WallStSmart

American Financial Group, Inc. (AFG)vsThe Allstate Corporation (ALL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 771% more annual revenue ($70.14B vs $8.06B). ALL leads profitability with a 19.0% profit margin vs 11.8%. ALL appears more attractively valued with a PEG of 1.87. ALL earns a higher WallStSmart Score of 82/100 (A-).

AFG

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 6.5Value: 5.7Quality: 4.0
Piotroski: 2/9Altman Z: 0.17

ALL

Exceptional Buy

82

out of 100

Grade: A-

Growth: 7.3Profit: 8.5Value: 6.3Quality: 5.5
Piotroski: 5/9Altman Z: 1.42

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AFG3 strengths · Avg: 8.0/10
P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

EPS GrowthGrowth
44.3%8/10

Earnings expanding 44.3% YoY

ALL6 strengths · Avg: 9.3/10
P/E RatioValuation
5.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
39.5%10/10

Every $100 of equity generates 39 in profit

EPS GrowthGrowth
61.2%10/10

Earnings expanding 61.2% YoY

Market CapQuality
$64.15B9/10

Large-cap with strong market position

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

AFG3 concerns · Avg: 3.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.172/10

Distress zone — elevated risk

ALL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.874/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.422/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AFG

The strongest argument for AFG centers on P/E Ratio, Price/Book, EPS Growth.

Bull 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.

Bear Case : AFG

The primary concerns for AFG are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Bear Case : ALL

The primary concerns for ALL are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

AFG profiles as a value stock while ALL is a mature play — different risk/reward profiles.

AFG carries more volatility with a beta of 0.60 — 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 (82/100 vs 69/100), 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.

American Financial Group, Inc.

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

American Financial Group, Inc., an insurance holding company, offers property and casualty insurance products in the United States. The company is headquartered in Cincinnati, Ohio.

The Allstate Corporation

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.

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