American Financial Group Inc (AFG)vsThe Allstate Corporation (ALL)
AFG
American Financial Group Inc
$126.85
-0.69%
FINANCIAL SERVICES · Cap: $10.64B
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 752% more annual revenue ($67.68B vs $7.94B). ALL leads profitability with a 15.2% profit margin vs 10.6%. ALL appears more attractively valued with a PEG of 0.45. ALL earns a higher WallStSmart Score of 87/100 (A).
AFG
Buy61
out of 100
Grade: C+
ALL
Exceptional Buy87
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+64.4%
Fair Value
$362.07
Current Price
$126.85
$235.22 discount
Margin of Safety
+88.5%
Fair Value
$1781.21
Current Price
$204.71
$1576.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 21.3%
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 40 in profit
Earnings expanding 103.2% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Revenue declined 3.4%
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : AFG
The strongest argument for AFG centers on P/E Ratio, Price/Book, Operating Margin.
Bull Case : ALL
The strongest argument for ALL centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.2% and operating margin at 29.0%. PEG of 0.45 suggests the stock is reasonably priced for its growth.
Bear Case : AFG
The primary concerns for AFG are PEG Ratio, Piotroski F-Score, Revenue Growth.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Key Dynamics to Monitor
AFG profiles as a declining stock while ALL is a mature play — different risk/reward profiles.
AFG carries more volatility with a beta of 0.67 — expect wider price swings.
ALL is growing revenue faster at 5.1% — sustainability is the question.
ALL generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (87/100 vs 61/100), backed by strong 15.2% margins. AFG offers better value entry with a 64.4% margin of safety. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
American Financial Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
American Financial Group, Inc., an insurance holding company, offers property and casualty insurance products in the United States. The company is headquartered in Cincinnati, Ohio.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
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