The Allstate Corporation (ALL)vsRLI Corp (RLI)
ALL
The Allstate Corporation
$242.86
-2.79%
FINANCIAL SERVICES · Cap: $64.15B
RLI
RLI Corp
$58.13
-1.59%
FINANCIAL SERVICES · Cap: $5.42B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 3452% more annual revenue ($70.14B vs $1.97B). RLI leads profitability with a 22.2% profit margin vs 19.0%. RLI appears more attractively valued with a PEG of 1.73. ALL earns a higher WallStSmart Score of 82/100 (A-).
ALL
Exceptional Buy82
out of 100
Grade: A-
RLI
Strong Buy77
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
Strong operational efficiency at 36.9%
Every $100 of equity generates 22 in profit
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
15.2% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
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 : RLI
The strongest argument for RLI centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 22.2% and operating margin at 36.9%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : ALL
The primary concerns for ALL are PEG Ratio, Altman Z-Score.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ALL profiles as a mature stock while RLI is a growth play — different risk/reward profiles.
RLI carries more volatility with a beta of 0.33 — expect wider price swings.
RLI is growing revenue faster at 15.2% — 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 77/100), 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 →RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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