The Allstate Corporation (ALL)vsUnited Fire Group Inc (UFCS)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
UFCS
United Fire Group Inc
$36.85
-1.10%
FINANCIAL SERVICES · Cap: $950.95M
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 4782% more annual revenue ($67.68B vs $1.39B). ALL leads profitability with a 15.2% profit margin vs 8.5%. 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
UFCS
Strong Buy68
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
+77.2%
Fair Value
$173.82
Current Price
$36.85
$136.97 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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Earnings expanding 20.0% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
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 : UFCS
The strongest argument for UFCS centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : UFCS
The primary concerns for UFCS are Market Cap.
Key Dynamics to Monitor
ALL profiles as a mature stock while UFCS is a value play — different risk/reward profiles.
UFCS carries more volatility with a beta of 0.39 — expect wider price swings.
UFCS is growing revenue faster at 9.8% — 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 68/100), backed by strong 15.2% margins. UFCS offers better value entry with a 77.2% 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 →United Fire Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
United Fire Group, Inc., offers property and casualty insurance for individuals and businesses in the United States. The company is headquartered in Cedar Rapids, Iowa.
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