The Allstate Corporation (ALL)vsHeritage Insurance Hldgs Inc (HRTG)
ALL
The Allstate Corporation
$221.01
+4.82%
FINANCIAL SERVICES · Cap: $54.18B
HRTG
Heritage Insurance Hldgs Inc
$20.88
-1.51%
FINANCIAL SERVICES · Cap: $670.86M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 7935% more annual revenue ($68.17B vs $848.47M). HRTG leads profitability with a 23.8% profit margin vs 17.8%. HRTG trades at a lower P/E of 3.4x. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
HRTG
Strong Buy70
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 38 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
Reasonable price relative to book value
Every $100 of equity generates 39 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 23.9%
Areas to Watch
Expensive relative to growth rate
3.0% revenue growth
Distress zone — elevated risk
0.5% revenue growth
Smaller company, higher risk/reward
Distress zone — elevated risk
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 : HRTG
The strongest argument for HRTG centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 23.8% and operating margin at 23.9%.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Revenue Growth, Altman Z-Score.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
HRTG carries more volatility with a beta of 0.92 — expect wider price swings.
ALL is growing revenue faster at 3.0% — 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 70/100), 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 →Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.
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