The Allstate Corporation (ALL)vsUniversal Insurance Holdings Inc (UVE)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
UVE
Universal Insurance Holdings Inc
$34.19
-1.95%
FINANCIAL SERVICES · Cap: $978.07M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 4120% more annual revenue ($67.68B vs $1.60B). ALL leads profitability with a 15.2% profit margin vs 11.4%. ALL trades at a lower P/E of 5.4x. ALL earns a higher WallStSmart Score of 87/100 (A).
ALL
Exceptional Buy87
out of 100
Grade: A
UVE
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.5%
Fair Value
$1781.21
Current Price
$204.71
$1576.50 discount
Margin of Safety
+89.4%
Fair Value
$301.86
Current Price
$34.19
$267.67 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 40 in profit
Earnings expanding 103.2% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Every $100 of equity generates 40 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.1%
Areas to Watch
No major concerns identified
Distress zone — elevated risk
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull 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 : UVE
The strongest argument for UVE centers on P/E Ratio, Return on Equity, Debt/Equity.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : UVE
The primary concerns for UVE are Altman Z-Score, Market Cap.
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.
UVE is growing revenue faster at 6.0% — 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 72/100), backed by strong 15.2% margins. UVE offers better value entry with a 89.4% 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 →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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