The Allstate Corporation (ALL)vsNI Holdings Inc (NODK)
ALL
The Allstate Corporation
$221.01
+4.82%
FINANCIAL SERVICES · Cap: $54.18B
NODK
NI Holdings Inc
$14.58
+1.53%
FINANCIAL SERVICES · Cap: $308.04M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 24852% more annual revenue ($68.17B vs $273.22M). ALL leads profitability with a 17.8% profit margin vs -1.6%. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
NODK
Hold45
out of 100
Grade: D
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
Reasonable price relative to book value
Earnings expanding 94.9% YoY
Strong operational efficiency at 26.4%
Areas to Watch
Expensive relative to growth rate
3.0% revenue growth
Distress zone — elevated risk
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of -1.7% — below average capital efficiency
Revenue declined 16.6%
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 : NODK
The strongest argument for NODK centers on Price/Book, EPS Growth, Operating Margin.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Revenue Growth, Altman Z-Score.
Bear Case : NODK
The primary concerns for NODK are Altman Z-Score, Market Cap, Return on Equity.
Key Dynamics to Monitor
ALL profiles as a value 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 3.0% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (77/100 vs 45/100), backed by strong 17.8% margins. Both earn "Strong Buy" and "Hold" 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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