The Allstate Corporation (ALL)vsNI Holdings Inc (NODK)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
NODK
NI Holdings Inc
$12.95
-1.07%
FINANCIAL SERVICES · Cap: $271.38M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 23645% more annual revenue ($67.68B vs $285.05M). ALL leads profitability with a 15.2% profit margin vs -3.6%. ALL earns a higher WallStSmart Score of 87/100 (A).
ALL
Exceptional Buy87
out of 100
Grade: A
NODK
Avoid30
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.5%
Fair Value
$1781.21
Current Price
$204.71
$1576.50 discount
Intrinsic value data unavailable for NODK.
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
Reasonable price relative to book value
Areas to Watch
No major concerns identified
0.6% earnings growth
Smaller company, higher risk/reward
ROE of -4.3% — below average capital efficiency
Revenue declined 17.5%
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 : NODK
The strongest argument for NODK centers on Price/Book.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : NODK
The primary concerns for NODK are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ALL profiles as a mature stock while NODK is a turnaround play — different risk/reward profiles.
NODK carries more volatility with a beta of 0.38 — 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 30/100), backed by strong 15.2% margins. Both earn "Exceptional Buy" and "Avoid" 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 →NI Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company is headquartered in Fargo, North Dakota.
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