WallStSmart

Assurant, Inc. (AIZ)vsThe Allstate Corporation (ALL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 421% more annual revenue ($70.14B vs $13.46B). ALL leads profitability with a 19.0% profit margin vs 7.9%. ALL appears more attractively valued with a PEG of 1.87. ALL earns a higher WallStSmart Score of 82/100 (A-).

AIZ

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 5.5Value: 5.7Quality: 5.0
Piotroski: 5/9Altman Z: 0.41

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

AIZ3 strengths · Avg: 8.0/10
P/E RatioValuation
13.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

EPS GrowthGrowth
30.5%8/10

Earnings expanding 30.5% 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

AIZ3 concerns · Avg: 3.0/10
PEG RatioValuation
2.164/10

Expensive relative to growth rate

Profit MarginProfitability
7.9%3/10

7.9% margin — thin

Altman Z-ScoreHealth
0.412/10

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 : AIZ

The strongest argument for AIZ 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 : AIZ

The primary concerns for AIZ are PEG Ratio, Profit Margin, Altman Z-Score.

Bear Case : ALL

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

Key Dynamics to Monitor

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

AIZ carries more volatility with a beta of 0.54 — 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 65/100), backed by strong 19.0% margins and 11.8% revenue growth. 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.

Assurant, Inc.

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Assurant, Inc. is a global provider of risk management products and services with headquarters in New York City.

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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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