The Allstate Corporation (ALL)vsHCI Group Inc (HCI)
ALL
The Allstate Corporation
$227.60
+0.19%
FINANCIAL SERVICES · Cap: $57.44B
HCI
HCI Group Inc
$174.94
-1.10%
FINANCIAL SERVICES · Cap: $2.24B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 7266% more annual revenue ($70.14B vs $952.13M). HCI leads profitability with a 32.6% profit margin vs 19.0%. HCI appears more attractively valued with a PEG of 0.97. ALL earns a higher WallStSmart Score of 85/100 (A-).
ALL
Exceptional Buy85
out of 100
Grade: A-
HCI
Strong Buy78
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 39 in profit
Earnings expanding 61.2% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 45.4%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Grey zone — moderate 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 19.0% and operating margin at 22.8%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 45.4%. Revenue growth of 11.1% demonstrates continued momentum.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Altman Z-Score.
Bear Case : HCI
The primary concerns for HCI are Altman Z-Score.
Key Dynamics to Monitor
HCI carries more volatility with a beta of 1.02 — 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.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ALL scores higher overall (85/100 vs 78/100), 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.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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