American Integrity Insurance Group, Inc. (AII)vsThe Allstate Corporation (ALL)
AII
American Integrity Insurance Group, Inc.
$19.08
-1.09%
FINANCIAL SERVICES · Cap: $367.69M
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 24381% more annual revenue ($67.68B vs $276.49M). AII leads profitability with a 36.0% profit margin vs 15.2%. AII trades at a lower P/E of 3.3x. ALL earns a higher WallStSmart Score of 87/100 (A).
AII
Strong Buy72
out of 100
Grade: B
ALL
Exceptional Buy87
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+93.1%
Fair Value
$264.42
Current Price
$19.08
$245.34 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
Every $100 of equity generates 40 in profit
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Earnings expanding 70.1% YoY
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
1.4% revenue growth
Smaller company, higher risk/reward
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : AII
The strongest argument for AII centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 36.0% and operating margin at 43.0%.
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 : AII
The primary concerns for AII are Revenue Growth, Market Cap.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Key Dynamics to Monitor
AII profiles as a value stock while ALL is a mature play — different risk/reward profiles.
ALL is growing revenue faster at 5.1% — sustainability is the question.
ALL generates stronger free cash flow (2.9B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ALL scores higher overall (87/100 vs 72/100), backed by strong 15.2% margins. AII offers better value entry with a 93.1% margin of safety. Both earn "Exceptional Buy" and "Strong 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 Integrity Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
American Integrity Insurance Group, Inc. (AII) is a leading provider in the homeowners' and property insurance market, with a strong focus on Florida. The company excels in delivering innovative, customer-centric solutions that cater to the ever-changing demands of homeowners in a competitive insurance landscape. Leveraging advanced technology and data analytics, AII improves claims processing and underwriting precision, which enhances customer satisfaction and loyalty. As the demand for dependable insurance solutions grows, American Integrity's financial stability and strategic approach enable it to capture significant market opportunities, positioning the company for sustained growth and expanding market presence.
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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