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ACGL vs. ALL: Arch Capital vs. Allstate Stock Comparison

How do Arch Capital (ACGL) and Allstate (ALL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Arch Capital (ACGL) and Allstate (ALL) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Company profile comparison for Arch Capital (ACGL) and Allstate (ALL)
Profile ItemACGLALL
NameArch Capital Group Ltd.The Allstate Corporation
Country/RegionBermudaUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceProperty & Casualty Insurance
Market Capitalization34.92 billion USD63.05 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateSeptember 14, 1995June 3, 1993
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

ACGL
ALL
GSPC
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Arch Capital (ACGL) vs. Allstate (ALL), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Arch Capital (ACGL) and Allstate (ALL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Arch Capital (ACGL) and Allstate (ALL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Arch Capital (ACGL) and Allstate (ALL)
MetricACGLALL
Total Return (1Y)19.55%27.36%
Total Return (3Y, Annualized)9.97%27.71%
Total Return (5Y, Annualized)21.79%19.82%

Risk Profile

Drawdown History

ACGL
ALL
GSPC
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Arch Capital (ACGL) vs. Allstate (ALL), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Arch Capital (ACGL) and Allstate (ALL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Arch Capital (ACGL) and Allstate (ALL)
MetricACGLALL
Volatility (1Y, Annualized)21.17%25.96%
Beta (5Y)0.220.13
Max Drawdown (5Y)-22.43%-27.35%
Avg. Volume (3M)2.86M1.91M

Risk-Adjusted Performance

Risk-Return Positioning

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ACGL and ALL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Arch Capital (ACGL) and Allstate (ALL)
MetricACGLALL
Sharpe Ratio (1Y)0.720.89
Sortino Ratio (1Y)1.031.28

Profitability

ROE (TTM)

Allstate (ALL) at 38.93% sits in the top ROE quartile, while Arch Capital (ACGL) at 18.74% is closer to the peer norm — stronger capital efficiency for ALL.

ACGL

Insurance industry group

18.74%

Max
41.68%
Q3
22.04%
ACGL
18.74%
Median
14.81%
Q1
8.79%
Min
-10.66%

ALL

Insurance industry group

38.93%

Max
41.68%
ALL
38.93%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Arch Capital (ACGL) at 23.31% retains a top-quartile share of revenue as profit, ahead of Allstate (ALL) at 16.57%, which keeps about the industry-typical share.

ACGL

Insurance industry group

23.31%

Max
29.92%
ACGL
23.31%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%

ALL

Insurance industry group

16.57%

Max
29.92%
Q3
17.03%
ALL
16.57%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Arch Capital (ACGL) in Insurance and Allstate (ALL) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Arch Capital (ACGL) and Allstate (ALL)
MetricACGLALL
ROE (TTM)18.74%38.93%
ROA (TTM)3.90%7.68%
Net Margin (TTM)23.31%16.57%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Both Arch Capital (ACGL) at 13.96% and Allstate (ALL) at 5.60% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Allstate (ALL) at 124.01% sits in the top EPS growth quartile, while Arch Capital (ACGL) at 3.66% is closer to the peer norm — faster per-share earnings growth for ALL.

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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Arch Capital (ACGL) and Allstate (ALL)
MetricACGLALL
Revenue Growth (YoY)13.96%5.60%
Revenue Growth (3Y CAGR)26.14%9.84%
EPS Growth (YoY)3.66%124.01%
EPS Growth (3Y CAGR)45.06%--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Arch Capital (ACGL) in Insurance and Allstate (ALL) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Arch Capital (ACGL) in Insurance and Allstate (ALL) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Arch Capital (ACGL) and Allstate (ALL)
MetricACGLALL
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Arch Capital (ACGL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Allstate (ALL) reports a yield of 1.59%, ranking against industry peers normally.

ACGL

Insurance industry group

0.00%

Max
5.12%
Q3
2.15%
Median
0.98%
ACGL
0.00%
Q1
0.00%
Min
0.00%

ALL

Insurance industry group

1.59%

Max
5.12%
Q3
2.15%
ALL
1.59%
Median
0.98%
Q1
0.00%
Min
0.00%
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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Arch Capital (ACGL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Allstate (ALL) reports a payout of 9.62%, ranking against industry peers normally.

ACGL

Insurance industry group

0.00%

Max
76.67%
Q3
35.18%
Median
14.74%
ACGL
0.00%
Q1
0.00%
Min
0.00%

ALL

Insurance industry group

9.62%

Max
76.67%
Q3
35.18%
Median
14.74%
ALL
9.62%
Q1
0.00%
Min
0.00%
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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Arch Capital (ACGL) and Allstate (ALL)
MetricACGLALL
Dividend Yield (TTM)0.00%1.59%
Dividend Payout Ratio (TTM)0.00%9.62%

Valuation

P/E Ratio (TTM)

Both Arch Capital (ACGL) at 8.77 and Allstate (ALL) at 5.78 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.

ACGL

Insurance industry group

8.77

Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
ACGL
8.77
Min
2.32

ALL

Insurance industry group

5.78

Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
ALL
5.78
Min
2.32
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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Arch Capital (ACGL) at 1.86 and Allstate (ALL) at 0.90 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

ACGL

Insurance industry group

1.86

Max
4.03
Q3
2.25
ACGL
1.86
Median
1.23
Q1
0.85
Min
0.07

ALL

Insurance industry group

0.90

Max
4.03
Q3
2.25
Median
1.23
ALL
0.90
Q1
0.85
Min
0.07
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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Arch Capital (ACGL) at 1.57 and Allstate (ALL) at 2.09 are valued close to their industries’ norm against book — neither stands out from peers.

ACGL

Insurance industry group

1.57

Max
5.07
Q3
2.79
Median
1.76
ACGL
1.57
Q1
1.23
Min
0.30

ALL

Insurance industry group

2.09

Max
5.07
Q3
2.79
ALL
2.09
Median
1.76
Q1
1.23
Min
0.30
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Arch Capital (ACGL) vs. Allstate (ALL): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Arch Capital (ACGL) and Allstate (ALL)
MetricACGLALL
P/E Ratio (TTM)8.775.78
P/S Ratio (TTM)1.860.90
P/B Ratio (MRQ)1.572.09
Free Cash Flow Yield (TTM)----