The Allstate Corporation (ALL)vsUnited Fire Group Inc (UFCS)
ALL
The Allstate Corporation
$221.01
+4.82%
FINANCIAL SERVICES · Cap: $54.18B
UFCS
United Fire Group Inc
$45.23
+3.29%
FINANCIAL SERVICES · Cap: $1.22B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 4685% more annual revenue ($68.17B vs $1.42B). ALL leads profitability with a 17.8% profit margin vs 9.2%. UFCS appears more attractively valued with a PEG of 1.41. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
UFCS
Strong Buy69
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 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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 71.6% YoY
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
3.0% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : UFCS
The strongest argument for UFCS centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 11.6% 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, Revenue Growth, Altman Z-Score.
Bear Case : UFCS
The primary concerns for UFCS are Market Cap.
Key Dynamics to Monitor
UFCS carries more volatility with a beta of 0.53 — expect wider price swings.
UFCS is growing revenue faster at 11.6% — 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 69/100), backed by strong 17.8% margins. Both earn "Strong 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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