & indirect ownership · excludes option exercises

    Open market purchases · includes direct & indirect ownership · excludes option exercises.

    Insider Selling Activity

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    ADBE
    1
    Sells (3M)
    3
    Sells (12M)
    Total value (12M): $711,495
    DURN DANIEL J
    Chief Financial Officer
    $485,323
    @ $294.85 · 2026-01-27
    FORUSZ JILLIAN
    Officer
    $50,344
    @ $337.88 · 2025-10-31
    FORUSZ JILLIAN
    Officer
    $175,828
    @ $380.58 · 2025-05-02
    FORUSZ JILLIAN
    Officer
    $145,567
    @ $435.83 · 2025-01-28
    BELSKY SCOTT K
    Officer
    $2.05M
    @ $431.61 · 2025-01-27
    BANSE AMY L
    Director
    $333,300
    @ $550.00 · 2024-12-06
    FORUSZ JILLIAN
    Officer
    $327,987
    @ $485.19 · 2024-10-29
    BELSKY SCOTT K
    Officer
    $232,525
    @ $483.42 · 2024-10-25
    BELSKY SCOTT K
    Officer
    $1.14M
    @ $511.48 · 2024-10-16
    DURN DANIEL J
    Chief Financial Officer
    $3.35M
    @ $515.44 · 2024-09-17
    GARFIELD MARK S.
    Officer
    $52,089
    @ $537.00 · 2024-07-25
    BELSKY SCOTT K
    Officer
    $258,297
    @ $537.00 · 2024-07-25
    GARFIELD MARK S.
    Officer
    $85,255
    @ $564.60 · 2024-07-16
    BELSKY SCOTT K
    Officer
    $1.25M
    @ $561.60 · 2024-07-16
    RAO DANA J.D.
    General Counsel
    $3.56M
    @ $525.51 · 2024-06-17
    GARFIELD MARK S.
    Officer
    $138,735
    @ $525.51 · 2024-06-17
    GARFIELD MARK S.
    Officer
    $265,644
    @ $447.97 · 2024-06-03
    GARFIELD MARK S.
    Officer
    $389,630
    @ $490.10 · 2024-05-06
    BELSKY SCOTT K
    Officer
    $1.29M
    @ $474.30 · 2024-05-02
    GARFIELD MARK S.
    Officer
    $45,436
    @ $468.41 · 2024-04-25
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
    CL
    7
    Sells (3M)
    9
    Sells (12M)
    Total value (12M): $25.35M
    TSOURAPAS PANAGIOTIS
    Officer
    $4.78M
    @ $95.57 · 2026-02-12
    HAZLIN JOHN
    Officer
    $1.98M
    @ $94.25 · 2026-02-10
    MALCOLM GREGORY
    Officer
    $1.21M
    @ $94.91 · 2026-02-06
    MASSEY SALLY
    Officer
    $1.51M
    @ $95.03 · 2026-02-05
    DANIELS JENNIFER M.
    Officer
    $2.08M
    @ $94.34 · 2026-02-04
    SUTULA STANLEY J III
    Chief Financial Officer
    $9.22M
    @ $94.27 · 2026-02-04
    WALLACE NOEL R
    Chief Executive Officer
    $4.28M
    @ $93.91 · 2026-02-04
    MASSEY SALLY
    Officer
    $100,061
    @ $80.89 · 2025-11-21
    MASSEY SALLY
    Officer
    $200,183
    @ $88.97 · 2025-05-15
    MASSEY SALLY
    Officer
    $736,152
    @ $92.02 · 2025-02-25
    MALCOLM GREGORY
    Officer
    $101,121
    @ $95.94 · 2024-11-26
    WALLACE NOEL R
    Chief Executive Officer
    $3.17M
    @ $95.00 · 2024-11-22
    SUTULA STANLEY J III
    Chief Financial Officer
    $4.27M
    @ $94.11 · 2024-11-05
    SUTULA STANLEY J III
    Chief Financial Officer
    $4.68M
    @ $93.53 · 2024-11-01
    HUND-MEJEAN MARTINA
    Director
    $240,228
    @ $103.86 · 2024-08-23
    DANIELS JENNIFER M.
    Officer
    $2.26M
    @ $102.76 · 2024-08-08
    TSOURAPAS PANAGIOTIS
    Officer
    $1.52M
    @ $102.94 · 2024-08-08
    MASSEY SALLY
    Officer
    $1.64M
    @ $103.28 · 2024-08-06
    MALCOLM GREGORY
    Officer
    $1.09M
    @ $103.10 · 2024-08-06
    KOOYMAN JOHN W
    Officer
    $2.55M
    @ $102.88 · 2024-08-06
    TSOURAPAS PANAGIOTIS
    Officer
    $3.98M
    @ $99.47 · 2024-07-31
    DANIELS JENNIFER M.
    Officer
    $2.09M
    @ $94.15 · 2024-05-14
    MASSEY SALLY
    Officer
    $1.15M
    @ $94.06 · 2024-05-09
    TSOURAPAS PANAGIOTIS
    Officer
    $1.13M
    @ $94.15 · 2024-05-09
    KOOYMAN JOHN W
    Officer
    $326,882
    @ $93.47 · 2024-05-07
    BILBREY JOHN P.
    Director
    $579,696
    @ $91.59 · 2024-05-01
    MASSEY SALLY
    Officer
    $562,091
    @ $91.92 · 2024-05-01
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

    🎭 Mr. Market's Mood

    Learn more →
    ADBE
    FearGreed
    😨Fear(27/100)

    "Market is pessimistic — investigate whether fears are temporary or structural"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
    CL
    FearGreed
    😐Neutral(44/100)

    "Market is pricing this stock without strong emotion in either direction"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    ⚖️ Buffett Signal

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    ADBE
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Fear (27)
    CL
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Neutral (44)
    View ADBE Full AnalysisView CL Full Analysis