The Allstate Corporation (ALL)vsRLI Corp (RLI)
ALL
The Allstate Corporation
$231.60
+4.82%
FINANCIAL SERVICES · Cap: $57.43B
RLI
RLI Corp
$52.38
+4.03%
FINANCIAL SERVICES · Cap: $5.00B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 3491% more annual revenue ($68.17B vs $1.90B). RLI leads profitability with a 20.8% profit margin vs 17.8%. RLI appears more attractively valued with a PEG of 1.73. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
RLI
Buy61
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
Every $100 of equity generates 22 in profit
Keeps 21 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
4.0% revenue growth
Earnings declined 12.2%
Distress zone — elevated risk
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 : RLI
The strongest argument for RLI centers on Return on Equity, Profit Margin, Debt/Equity. Profitability is solid with margins at 20.8% and operating margin at 15.9%.
Bear Case : ALL
The primary concerns for ALL are Revenue Growth, PEG Ratio, Altman Z-Score.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
RLI carries more volatility with a beta of 0.36 — expect wider price swings.
RLI is growing revenue faster at 4.0% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ALL scores higher overall (77/100 vs 61/100), 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 →RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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