The Allstate Corporation (ALL)vsW. R. Berkley Corp (WRB)
ALL
The Allstate Corporation
$262.68
-0.53%
FINANCIAL SERVICES · Cap: $64.80B
WRB
W. R. Berkley Corp
$72.09
-0.62%
FINANCIAL SERVICES · Cap: $26.92B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 358% more annual revenue ($68.17B vs $14.90B). ALL leads profitability with a 17.8% profit margin vs 12.9%. ALL appears more attractively valued with a PEG of 3.02. ALL earns a higher WallStSmart Score of 72/100 (B).
ALL
Strong Buy72
out of 100
Grade: B
WRB
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Earnings expanding 338.4% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
1.2% revenue growth
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 17.8% and operating margin at 19.0%.
Bull Case : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : ALL
The primary concerns for ALL are Revenue Growth, PEG Ratio, Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
WRB carries more volatility with a beta of 0.29 — expect wider price swings.
ALL is growing revenue faster at 3.0% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ALL scores higher overall (72/100 vs 63/100), backed by strong 17.8% margins. Both earn "Strong Buy" and "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 →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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