The Allstate Corporation (ALL)vsHorace Mann Educators Corporation (HMN)
ALL
The Allstate Corporation
$266.69
+1.72%
FINANCIAL SERVICES · Cap: $65.71B
HMN
Horace Mann Educators Corporation
$52.78
-1.11%
FINANCIAL SERVICES · Cap: $2.16B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 3915% more annual revenue ($70.14B vs $1.75B). ALL leads profitability with a 19.0% profit margin vs 10.2%. HMN appears more attractively valued with a PEG of 1.16. ALL earns a higher WallStSmart Score of 82/100 (A-).
ALL
Exceptional Buy82
out of 100
Grade: A-
HMN
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 36 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
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
0.2% revenue growth
0.7% earnings growth
Weak financial health signals
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 : HMN
The strongest argument for HMN centers on P/E Ratio, Price/Book. PEG of 1.16 suggests the stock is reasonably priced for its growth.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Altman Z-Score.
Bear Case : HMN
The primary concerns for HMN are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
ALL profiles as a mature stock while HMN is a value play — different risk/reward profiles.
ALL carries more volatility with a beta of 0.14 — expect wider price swings.
ALL is growing revenue faster at 11.8% — sustainability is the question.
ALL generates stronger free cash flow (3.7B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (82/100 vs 60/100), 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.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →Horace Mann Educators Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Horace Mann Educators Corporation, is a multi-line insurance company in the United States. The company is headquartered in Springfield, Illinois.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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