The Allstate Corporation (ALL)vsPalomar Holdings Inc (PLMR)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
PLMR
Palomar Holdings Inc
$121.84
-0.13%
FINANCIAL SERVICES · Cap: $3.26B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 7627% more annual revenue ($67.68B vs $875.97M). PLMR leads profitability with a 22.5% profit margin vs 15.2%. ALL trades at a lower P/E of 5.4x. ALL earns a higher WallStSmart Score of 87/100 (A).
ALL
Exceptional Buy87
out of 100
Grade: A
PLMR
Strong Buy72
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
+60.8%
Fair Value
$336.02
Current Price
$121.84
$214.18 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
Revenue surging 62.7% year-over-year
Earnings expanding 59.9% YoY
Every $100 of equity generates 24 in profit
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 28.7%
Areas to Watch
No major concerns identified
Weak financial health signals
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 : PLMR
The strongest argument for PLMR centers on Revenue Growth, EPS Growth, Return on Equity. Profitability is solid with margins at 22.5% and operating margin at 28.7%. Revenue growth of 62.7% demonstrates continued momentum.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : PLMR
The primary concerns for PLMR are Piotroski F-Score.
Key Dynamics to Monitor
ALL profiles as a mature stock while PLMR is a growth play — different risk/reward profiles.
PLMR carries more volatility with a beta of 0.53 — expect wider price swings.
PLMR is growing revenue faster at 62.7% — 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 72/100), backed by strong 15.2% margins. PLMR offers better value entry with a 60.8% 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 →Palomar Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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