WallStSmart

The Allstate Corporation (ALL)vsSelective Insurance Group Inc (SIGI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 1168% more annual revenue ($67.68B vs $5.34B). ALL leads profitability with a 15.2% profit margin vs 8.7%. SIGI appears more attractively valued with a PEG of 0.28. 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

SIGI

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 6.0Value: 10.0Quality: 8.0
Piotroski: 5/9Altman Z: 1.87
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ALLUndervalued (+88.5%)

Margin of Safety

+88.5%

Fair Value

$1781.21

Current Price

$204.71

$1576.50 discount

UndervaluedFair: $1781.21Overvalued
SIGIUndervalued (+74.4%)

Margin of Safety

+74.4%

Fair Value

$346.79

Current Price

$73.72

$273.07 discount

UndervaluedFair: $346.79Overvalued

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
$53.13B9/10

Large-cap with strong market position

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

SIGI5 strengths · Avg: 9.8/10
PEG RatioValuation
0.2810/10

Growing faster than its price suggests

P/E RatioValuation
9.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
65.8%10/10

Earnings expanding 65.8% YoY

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

Areas to Watch

ALL0 concerns · Avg: 0/10

No major concerns identified

SIGI1 concerns · Avg: 4.0/10
Altman Z-ScoreHealth
1.874/10

Grey zone — moderate risk

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 : SIGI

The strongest argument for SIGI centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.28 suggests the stock is reasonably priced for its growth.

Bear Case : ALL

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

Bear Case : SIGI

The primary concerns for SIGI are Altman Z-Score.

Key Dynamics to Monitor

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

SIGI carries more volatility with a beta of 0.21 — expect wider price swings.

SIGI is growing revenue faster at 8.6% — 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 74/100), backed by strong 15.2% margins. SIGI offers better value entry with a 74.4% 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 →

Selective Insurance Group Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Selective Insurance Group, Inc., offers insurance products and services in the United States. The company is headquartered in Branchville, New Jersey.

Visit Website →

Want to dig deeper into these stocks?