The Allstate Corporation (ALL)vsHeritage Insurance Hldgs Inc (HRTG)
ALL
The Allstate Corporation
$253.71
+0.76%
FINANCIAL SERVICES · Cap: $64.15B
HRTG
Heritage Insurance Hldgs Inc
$34.58
+0.14%
FINANCIAL SERVICES · Cap: $1.02B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 8107% more annual revenue ($70.14B vs $854.63M). HRTG leads profitability with a 25.2% profit margin vs 19.0%. HRTG trades at a lower P/E of 4.8x. ALL earns a higher WallStSmart Score of 82/100 (A-).
ALL
Exceptional Buy82
out of 100
Grade: A-
HRTG
Strong Buy72
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 38 in profit
Strong operational efficiency at 39.2%
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
3.0% revenue growth
Smaller company, higher risk/reward
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 19.0% and operating margin at 22.8%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 25.2% and operating margin at 39.2%.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Altman Z-Score.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap, Altman Z-Score.
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 0.91 — 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.
Bottom Line
ALL scores higher overall (82/100 vs 72/100), 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 →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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