The Allstate Corporation (ALL)vsUnited Fire Group Inc (UFCS)
ALL
The Allstate Corporation
$258.48
+1.88%
FINANCIAL SERVICES · Cap: $64.15B
UFCS
United Fire Group Inc
$55.43
+0.09%
FINANCIAL SERVICES · Cap: $1.44B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 4662% more annual revenue ($70.14B vs $1.47B). ALL leads profitability with a 19.0% profit margin vs 9.6%. UFCS appears more attractively valued with a PEG of 1.41. ALL earns a higher WallStSmart Score of 82/100 (A-).
ALL
Exceptional Buy82
out of 100
Grade: A-
UFCS
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Earnings expanding 61.2% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Earnings expanding 48.3% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Smaller company, higher risk/reward
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 19.0% and operating margin at 22.8%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : UFCS
The strongest argument for UFCS centers on P/E Ratio, Price/Book, Debt/Equity. Revenue growth of 14.4% demonstrates continued momentum. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Altman Z-Score.
Bear Case : UFCS
The primary concerns for UFCS are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ALL profiles as a mature stock while UFCS is a value play — different risk/reward profiles.
UFCS carries more volatility with a beta of 0.51 — expect wider price swings.
UFCS is growing revenue faster at 14.4% — sustainability is the question.
ALL generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (82/100 vs 73/100), backed by strong 19.0% margins and 11.8% revenue growth. 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 →United Fire Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
United Fire Group, Inc., offers property and casualty insurance for individuals and businesses in the United States. The company is headquartered in Cedar Rapids, Iowa.
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