WallStSmart

The Allstate Corporation (ALL)vsProgressive Corp (PGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Progressive Corp generates 29% more annual revenue ($87.64B vs $67.68B). ALL leads profitability with a 15.2% profit margin vs 12.9%. ALL appears more attractively valued with a PEG of 0.45. ALL earns a higher WallStSmart Score of 87/100 (A).

ALL

Exceptional Buy

87

out of 100

Grade: A

Growth: 7.3Profit: 8.5Value: 10.0Quality: 6.5
Piotroski: 5/9

PGR

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 7.3Quality: 5.3
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ALLUndervalued (+88.5%)

Margin of Safety

+88.5%

Fair Value

$1781.21

Current Price

$205.62

$1575.59 discount

UndervaluedFair: $1781.21Overvalued
PGRUndervalued (+77.2%)

Margin of Safety

+77.2%

Fair Value

$914.94

Current Price

$206.00

$708.94 discount

UndervaluedFair: $914.94Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALL6 strengths · Avg: 9.7/10
PEG RatioValuation
0.4510/10

Growing faster than its price suggests

P/E RatioValuation
5.4x10/10

Attractively priced relative to earnings

Return on EquityProfitability
39.5%10/10

Every $100 of equity generates 40 in profit

EPS GrowthGrowth
103.2%10/10

Earnings expanding 103.2% YoY

Market CapQuality
$53.37B9/10

Large-cap with strong market position

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

PGR5 strengths · Avg: 9.0/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Return on EquityProfitability
40.5%10/10

Every $100 of equity generates 41 in profit

Market CapQuality
$120.70B9/10

Large-cap with strong market position

EPS GrowthGrowth
25.2%8/10

Earnings expanding 25.2% YoY

Free Cash FlowQuality
$3.05B8/10

Generating 3.0B in free cash flow

Areas to Watch

ALL0 concerns · Avg: 0/10

No major concerns identified

PGR1 concerns · Avg: 2.0/10
PEG RatioValuation
31.062/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull 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 : PGR

The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.

Bear Case : ALL

No major red flags identified for ALL, but monitor valuation.

Bear Case : PGR

The primary concerns for PGR are PEG Ratio.

Key Dynamics to Monitor

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

PGR carries more volatility with a beta of 0.29 — expect wider price swings.

PGR is growing revenue faster at 12.2% — sustainability is the question.

PGR generates stronger free cash flow (3.0B), providing more financial flexibility.

Bottom Line

ALL scores higher overall (87/100 vs 67/100), backed by strong 15.2% margins. PGR offers better value entry with a 77.2% 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 →

Progressive Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.

Visit Website →

Want to dig deeper into these stocks?