The Allstate Corporation (ALL)vsPayPal Holdings Inc (PYPL)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 104% more annual revenue ($67.68B vs $33.17B). PYPL leads profitability with a 15.8% 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
PYPL
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
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 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 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
No major concerns identified
3.7% revenue growth
Distress zone — elevated risk
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 : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
ALL profiles as a mature stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.46 — 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 78/100), backed by strong 15.2% margins. PYPL offers better value entry with a 82.3% 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 →PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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