The Allstate Corporation (ALL)vsNI Holdings Inc (NODK)
ALL
The Allstate Corporation
$253.71
+0.76%
FINANCIAL SERVICES · Cap: $64.15B
NODK
NI Holdings Inc
$15.05
-0.13%
FINANCIAL SERVICES · Cap: $312.80M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 26130% more annual revenue ($70.14B vs $267.39M). ALL leads profitability with a 19.0% profit margin vs 2.9%. ALL trades at a lower P/E of 5.1x. ALL earns a higher WallStSmart Score of 82/100 (A-).
ALL
Exceptional Buy82
out of 100
Grade: A-
NODK
Hold41
out of 100
Grade: D
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
Reasonable price relative to book value
Earnings expanding 94.9% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Distress zone — elevated risk
Smaller company, higher risk/reward
2.9% margin — thin
Operating margin of 0.3%
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 : NODK
The strongest argument for NODK centers on Price/Book, EPS Growth.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Altman Z-Score.
Bear Case : NODK
The primary concerns for NODK are Altman Z-Score, Market Cap, Profit Margin. A P/E of 41.4x leaves little room for execution misses. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
ALL profiles as a mature stock while NODK is a value play — different risk/reward profiles.
NODK carries more volatility with a beta of 0.35 — 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 41/100), backed by strong 19.0% margins and 11.8% revenue growth. Both earn "Exceptional Buy" and "Hold" 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 →NI Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company is headquartered in Fargo, North Dakota.
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