Aspen Insurance Holdings Limited (AHL)vsThe Allstate Corporation (ALL)
AHL
Aspen Insurance Holdings Limited
$37.50
0.00%
FINANCIAL SERVICES · Cap: $2.81B
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 2018% more annual revenue ($67.68B vs $3.19B). ALL leads profitability with a 15.2% profit margin vs 12.9%. AHL trades at a lower P/E of 4.9x. ALL earns a higher WallStSmart Score of 87/100 (A).
AHL
Hold50
out of 100
Grade: D+
ALL
Exceptional Buy87
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+12.5%
Fair Value
$42.70
Current Price
$37.50
$5.20 discount
Margin of Safety
+88.5%
Fair Value
$1781.21
Current Price
$204.71
$1576.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
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
Areas to Watch
Distress zone — elevated risk
Earnings declined 79.7%
Negative free cash flow — burning cash
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : AHL
The strongest argument for AHL centers on P/E Ratio, Price/Book, Debt/Equity.
Bull 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.
Bear Case : AHL
The primary concerns for AHL are Altman Z-Score, EPS Growth, Free Cash Flow.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Key Dynamics to Monitor
AHL profiles as a value stock while ALL is a mature play — different risk/reward profiles.
ALL is growing revenue faster at 5.1% — sustainability is the question.
ALL generates stronger free cash flow (2.9B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ALL scores higher overall (87/100 vs 50/100), backed by strong 15.2% margins. Both earn "Exceptional Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Aspen Insurance Holdings Limited
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Aspen Insurance Holdings Limited, participates in insurance and reinsurance businesses in the United States and internationally. The company is headquartered in Hamilton, Bermuda.
Visit Website →The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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