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AFG vs. ALL: American Financial vs. Allstate Stock Comparison

How do American Financial (AFG) 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

American Financial (AFG) 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 American Financial (AFG) and Allstate (ALL)
Profile ItemAFGALL
NameAmerican Financial Group IncThe Allstate Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceProperty & Casualty Insurance
Market Capitalization12.79 billion USD63.05 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980June 3, 1993
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFG
ALL
GSPC
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American Financial (AFG) 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 American Financial (AFG) and Allstate (ALL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for American Financial (AFG) and Allstate (ALL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for American Financial (AFG) and Allstate (ALL)
MetricAFGALL
Total Return (1Y)15.92%27.36%
Total Return (3Y, Annualized)20.24%27.71%
Total Return (5Y, Annualized)9.64%19.82%

Risk Profile

Drawdown History

AFG
ALL
GSPC
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American Financial (AFG) 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 American Financial (AFG) and Allstate (ALL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for American Financial (AFG) and Allstate (ALL)
MetricAFGALL
Volatility (1Y, Annualized)17.44%25.96%
Beta (5Y)0.550.13
Max Drawdown (5Y)-23.85%-27.35%
Avg. Volume (3M)386.95K1.91M

Risk-Adjusted Performance

Risk-Return Positioning

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AFG 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 American Financial (AFG) and Allstate (ALL)
MetricAFGALL
Sharpe Ratio (1Y)0.670.89
Sortino Ratio (1Y)1.021.28

Profitability

ROE (TTM)

Allstate (ALL) at 38.93% sits in the top ROE quartile, while American Financial (AFG) at 21.57% is closer to the peer norm — stronger capital efficiency for ALL.

AFG

Insurance industry group

21.57%

Max
41.68%
Q3
22.04%
AFG
21.57%
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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American Financial (AFG) vs. Allstate (ALL): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Both American Financial (AFG) at 12.28% and Allstate (ALL) at 16.57% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

AFG

Insurance industry group

12.28%

Max
29.92%
Q3
17.03%
AFG
12.28%
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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American Financial (AFG) 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 American Financial (AFG) 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 American Financial (AFG) and Allstate (ALL)
MetricAFGALL
ROE (TTM)21.57%38.93%
ROA (TTM)2.55%7.68%
Net Margin (TTM)12.28%16.57%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Allstate (ALL) at 5.60% is around its peer norm for revenue growth, while American Financial (AFG) at -1.93% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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American Financial (AFG) 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 American Financial (AFG) at -4.57% is closer to the peer norm — faster per-share earnings growth for ALL.

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American Financial (AFG) vs. Allstate (ALL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for American Financial (AFG) and Allstate (ALL)
MetricAFGALL
Revenue Growth (YoY)-1.93%5.60%
Revenue Growth (3Y CAGR)6.22%9.84%
EPS Growth (YoY)-4.57%124.01%
EPS Growth (3Y CAGR)-1.45%--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: American Financial (AFG) 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: American Financial (AFG) 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 American Financial (AFG) and Allstate (ALL)
MetricAFGALL
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

American Financial (AFG) at 2.31% delivers top-quartile income for its industry, while Allstate (ALL) at 1.59% pays a more typical yield — both are credible income propositions, AFG the richer one.

AFG

Insurance industry group

2.31%

Max
5.12%
AFG
2.31%
Q3
2.15%
Median
0.98%
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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American Financial (AFG) vs. Allstate (ALL): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both American Financial (AFG) at 28.71% and Allstate (ALL) at 9.62% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

AFG

Insurance industry group

28.71%

Max
76.67%
Q3
35.18%
AFG
28.71%
Median
14.74%
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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American Financial (AFG) vs. Allstate (ALL): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for American Financial (AFG) and Allstate (ALL)
MetricAFGALL
Dividend Yield (TTM)2.31%1.59%
Dividend Payout Ratio (TTM)28.71%9.62%

Valuation

P/E Ratio (TTM)

Allstate (ALL) at 5.78 sits in the cheaper P/E ratio quartile, while American Financial (AFG) at 12.61 is closer to its industry’s usual earnings multiple — a discount for ALL, though growth and earnings durability still matter.

AFG

Insurance industry group

12.61

Max
28.37
Q3
18.75
AFG
12.61
Median
12.23
Q1
9.08
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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American Financial (AFG) 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 American Financial (AFG) at 1.54 and Allstate (ALL) at 0.90 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

AFG

Insurance industry group

1.54

Max
4.03
Q3
2.25
AFG
1.54
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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American Financial (AFG) 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 American Financial (AFG) at 2.71 and Allstate (ALL) at 2.09 are valued close to their industries’ norm against book — neither stands out from peers.

AFG

Insurance industry group

2.71

Max
5.07
Q3
2.79
AFG
2.71
Median
1.76
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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American Financial (AFG) vs. Allstate (ALL): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for American Financial (AFG) and Allstate (ALL)
MetricAFGALL
P/E Ratio (TTM)12.615.78
P/S Ratio (TTM)1.540.90
P/B Ratio (MRQ)2.712.09
Free Cash Flow Yield (TTM)----