WallStSmart

The Allstate Corporation (ALL)vsHippo Holdings Inc (HIPO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 13344% more annual revenue ($68.17B vs $507.10M). HIPO leads profitability with a 23.9% profit margin vs 17.8%. ALL trades at a lower P/E of 5.8x. ALL earns a higher WallStSmart Score of 72/100 (B).

ALL

Strong Buy

72

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 5.7Quality: 5.5
Piotroski: 5/9Altman Z: 1.42

HIPO

Strong Buy

68

out of 100

Grade: B-

Growth: 9.3Profit: 7.0Value: 6.7Quality: 5.5
Piotroski: 4/9Altman Z: -0.23

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALL6 strengths · Avg: 9.3/10
P/E RatioValuation
5.8x10/10

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
$68.11B9/10

Large-cap with strong market position

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

HIPO6 strengths · Avg: 9.2/10
P/E RatioValuation
6.9x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
660.0%10/10

Earnings expanding 660.0% YoY

Return on EquityProfitability
25.1%9/10

Every $100 of equity generates 25 in profit

Profit MarginProfitability
23.9%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

ALL3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

PEG RatioValuation
3.152/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.422/10

Distress zone — elevated risk

HIPO2 concerns · Avg: 2.5/10
Market CapQuality
$860.82M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.232/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : HIPO

The strongest argument for HIPO centers on P/E Ratio, EPS Growth, Return on Equity. Profitability is solid with margins at 23.9% and operating margin at 8.0%. Revenue growth of 23.4% demonstrates continued momentum.

Bear Case : ALL

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

Bear Case : HIPO

The primary concerns for HIPO are Market Cap, Altman Z-Score.

Key Dynamics to Monitor

ALL profiles as a value stock while HIPO is a growth play — different risk/reward profiles.

HIPO carries more volatility with a beta of 1.55 — expect wider price swings.

HIPO is growing revenue faster at 23.4% — sustainability is the question.

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

Bottom Line

ALL scores higher overall (72/100 vs 68/100), 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.

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Hippo Holdings Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Hippo Holdings Inc. (HIPO) is an innovative insurtech company transforming the home insurance landscape through advanced technology and a strong customer-centric model. Utilizing artificial intelligence and data analytics, Hippo enhances underwriting processes and tailors insurance offerings to meet the distinct needs of homeowners. The company prioritizes expedited claims processing and broad coverage options, positioning itself to gain a competitive edge in a market that increasingly values transparency and efficiency. As the home insurance industry continues to evolve, Hippo's commitment to modernizing traditional practices underscores its potential for substantial growth and market leadership.

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