The Allstate Corporation (ALL)vsHCI Group Inc (HCI)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
HCI
HCI Group Inc
$153.85
-0.76%
FINANCIAL SERVICES · Cap: $2.00B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 7413% more annual revenue ($67.68B vs $900.95M). HCI leads profitability with a 33.2% profit margin vs 15.2%. ALL appears more attractively valued with a PEG of 0.45. ALL earns a higher WallStSmart Score of 87/100 (A).
ALL
Exceptional Buy87
out of 100
Grade: A
HCI
Strong Buy79
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.5%
Fair Value
$1781.21
Current Price
$204.71
$1576.50 discount
Margin of Safety
+84.5%
Fair Value
$1063.30
Current Price
$153.85
$909.45 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Keeps 33 of every $100 in revenue as profit
Revenue surging 48.0% year-over-year
Earnings expanding 1612.0% YoY
Growing faster than its price suggests
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Operating margin of -3.6%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 33.2% and operating margin at -3.6%. Revenue growth of 48.0% demonstrates continued momentum.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : HCI
The primary concerns for HCI are Market Cap, Operating Margin.
Key Dynamics to Monitor
ALL profiles as a mature stock while HCI is a growth play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.11 — expect wider price swings.
HCI is growing revenue faster at 48.0% — 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 79/100), backed by strong 15.2% margins. HCI offers better value entry with a 84.5% 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.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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