WallStSmart

Assurant, Inc. (AIZ)vsThe Allstate Corporation (ALL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 418% more annual revenue ($68.17B vs $13.16B). ALL leads profitability with a 17.8% profit margin vs 7.6%. AIZ appears more attractively valued with a PEG of 2.16. ALL earns a higher WallStSmart Score of 77/100 (B+).

AIZ

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 5.5Value: 5.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.41

ALL

Strong Buy

77

out of 100

Grade: B+

Growth: 6.7Profit: 8.0Value: 6.3Quality: 5.5
Piotroski: 5/9Altman Z: 1.42

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AIZ3 strengths · Avg: 8.7/10
EPS GrowthGrowth
91.2%10/10

Earnings expanding 91.2% YoY

P/E RatioValuation
13.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

ALL6 strengths · Avg: 9.3/10
P/E RatioValuation
4.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
38.4%10/10

Every $100 of equity generates 38 in profit

EPS GrowthGrowth
338.4%10/10

Earnings expanding 338.4% YoY

Market CapQuality
$54.18B9/10

Large-cap with strong market position

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

AIZ3 concerns · Avg: 3.0/10
PEG RatioValuation
2.164/10

Expensive relative to growth rate

Profit MarginProfitability
7.6%3/10

7.6% margin — thin

Altman Z-ScoreHealth
0.412/10

Distress zone — elevated risk

ALL3 concerns · Avg: 3.3/10
PEG RatioValuation
2.484/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

Altman Z-ScoreHealth
1.422/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AIZ

The strongest argument for AIZ centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 11.3% demonstrates continued momentum.

Bull Case : ALL

The strongest argument for ALL centers on P/E Ratio, Return on Equity, EPS Growth. Profitability is solid with margins at 17.8% and operating margin at 19.0%.

Bear Case : AIZ

The primary concerns for AIZ are PEG Ratio, Profit Margin, Altman Z-Score.

Bear Case : ALL

The primary concerns for ALL are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

AIZ carries more volatility with a beta of 0.57 — expect wider price swings.

AIZ is growing revenue faster at 11.3% — sustainability is the question.

ALL generates stronger free cash flow (3.5B), providing more financial flexibility.

Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ALL scores higher overall (77/100 vs 69/100), backed by strong 17.8% margins. Both earn "Strong 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.

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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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