The Allstate Corporation (ALL)vsKingstone Companies Inc (KINS)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
KINS
Kingstone Companies Inc
$14.84
+0.68%
FINANCIAL SERVICES · Cap: $213.39M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 31692% more annual revenue ($67.68B vs $212.90M). KINS leads profitability with a 19.2% profit margin vs 15.2%. 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
KINS
Strong Buy78
out of 100
Grade: B+
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
+88.1%
Fair Value
$134.78
Current Price
$14.84
$119.94 discount
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
Every $100 of equity generates 43 in profit
Strong operational efficiency at 32.8%
Revenue surging 34.0% year-over-year
Earnings expanding 149.6% YoY
Reasonable price relative to book value
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Expensive relative to growth rate
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 : KINS
The strongest argument for KINS centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 19.2% and operating margin at 32.8%. Revenue growth of 34.0% demonstrates continued momentum.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : KINS
The primary concerns for KINS are Market Cap, PEG Ratio.
Key Dynamics to Monitor
ALL profiles as a mature stock while KINS is a growth play — different risk/reward profiles.
KINS carries more volatility with a beta of 0.38 — expect wider price swings.
KINS is growing revenue faster at 34.0% — 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 78/100), backed by strong 15.2% margins. KINS offers better value entry with a 88.1% 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.
Visit Website →Kingstone Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company is headquartered in Kingston, New York.
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