The Allstate Corporation (ALL)vsDonegal Group B Inc (DGICB)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
DGICB
Donegal Group B Inc
$16.95
-6.77%
FINANCIAL SERVICES · Cap: $694.46M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 6821% more annual revenue ($67.68B vs $978.01M). ALL leads profitability with a 15.2% profit margin vs 8.1%. 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
DGICB
Buy51
out of 100
Grade: C-
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
-8.6%
Fair Value
$14.82
Current Price
$16.95
$2.13 premium
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
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Smaller company, higher risk/reward
Revenue declined 3.9%
Earnings declined 33.3%
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 : DGICB
The strongest argument for DGICB centers on P/E Ratio, Price/Book.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : DGICB
The primary concerns for DGICB are PEG Ratio, Market Cap, Revenue Growth.
Key Dynamics to Monitor
ALL profiles as a mature stock while DGICB is a value play — different risk/reward profiles.
ALL carries more volatility with a beta of 0.21 — 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 51/100), backed by strong 15.2% margins. 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.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →Donegal Group B Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Donegal Group Inc., an insurance company, offers personal and commercial property and casualty lines of insurance to businesses and individuals in the Mid-Atlantic, Midwest, New England and southern states. The company is headquartered in Marietta, Pennsylvania.
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