Compare Stocks › ADBE vs XYZ
Adobe Inc. (ADBE) vs Block, Inc. (XYZ)
ADBE
Adobe Inc.
$245.99
VS
XYZ
Block, Inc.
$58.99
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.
XYZ
- ★Free cash flow has grown at a 681.1% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Management has timed buybacks well — 2 out of 3 years showed value-accretive repurchases.
- ★Trailing P/E of 28.1x is 98% below the historical average of 1305.4x — potentially undervalued relative to its own history.
Risks
ADBE
XYZ
- ⚠Each dollar of retained earnings has produced only $0.35 of market value — shareholders may have been better served by dividends.
- ⚠Despite buyback spending, shares outstanding increased in 2 out of 3 years — stock-based compensation is offsetting repurchases.
- ⚠7 insider sales totaling $1.2M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →ADBE
XYZ
Valuation
$9.29B
Free Cash Flow
$-1.03B
9.20%
FCF Yield
-2.89%
14.33
Trailing P/E
28.09
9.33
Forward P/E
12.48
Quality & Moat
40.36%
ROIC
4.89%
62.36%
ROE
5.89%
89.40%
Gross Margin
43.06%
1.29
PEG Ratio
N/A
Balance Sheet Safety
0.58
Debt / Equity
0.40
N/A
Interest Coverage
N/A
-0.02
Net Debt / EBITDA
0.86
N/A
Dividend Yield
N/A
ADBE: 8Ties: 1XYZ: 1
ADBEXYZ
Historical Fundamentals
Learn more →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.
XYZ
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
Learn more →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
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
XYZ
$0.35
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$4.21B
Δ Market Cap
+$1.48B
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
> $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
Learn more →ADBE
48.4% Margin of Safety
Price is 48.4% below estimated fair value
Current Price: $245.99
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $477.11
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
XYZ
61.5% Margin of Safety
Price is 61.5% below estimated fair value
Current Price: $58.99
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $153.29
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →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.
XYZ
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →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.
XYZ
40/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with reinvestment efficiency as the key competitive advantage. Improving roic consistency would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →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.
XYZ
-2.62
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
Learn more →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.
XYZ
Insiders 1.3%Institutions 83.5%Retail & Other 15.2%
No. of Institutional Holders1,435
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
Learn more →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
XYZ
0
Buys (3M)
0
Buys (12M)
BOTHA ROELOF FREDERICK
Director
$25.00M
@ $57.55 · 2024-08-06
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →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
XYZ
7
Sells (3M)
57
Sells (12M)
Total value (12M): $20.18M
JENNINGS OWEN BRITTON
Officer
$225,423
@ $63.41 · 2026-03-03
GRASSADONIA BRIAN
Officer
$517,450
@ $50.00 · 2026-02-24
GRASSADONIA BRIAN
Officer
$202,286
@ $66.96 · 2026-01-06
AHUJA AMRITA
Chief Operating Officer
$70,442
@ $63.98 · 2026-01-02
DALE AJMERE SINGH
Officer
$76,354
@ $65.09 · 2026-01-02
JENNINGS OWEN BRITTON
Officer
$52,592
@ $63.98 · 2026-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$21,177
@ $63.98 · 2026-01-02
GRASSADONIA BRIAN
Officer
$897,596
@ $61.71 · 2025-11-24
DALE AJMERE SINGH
Officer
$167,254
@ $61.40 · 2025-11-21
AHUJA AMRITA
Chief Operating Officer
$611,483
@ $61.40 · 2025-11-21
JENNINGS OWEN BRITTON
Officer
$639,604
@ $61.40 · 2025-11-21
WEBER ARNAUD
Officer
$435,633
@ $61.40 · 2025-11-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$221,531
@ $61.40 · 2025-11-21
DALE AJMERE SINGH
Officer
$60,000
@ $80.00 · 2025-10-08
GRASSADONIA BRIAN
Officer
$2.81M
@ $80.00 · 2025-10-08
AHUJA AMRITA
Chief Operating Officer
$198,871
@ $75.70 · 2025-10-03
GRASSADONIA BRIAN
Officer
$229,104
@ $75.84 · 2025-10-03
DALE AJMERE SINGH
Officer
$93,045
@ $73.26 · 2025-10-02
JENNINGS OWEN BRITTON
Officer
$78,508
@ $74.77 · 2025-10-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$30,357
@ $74.77 · 2025-10-02
AHUJA AMRITA
Chief Operating Officer
$493,575
@ $75.00 · 2025-09-16
GRASSADONIA BRIAN
Officer
$744,102
@ $76.24 · 2025-09-02
DALE AJMERE SINGH
Officer
$291,556
@ $74.60 · 2025-08-25
AHUJA AMRITA
Chief Operating Officer
$1.20M
@ $73.90 · 2025-08-22
JENNINGS OWEN BRITTON
Officer
$1.39M
@ $73.50 · 2025-08-22
PRASANNA DHANANJAY
Officer
$417,181
@ $73.72 · 2025-08-21
GRASSADONIA BRIAN
Officer
$473,238
@ $73.20 · 2025-08-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$264,179
@ $73.20 · 2025-08-21
PRASANNA DHANANJAY
Officer
$274,284
@ $76.19 · 2025-08-15
PRASANNA DHANANJAY
Officer
$32,796
@ $81.99 · 2025-08-08
PRASANNA DHANANJAY
Chief Technology Officer
$269,748
@ $74.93 · 2025-08-01
DALE AJMERE SINGH
Officer
$40,000
@ $80.00 · 2025-07-23
PRASANNA DHANANJAY
Officer
$64,000
@ $80.00 · 2025-07-23
AHUJA AMRITA
Chief Operating Officer
$1.29M
@ $78.60 · 2025-07-21
JENNINGS OWEN BRITTON
Officer
$313,850
@ $78.60 · 2025-07-21
PRASANNA DHANANJAY
Officer
$246,568
@ $68.49 · 2025-07-17
DALE AJMERE SINGH
Officer
$25,349
@ $69.26 · 2025-07-02
AHUJA AMRITA
Chief Operating Officer
$93,570
@ $69.26 · 2025-07-02
JENNINGS OWEN BRITTON
Officer
$72,723
@ $69.26 · 2025-07-02
GRASSADONIA BRIAN
Officer
$92,947
@ $69.26 · 2025-07-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$28,120
@ $69.26 · 2025-07-02
PRASANNA DHANANJAY
Officer
$407,048
@ $67.84 · 2025-07-02
PRASANNA DHANANJAY
Officer
$177,828
@ $63.51 · 2025-06-16
JENNINGS OWEN BRITTON
Officer
$142,025
@ $65.00 · 2025-06-06
PRASANNA DHANANJAY
Officer
$169,568
@ $60.56 · 2025-06-02
PRASANNA DHANANJAY
Officer
$695,039
@ $61.41 · 2025-05-27
JENNINGS OWEN BRITTON
Officer
$852,216
@ $56.30 · 2025-05-22
DALE AJMERE SINGH
Officer
$108,720
@ $56.39 · 2025-05-21
AHUJA AMRITA
Chief Operating Officer
$564,013
@ $56.39 · 2025-05-21
GRASSADONIA BRIAN
Officer
$366,197
@ $56.39 · 2025-05-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$169,678
@ $56.39 · 2025-05-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$412,500
@ $55.00 · 2025-05-12
DALE AJMERE SINGH
Officer
$53,874
@ $55.31 · 2025-04-02
AHUJA AMRITA
Chief Operating Officer
$111,031
@ $56.19 · 2025-04-02
JENNINGS OWEN BRITTON
Officer
$70,968
@ $56.19 · 2025-04-02
GRASSADONIA BRIAN
Officer
$105,918
@ $56.19 · 2025-04-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$20,509
@ $56.19 · 2025-04-02
JENNINGS OWEN BRITTON
Officer
$851,111
@ $69.30 · 2025-02-24
GRASSADONIA BRIAN
Officer
$539,083
@ $69.35 · 2025-02-24
DALE AJMERE SINGH
Officer
$103,159
@ $70.32 · 2025-02-21
AHUJA AMRITA
Chief Operating Officer
$446,180
@ $70.32 · 2025-02-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$114,411
@ $70.32 · 2025-02-21
GRASSADONIA BRIAN
Officer
$378,855
@ $89.44 · 2025-01-03
DALE AJMERE SINGH
Officer
$177,252
@ $86.72 · 2025-01-02
AHUJA AMRITA
Chief Operating Officer
$129,953
@ $86.52 · 2025-01-02
JENNINGS OWEN BRITTON
Officer
$253,486
@ $89.38 · 2025-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$36,165
@ $86.52 · 2025-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$272,175
@ $95.00 · 2024-12-02
AHUJA AMRITA
Chief Operating Officer
$910,434
@ $91.71 · 2024-11-22
GRASSADONIA BRIAN
Officer
$1.06M
@ $91.49 · 2024-11-22
DALE AJMERE SINGH
Officer
$162,837
@ $91.43 · 2024-11-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$179,294
@ $91.43 · 2024-11-21
GRASSADONIA BRIAN
Officer
$28,531
@ $83.67 · 2024-11-18
ESPERANZA CHRISTINEGRACE GANAL
Officer
$61,830
@ $90.00 · 2024-11-18
DALE AJMERE SINGH
Officer
$165,000
@ $82.50 · 2024-11-12
ESPERANZA CHRISTINEGRACE GANAL
Officer
$480,135
@ $82.45 · 2024-11-12
ESPERANZA CHRISTINEGRACE GANAL
Officer
$225,600
@ $75.20 · 2024-11-06
AHUJA AMRITA
Chief Operating Officer
$509,202
@ $65.26 · 2024-10-03
GRASSADONIA BRIAN
Officer
$274,613
@ $64.84 · 2024-10-03
DALE AJMERE SINGH
Officer
$77,259
@ $66.09 · 2024-10-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$33,752
@ $65.41 · 2024-10-02
AHUJA AMRITA
Chief Operating Officer
$643,257
@ $64.80 · 2024-08-22
GRASSADONIA BRIAN
Officer
$753,132
@ $64.84 · 2024-08-22
DALE AJMERE SINGH
Officer
$90,968
@ $64.70 · 2024-08-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$126,877
@ $64.70 · 2024-08-21
DALE AJMERE SINGH
Officer
$30,940
@ $61.88 · 2024-08-13
ESPERANZA CHRISTINEGRACE GANAL
Officer
$175,000
@ $70.00 · 2024-07-15
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
😨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.
XYZ
😨Fear(37/100)
"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.
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
Learn more →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)
XYZ
⚪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 (37)