WallStSmart

The Allstate Corporation (ALL)vsMarkel Corporation (MKL)

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Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 323% more annual revenue ($70.14B vs $16.60B). ALL leads profitability with a 19.0% profit margin vs 13.8%. MKL appears more attractively valued with a PEG of 1.79. ALL earns a higher WallStSmart Score of 82/100 (A-).

ALL

Exceptional Buy

82

out of 100

Grade: A-

Growth: 7.3Profit: 8.5Value: 6.3Quality: 5.5
Piotroski: 5/9Altman Z: 1.42

MKL

Strong Buy

77

out of 100

Grade: B+

Growth: 8.0Profit: 6.5Value: 5.7Quality: 6.0
Piotroski: 4/9Altman Z: 0.80

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALL6 strengths · Avg: 9.3/10
P/E RatioValuation
5.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
39.5%10/10

Every $100 of equity generates 39 in profit

EPS GrowthGrowth
61.2%10/10

Earnings expanding 61.2% YoY

Market CapQuality
$65.71B9/10

Large-cap with strong market position

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

MKL5 strengths · Avg: 9.4/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.1%10/10

Strong operational efficiency at 30.1%

EPS GrowthGrowth
86.8%10/10

Earnings expanding 86.8% YoY

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Areas to Watch

ALL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.914/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.422/10

Distress zone — elevated risk

MKL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.802/10

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 19.0% and operating margin at 22.8%. Revenue growth of 11.8% demonstrates continued momentum.

Bull Case : MKL

The strongest argument for MKL centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : ALL

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

Bear Case : MKL

The primary concerns for MKL are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

ALL profiles as a mature stock while MKL is a value play — different risk/reward profiles.

MKL carries more volatility with a beta of 0.64 — expect wider price swings.

MKL is growing revenue faster at 12.7% — sustainability is the question.

ALL generates stronger free cash flow (2.6B), providing more financial flexibility.

Bottom Line

ALL scores higher overall (82/100 vs 77/100), backed by strong 19.0% margins and 11.8% revenue growth. 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.

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Markel Corporation

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Markel Corporation, a diverse financial holding company, markets and underwrites specialty insurance products in the United States, Bermuda, the United Kingdom, rest of Europe, Canada, Latin America, Asia Pacific and the Middle East. The company is headquartered in Glen Allen, Virginia.

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