The Allstate Corporation (ALL)vsWhite Mountains Insurance Group Ltd (WTM)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
WTM
White Mountains Insurance Group Ltd
$2,205.51
-0.29%
FINANCIAL SERVICES · Cap: $5.47B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 1712% more annual revenue ($67.68B vs $3.73B). WTM leads profitability with a 29.6% profit margin vs 15.2%. 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
WTM
Exceptional Buy82
out of 100
Grade: A-
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
+26.7%
Fair Value
$2924.48
Current Price
$2205.51
$718.97 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
Reasonable price relative to book value
Strong operational efficiency at 64.3%
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Growing faster than its price suggests
Areas to Watch
No major concerns identified
3.5% revenue growth
Grey zone — moderate risk
Weak financial health signals
Earnings declined 36.6%
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 : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 64.3%. PEG of 0.81 suggests the stock is reasonably priced for its growth.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : WTM
The primary concerns for WTM are Revenue Growth, Altman Z-Score, Piotroski F-Score.
Key Dynamics to Monitor
ALL profiles as a mature stock while WTM is a value play — different risk/reward profiles.
WTM carries more volatility with a beta of 0.34 — expect wider price swings.
ALL is growing revenue faster at 5.1% — 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 82/100), backed by strong 15.2% margins. WTM offers better value entry with a 26.7% margin of safety. Both earn "Exceptional Buy" and "Exceptional 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 →White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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