The Allstate Corporation (ALL)vsPalomar Holdings Inc (PLMR)
ALL
The Allstate Corporation
$221.01
+4.82%
FINANCIAL SERVICES · Cap: $54.18B
PLMR
Palomar Holdings Inc
$108.51
+5.07%
FINANCIAL SERVICES · Cap: $3.04B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 6855% more annual revenue ($68.17B vs $980.27M). PLMR leads profitability with a 20.1% profit margin vs 17.8%. ALL trades at a lower P/E of 4.7x. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
PLMR
Buy64
out of 100
Grade: C+
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
Revenue surging 59.7% year-over-year
Every $100 of equity generates 21 in profit
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 20.3%
Areas to Watch
Expensive relative to growth rate
3.0% revenue growth
Distress zone — elevated risk
0.0% earnings growth
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 : PLMR
The strongest argument for PLMR centers on Revenue Growth, Return on Equity, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 20.3%. Revenue growth of 59.7% demonstrates continued momentum.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Revenue Growth, Altman Z-Score.
Bear Case : PLMR
The primary concerns for PLMR are EPS Growth.
Key Dynamics to Monitor
ALL profiles as a value stock while PLMR is a growth play — different risk/reward profiles.
PLMR carries more volatility with a beta of 0.44 — expect wider price swings.
PLMR is growing revenue faster at 59.7% — 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 64/100), backed by strong 17.8% margins. Both earn "Strong Buy" and "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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