The Allstate Corporation (ALL)vsW. R. Berkley Corp (WRB)
ALL
The Allstate Corporation
$205.62
+0.76%
FINANCIAL SERVICES · Cap: $53.37B
WRB
W. R. Berkley Corp
$65.74
-0.72%
FINANCIAL SERVICES · Cap: $24.98B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 360% more annual revenue ($67.68B vs $14.71B). ALL leads profitability with a 15.2% profit margin vs 12.1%. ALL appears more attractively valued with a PEG of 0.45. ALL earns a higher WallStSmart Score of 87/100 (A).
ALL
Exceptional Buy87
out of 100
Grade: A
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.5%
Fair Value
$1781.21
Current Price
$205.62
$1575.59 discount
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$65.74
$35.48 premium
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
Revenue surging 150.0% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
No major concerns identified
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
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 : WRB
The strongest argument for WRB centers on Revenue Growth, P/E Ratio, Price/Book. Revenue growth of 150.0% demonstrates continued momentum.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : WRB
The primary concerns for WRB are Piotroski F-Score, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
ALL profiles as a mature stock while WRB is a growth play — different risk/reward profiles.
WRB carries more volatility with a beta of 0.34 — expect wider price swings.
WRB is growing revenue faster at 150.0% — 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 55/100), backed by strong 15.2% margins. Both earn "Exceptional Buy" and "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 →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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