AEP vs ALL Stock Comparison

Scores Breakdown

Metric	AEP	ALL
📈 Growth	22/30	22/30
💰 Profitability	16/20	14/20
🏦 Financial Health	12/20	18/20
💵 Valuation	14/20	10/20
⚠️ Risk (lower is better)	7/10	6/10
Overall Score	67/100	68/100

Side-by-Side Summaries

AEP Analysis	ALL Analysis
📈 Growth & Financial Trajectory The eight quarters show revenue rising from $5.420B in 2024 Q3 to $6.020B in 2026 Q1, about a net increase of ~11%. Net income fluctuated: from $0.962B at the start to $0.903B at the end, with a peak near $1.288B in 2025 Q2. This signals a healthier top line with episodic earnings swings, ending with higher revenue but a slightly lower cumulative net income than the start. 💰 Margins & Cash Flow Net income margins averaged in the mid-teens, with notable strength around 25% in 2025 Q2. Operating cash flow tended to be positive across quarters, while investing cash flow was typically negative, reflecting ongoing capex. Cash flow from operations generally ranged in the low-to-mid billions, with an indicative average near $1.8B and occasional peaks near $2.5B. 🛡️ Balance Sheet & Liquidity Assets sit in the $110B–$118B range, with liabilities around $76B–$85B and equity roughly $27B–$33B; end-quarter figures show long-term debt near $42B–$50B. The regulated utility profile supports resilience, though leverage remains notable for the sector. ⚠️ Key Drivers & Risks Drivers: regulated rate recovery and ongoing grid modernization investments. Risks: interest-rate sensitivity and regulatory/legislative shifts; earnings volatility driven by weather and macro cycles may affect valuation.	📈 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.

AEP Analysis

ALL Analysis

📈 Growth & Financial Trajectory

The eight quarters show revenue rising from $5.420B in 2024 Q3 to $6.020B in 2026 Q1, about a net increase of ~11%. Net income fluctuated: from $0.962B at the start to $0.903B at the end, with a peak near $1.288B in 2025 Q2. This signals a healthier top line with episodic earnings swings, ending with higher revenue but a slightly lower cumulative net income than the start.

💰 Margins & Cash Flow

Net income margins averaged in the mid-teens, with notable strength around 25% in 2025 Q2. Operating cash flow tended to be positive across quarters, while investing cash flow was typically negative, reflecting ongoing capex. Cash flow from operations generally ranged in the low-to-mid billions, with an indicative average near $1.8B and occasional peaks near $2.5B.

🛡️ Balance Sheet & Liquidity

Assets sit in the $110B–$118B range, with liabilities around $76B–$85B and equity roughly $27B–$33B; end-quarter figures show long-term debt near $42B–$50B. The regulated utility profile supports resilience, though leverage remains notable for the sector.

⚠️ Key Drivers & Risks

Drivers: regulated rate recovery and ongoing grid modernization investments.
Risks: interest-rate sensitivity and regulatory/legislative shifts; earnings volatility driven by weather and macro cycles may affect valuation.

📈 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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D Score: 72 DUK Score: 82 ED Score: 65 NEE Score: 67 WEC Score: 82

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