Assurant Inc (AIZ)vsThe Allstate Corporation (ALL)
AIZ
Assurant Inc
$217.02
-0.23%
FINANCIAL SERVICES · Cap: $10.87B
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 428% more annual revenue ($67.68B vs $12.81B). ALL leads profitability with a 15.2% profit margin vs 6.8%. ALL appears more attractively valued with a PEG of 0.45. ALL earns a higher WallStSmart Score of 87/100 (A).
AIZ
Strong Buy66
out of 100
Grade: B-
ALL
Exceptional Buy87
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.8%
Fair Value
$523.84
Current Price
$217.02
$306.82 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
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
6.8% margin — thin
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : AIZ
The strongest argument for AIZ centers on P/E Ratio, Price/Book.
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 : AIZ
The primary concerns for AIZ are PEG Ratio, Profit Margin.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Key Dynamics to Monitor
AIZ profiles as a value stock while ALL is a mature play — different risk/reward profiles.
AIZ carries more volatility with a beta of 0.55 — expect wider price swings.
AIZ is growing revenue faster at 7.9% — 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 66/100), backed by strong 15.2% margins. AIZ offers better value entry with a 58.8% 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.
Assurant Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Assurant, Inc. is a global provider of risk management products and services with headquarters in New York City.
Visit Website →The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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