The Allstate Corporation (ALL)vsHeritage Insurance Hldgs Inc (HRTG)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
HRTG
Heritage Insurance Hldgs Inc
$26.41
-0.90%
FINANCIAL SERVICES · Cap: $792.88M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 7888% more annual revenue ($67.68B vs $847.33M). HRTG leads profitability with a 23.1% profit margin vs 15.2%. HRTG trades at a lower P/E of 4.1x. ALL earns a higher WallStSmart Score of 87/100 (A).
ALL
Exceptional Buy87
out of 100
Grade: A
HRTG
Strong Buy74
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
+91.4%
Fair Value
$295.78
Current Price
$26.41
$269.37 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 49 in profit
Strong operational efficiency at 41.6%
Keeps 23 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
No major concerns identified
2.4% revenue growth
2.3% earnings growth
Smaller company, higher risk/reward
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 : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 23.1% and operating margin at 41.6%.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
ALL profiles as a mature stock while HRTG is a value play — different risk/reward profiles.
HRTG carries more volatility with a beta of 0.93 — expect wider price swings.
ALL is growing revenue faster at 5.1% — 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 74/100), backed by strong 15.2% margins. HRTG offers better value entry with a 91.4% 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 →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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