Stocks analysis

A vs ALL Stock Comparison

Scores Breakdown

Metric A ALL
📈 Growth 18/30 22/30
💰 Profitability 16/20 14/20
🏦 Financial Health 7/20 18/20
💵 Valuation 9/20 10/20
⚠️ Risk (lower is better) 7/10 6/10
Overall Score 53/100 68/100

Side-by-Side Summaries

A Analysis ALL Analysis

📈 Growth & Financial Trajectory

Over eight quarters, Revenues rose from about $1.66B to $1.84B, a positive trend, with a mid-2025 dip. Net income fluctuated from $308M–$434M, ending near $339M in 2026 Q2. The sequence shows top-line resilience but earnings volatility, implying improving mix or cost management but not a steady uplift in profitability.

💰 Margins & Cash Flow

  • Gross Margin is generally in the mid-50s percentile, peaking around 63% in 2024 Q2 and typical ~50–55% in other quarters.
  • Operating Margin has run in the high-teens to low-20s percent range on Revenues of ~$1.6–$1.8B.
  • Operating cash flow remains positive across quarters (roughly $0.27–$0.55B), while investing cash flow is negative (capital outlays), and financing cash flow is often negative, reflecting debt/return actions.

🛡️ Balance Sheet & Liquidity

Total Assets ($11–$13B) exceed Liabilities ($4.8–$6B) with Equity frequently negative, signaling balance-sheet rehabilitation needs. Current assets vs current liabilities suggests solid liquidity (working capital positive); long-term debt remains a meaningful load but generally manageable within cash flows.

⚠️ Key Drivers & Risks

  • Drivers: Life sciences capex & instrument upgrades; continued demand for laboratory testing and automation.
  • Risks: Earnings volatility from cyclic lab-spend; structural negative equity raises valuation sensitivity and balance-sheet risk.

📈 Growth & Financial Trajectory

Across 8 quarters, Allstate’s revenue rose from about $15.714B (2024-Q2) to about $16.941B (2026-Q1), up roughly 7.8%. Net income climbed from about $0.347B to $2.458B, a multi‑fold increase, with a notable surge in late‑2025 before a softer start in 2026.

The trend is positive overall but shows quarterly volatility (e.g., 2025‑Q1 dip followed by stronger 2025‑Q3/Q4). End‑period profitability remains sensitive to cost structure and mix, yet margins improved from multi‑quarter lows to mid‑teens late in 2025 and into 2026.

💰 Margins & Cash Flow

  • Operating margin ranged from about 2.7% (2024‑Q2) to about 28.4% (2025‑Q4), with several quarters in the mid‑teens, indicating substantial margin volatility but a capability to leverage scale when costs align with revenues.
  • Net cash flow from operating activities remained positive in all quarters, averaging around $3.0B per quarter; notably, 2026‑Q1 shows operating cash flow near $3.56B.
  • Investing cash flow was often negative, reflecting capital allocation and reserve considerations, while financing activity flow fluctuated, contributing to variances in overall cash balance.

🛡️ Balance Sheet & Liquidity

  • Current assets consistently exceed current liabilities, yielding a healthy current ratio around 1.3x (roughly 1.29–1.34 over periods).
  • Long‑term debt sits near $8.08B with total liabilities largely dominated by insurance reserves and operating liabilities, while equity (≈$21–31B across periods) provides a meaningful buffer; periods show equity around $24–31B and liabilities near $92–93B.

⚠️ Key Drivers & Risks

  • Drivers: prudent pricing and reserving practices within P&C insurance; managing catastrophe exposure and capital allocation.
  • Risks: quarterly earnings are sensitive to claim volatility and reserve adequacy; macro factors and regulatory changes can impact pricing and claims experience, affecting valuation sensitivity and downside scenarios.

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