WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 14344% more annual revenue ($67.68B vs $468.60M). ALL leads profitability with a 15.2% profit margin vs 12.3%. ALL trades at a lower P/E of 5.4x. ALL earns a higher WallStSmart Score of 87/100 (A).

ALL

Exceptional Buy

87

out of 100

Grade: A

Growth: 7.3Profit: 8.5Value: 10.0Quality: 6.5
Piotroski: 5/9

HIPO

Buy

51

out of 100

Grade: C-

Growth: 6.7Profit: 5.5Value: 5.7Quality: 5.8
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ALLUndervalued (+88.5%)

Margin of Safety

+88.5%

Fair Value

$1781.21

Current Price

$204.71

$1576.50 discount

UndervaluedFair: $1781.21Overvalued
HIPOSignificantly Overvalued (-83.8%)

Margin of Safety

-83.8%

Fair Value

$15.10

Current Price

$25.85

$10.75 premium

UndervaluedFair: $15.10Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALL6 strengths · Avg: 9.7/10
PEG RatioValuation
0.4510/10

Growing faster than its price suggests

P/E RatioValuation
5.4x10/10

Attractively priced relative to earnings

Return on EquityProfitability
39.5%10/10

Every $100 of equity generates 40 in profit

EPS GrowthGrowth
103.2%10/10

Earnings expanding 103.2% YoY

Market CapQuality
$53.13B9/10

Large-cap with strong market position

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

HIPO4 strengths · Avg: 8.8/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
18.2%8/10

18.2% revenue growth

Areas to Watch

ALL0 concerns · Avg: 0/10

No major concerns identified

HIPO3 concerns · Avg: 2.3/10
Market CapQuality
$664.34M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-86.3%2/10

Earnings declined 86.3%

Free Cash FlowQuality
$-300,0002/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : HIPO

The strongest argument for HIPO centers on P/E Ratio, Debt/Equity, Price/Book. Revenue growth of 18.2% demonstrates continued momentum.

Bear Case : ALL

No major red flags identified for ALL, but monitor valuation.

Bear Case : HIPO

The primary concerns for HIPO are Market Cap, EPS Growth, Free Cash Flow.

Key Dynamics to Monitor

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

HIPO carries more volatility with a beta of 1.63 — expect wider price swings.

HIPO is growing revenue faster at 18.2% — 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 51/100), backed by strong 15.2% margins. Both earn "Exceptional Buy" and "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 sector through advanced technology and a customer-centric model. By leveraging data analytics and artificial intelligence, Hippo enhances underwriting processes and tailors insurance solutions to meet homeowners' specific needs, thereby improving the overall customer experience. With a commitment to rapid claims processing and comprehensive coverage options, Hippo is strategically positioned as a leader in the insurance industry, ready to capitalize on the growing demand for efficient and transparent insurance solutions. As the home insurance landscape evolves, Hippo is well-equipped to seize significant market opportunities and drive future growth.

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