The Allstate Corporation (ALL)vsHCI Group Inc (HCI)
ALL
The Allstate Corporation
$213.80
+0.30%
FINANCIAL SERVICES · Cap: $54.87B
HCI
HCI Group Inc
$148.98
-2.14%
FINANCIAL SERVICES · Cap: $1.90B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 7251% more annual revenue ($68.17B vs $927.39M). HCI leads profitability with a 32.6% profit margin vs 17.8%. HCI appears more attractively valued with a PEG of 0.97. HCI earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
HCI
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 45 in profit
Earnings expanding 338.4% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.9%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
1.7% earnings growth
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 47.9%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : ALL
The primary concerns for ALL are Revenue Growth, PEG Ratio.
Bear Case : HCI
The primary concerns for HCI are EPS Growth, Market Cap.
Key Dynamics to Monitor
ALL profiles as a value stock while HCI is a mature play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.09 — expect wider price swings.
HCI is growing revenue faster at 12.2% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (77/100 vs 77/100), 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.
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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