The Allstate Corporation (ALL)vsUniversal Insurance Holdings Inc (UVE)
ALL
The Allstate Corporation
$250.20
-0.60%
FINANCIAL SERVICES · Cap: $62.42B
UVE
Universal Insurance Holdings Inc
$45.98
-2.61%
FINANCIAL SERVICES · Cap: $1.31B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 4105% more annual revenue ($70.14B vs $1.67B). ALL leads profitability with a 19.0% profit margin vs 14.0%. ALL trades at a lower P/E of 4.9x. ALL earns a higher WallStSmart Score of 85/100 (A-).
ALL
Exceptional Buy85
out of 100
Grade: A-
UVE
Strong Buy67
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
Every $100 of equity generates 33 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 30.4% 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 : UVE
The strongest argument for UVE centers on P/E Ratio, Return on Equity, Debt/Equity.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Altman Z-Score.
Bear Case : UVE
The primary concerns for UVE are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ALL profiles as a mature stock while UVE is a value play — different risk/reward profiles.
UVE carries more volatility with a beta of 0.70 — expect wider price swings.
ALL is growing revenue faster at 11.8% — sustainability is the question.
ALL generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (85/100 vs 67/100), 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 →Universal Insurance Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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