WallStSmart

The Allstate Corporation (ALL)vsHeritage Insurance Hldgs Inc (HRTG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 7888% more annual revenue ($67.68B vs $847.33M). HRTG leads profitability with a 23.1% profit margin vs 15.2%. HRTG trades at a lower P/E of 4.1x. ALL earns a higher WallStSmart Score of 87/100 (A).

ALL

Exceptional Buy

87

out of 100

Grade: A

Growth: 7.3Profit: 8.5Value: 10.0Quality: 6.5
Piotroski: 5/9

HRTG

Strong Buy

74

out of 100

Grade: B

Growth: 4.7Profit: 8.5Value: 8.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ALLUndervalued (+88.5%)

Margin of Safety

+88.5%

Fair Value

$1781.21

Current Price

$204.71

$1576.50 discount

UndervaluedFair: $1781.21Overvalued
HRTGUndervalued (+91.4%)

Margin of Safety

+91.4%

Fair Value

$295.78

Current Price

$26.41

$269.37 discount

UndervaluedFair: $295.78Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALL6 strengths · Avg: 9.7/10
PEG RatioValuation
0.4510/10

Growing faster than its price suggests

P/E RatioValuation
5.4x10/10

Attractively priced relative to earnings

Return on EquityProfitability
39.5%10/10

Every $100 of equity generates 40 in profit

EPS GrowthGrowth
103.2%10/10

Earnings expanding 103.2% YoY

Market CapQuality
$53.13B9/10

Large-cap with strong market position

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

HRTG5 strengths · Avg: 9.4/10
P/E RatioValuation
4.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
49.1%10/10

Every $100 of equity generates 49 in profit

Operating MarginProfitability
41.6%10/10

Strong operational efficiency at 41.6%

Profit MarginProfitability
23.1%9/10

Keeps 23 of every $100 in revenue as profit

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Areas to Watch

ALL0 concerns · Avg: 0/10

No major concerns identified

HRTG3 concerns · Avg: 3.7/10
Revenue GrowthGrowth
2.4%4/10

2.4% revenue growth

EPS GrowthGrowth
2.3%4/10

2.3% earnings growth

Market CapQuality
$792.88M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull 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 : HRTG

The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 23.1% and operating margin at 41.6%.

Bear Case : ALL

No major red flags identified for ALL, but monitor valuation.

Bear Case : HRTG

The primary concerns for HRTG are Revenue Growth, EPS Growth, Market Cap.

Key Dynamics to Monitor

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

HRTG carries more volatility with a beta of 0.93 — 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 74/100), backed by strong 15.2% margins. HRTG offers better value entry with a 91.4% margin of safety. 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.

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Heritage Insurance Hldgs Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.

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