The Allstate Corporation (ALL)vsUniversal Insurance Holdings Inc (UVE)
ALL
The Allstate Corporation
$221.01
+4.82%
FINANCIAL SERVICES · Cap: $54.18B
UVE
Universal Insurance Holdings Inc
$37.33
+5.21%
FINANCIAL SERVICES · Cap: $1.06B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 4154% more annual revenue ($68.17B vs $1.60B). ALL leads profitability with a 17.8% profit margin vs 12.2%. ALL trades at a lower P/E of 4.7x. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
UVE
Strong Buy66
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
Every $100 of equity generates 33 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 30.6% YoY
Areas to Watch
Expensive relative to growth rate
3.0% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 0.3%
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 17.8% and operating margin at 19.0%.
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, Revenue Growth, Altman Z-Score.
Bear Case : UVE
The primary concerns for UVE are Market Cap, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
ALL profiles as a value stock while UVE is a declining play — different risk/reward profiles.
UVE carries more volatility with a beta of 0.75 — expect wider price swings.
ALL is growing revenue faster at 3.0% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (77/100 vs 66/100), 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 →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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