WallStSmart

The Allstate Corporation (ALL)vsSkyward Specialty Insurance Group, Inc. Common Stock (SKWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Allstate Corporation generates 3946% more annual revenue ($70.14B vs $1.73B). ALL leads profitability with a 19.0% profit margin vs 10.8%. SKWD appears more attractively valued with a PEG of 0.73. ALL earns a higher WallStSmart Score of 82/100 (A-).

ALL

Exceptional Buy

82

out of 100

Grade: A-

Growth: 7.3Profit: 8.5Value: 6.3Quality: 5.5
Piotroski: 5/9Altman Z: 1.42

SKWD

Strong Buy

76

out of 100

Grade: B+

Growth: 9.3Profit: 6.0Value: 7.0Quality: 4.8
Piotroski: 3/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALL6 strengths · Avg: 9.3/10
P/E RatioValuation
5.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
39.5%10/10

Every $100 of equity generates 39 in profit

EPS GrowthGrowth
61.2%10/10

Earnings expanding 61.2% YoY

Market CapQuality
$64.15B9/10

Large-cap with strong market position

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

SKWD4 strengths · Avg: 8.5/10
Revenue GrowthGrowth
53.0%10/10

Revenue surging 53.0% year-over-year

PEG RatioValuation
0.738/10

Growing faster than its price suggests

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

ALL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.874/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.422/10

Distress zone — elevated risk

SKWD2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : SKWD

The strongest argument for SKWD centers on Revenue Growth, PEG Ratio, P/E Ratio. Revenue growth of 53.0% demonstrates continued momentum. PEG of 0.73 suggests the stock is reasonably priced for its growth.

Bear Case : ALL

The primary concerns for ALL are PEG Ratio, Altman Z-Score.

Bear Case : SKWD

The primary concerns for SKWD are Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

ALL profiles as a mature stock while SKWD is a growth play — different risk/reward profiles.

SKWD carries more volatility with a beta of 0.32 — expect wider price swings.

SKWD is growing revenue faster at 53.0% — 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 76/100), 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.

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Skyward Specialty Insurance Group, Inc. Common Stock

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Skyward Specialty Insurance Group, Inc., an insurance holding company, engages in underwriting commercial property and casualty insurance coverages in the United States. The company is headquartered in Houston, Texas.

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