The Allstate Corporation (ALL)vsCincinnati Financial Corporation (CINF)
ALL
The Allstate Corporation
$221.01
+4.82%
FINANCIAL SERVICES · Cap: $57.43B
CINF
Cincinnati Financial Corporation
$165.29
+2.88%
FINANCIAL SERVICES · Cap: $26.14B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 427% more annual revenue ($68.17B vs $12.93B). CINF leads profitability with a 21.3% profit margin vs 17.8%. CINF appears more attractively valued with a PEG of 2.19. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
CINF
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Earnings expanding 338.4% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 67.3% YoY
Conservative balance sheet, low leverage
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ALL
The strongest argument for ALL centers on P/E Ratio, Return on Equity, EPS Growth. Profitability is solid with margins at 17.8% and operating margin at 19.0%.
Bull Case : CINF
The strongest argument for CINF centers on P/E Ratio, EPS Growth, Debt/Equity. Profitability is solid with margins at 21.3% and operating margin at 11.8%. Revenue growth of 11.6% demonstrates continued momentum.
Bear Case : ALL
The primary concerns for ALL are Revenue Growth, PEG Ratio, Altman Z-Score.
Bear Case : CINF
The primary concerns for CINF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ALL profiles as a value stock while CINF is a mature play — different risk/reward profiles.
CINF carries more volatility with a beta of 0.58 — expect wider price swings.
CINF is growing revenue faster at 11.6% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (77/100 vs 73/100), backed by strong 17.8% margins. Both earn "Strong 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.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →Cincinnati Financial Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Cincinnati Financial Corporation offers property and casualty insurance, its main business, through The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Casualty Company.
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