ALL vs. BRO: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ALL and BRO, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
ALL’s market capitalization stands at 52.43 billion USD, while BRO’s is 35.42 billion USD, indicating their market valuations are broadly comparable.
BRO carries a higher beta at 0.84, indicating it’s more sensitive to market moves, while ALL (beta: 0.34) exhibits greater stability.
| Symbol | ALL | BRO |
|---|---|---|
| Company Name | The Allstate Corporation | Brown & Brown, Inc. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Brokers |
| CEO | Thomas Joseph Wilson II | J. Powell Brown C.P.C.U. |
| Price | 198 USD | 108.7 USD |
| Market Cap | 52.43 billion USD | 35.42 billion USD |
| Beta | 0.34 | 0.84 |
| Exchange | NYSE | NYSE |
| IPO Date | June 3, 1993 | February 11, 1981 |
| ADR | No | No |
Historical Performance
This chart compares the performance of ALL and BRO by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
ALL
19.50%
Insurance - Property & Casualty Industry
- Max
- 28.14%
- Q3
- 17.51%
- Median
- 12.75%
- Q1
- 8.26%
- Min
- 0.61%
In the upper quartile for the Insurance - Property & Casualty industry, ALL’s Return on Equity of 19.50% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
BRO
16.03%
Insurance - Brokers Industry
- Max
- 40.40%
- Q3
- 30.52%
- Median
- 22.48%
- Q1
- 4.38%
- Min
- -5.38%
BRO’s Return on Equity of 16.03% is on par with the norm for the Insurance - Brokers industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
ALL
3.75%
Insurance - Property & Casualty Industry
- Max
- 21.89%
- Q3
- 10.09%
- Median
- 3.90%
- Q1
- 0.89%
- Min
- -7.26%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Property & Casualty industry.
BRO
8.92%
Insurance - Brokers Industry
- Max
- 11.62%
- Q3
- 11.18%
- Median
- 8.38%
- Q1
- 2.57%
- Min
- -1.51%
BRO’s Return on Invested Capital of 8.92% is in line with the norm for the Insurance - Brokers industry, reflecting a standard level of efficiency in generating profits from its capital base.
Net Profit Margin
ALL
6.19%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
ALL’s Net Profit Margin of 6.19% is aligned with the median group of its peers in the Insurance - Property & Casualty industry. This indicates its ability to convert revenue into profit is typical for the sector.
BRO
21.33%
Insurance - Brokers Industry
- Max
- 21.33%
- Q3
- 15.86%
- Median
- 10.63%
- Q1
- 1.06%
- Min
- -2.28%
A Net Profit Margin of 21.33% places BRO in the upper quartile for the Insurance - Brokers industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin
ALL
8.30%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
ALL’s Operating Profit Margin of 8.30% is around the midpoint for the Insurance - Property & Casualty industry, indicating that its efficiency in managing core business operations is typical for the sector.
BRO
28.73%
Insurance - Brokers Industry
- Max
- 28.73%
- Q3
- 23.24%
- Median
- 21.46%
- Q1
- 10.89%
- Min
- 5.35%
An Operating Profit Margin of 28.73% places BRO in the upper quartile for the Insurance - Brokers industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | ALL | BRO |
|---|---|---|
| Return on Equity (TTM) | 19.50% | 16.03% |
| Return on Assets (TTM) | 3.51% | 6.16% |
| Return on Invested Capital (TTM) | 3.75% | 8.92% |
| Net Profit Margin (TTM) | 6.19% | 21.33% |
| Operating Profit Margin (TTM) | 8.30% | 28.73% |
| Gross Profit Margin (TTM) | 22.67% | 45.78% |
Financial Strength
Current Ratio
ALL
--
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
Current Ratio data for ALL is currently unavailable.
BRO
1.20
Insurance - Brokers Industry
- Max
- 1.90
- Q3
- 1.76
- Median
- 1.29
- Q1
- 1.14
- Min
- 1.05
BRO’s Current Ratio of 1.20 aligns with the median group of the Insurance - Brokers industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio
ALL
0.37
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
ALL’s leverage is in the upper quartile of the Insurance - Property & Casualty industry, with a Debt-to-Equity Ratio of 0.37. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
BRO
0.59
Insurance - Brokers Industry
- Max
- 4.59
- Q3
- 2.12
- Median
- 0.59
- Q1
- 0.07
- Min
- 0.01
BRO’s Debt-to-Equity Ratio of 0.59 is typical for the Insurance - Brokers industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio
ALL
13.45
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
ALL’s Interest Coverage Ratio of 13.45 is positioned comfortably within the norm for the Insurance - Property & Casualty industry, indicating a standard and healthy capacity to cover its interest payments.
BRO
6.81
Insurance - Brokers Industry
- Max
- 29.40
- Q3
- 16.65
- Median
- 7.25
- Q1
- 4.20
- Min
- 1.60
BRO’s Interest Coverage Ratio of 6.81 is positioned comfortably within the norm for the Insurance - Brokers industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | ALL | BRO |
|---|---|---|
| Current Ratio (TTM) | -- | 1.20 |
| Quick Ratio (TTM) | -- | 1.20 |
| Debt-to-Equity Ratio (TTM) | 0.37 | 0.59 |
| Debt-to-Asset Ratio (TTM) | 0.07 | 0.24 |
| Net Debt-to-EBITDA Ratio (TTM) | 1.21 | 1.89 |
| Interest Coverage Ratio (TTM) | 13.45 | 6.81 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ALL and BRO. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
ALL
1.94%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
ALL’s Dividend Yield of 1.94% is consistent with its peers in the Insurance - Property & Casualty industry, providing a dividend return that is standard for its sector.
BRO
0.53%
Insurance - Brokers Industry
- Max
- 2.63%
- Q3
- 1.34%
- Median
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
BRO’s Dividend Yield of 0.53% is consistent with its peers in the Insurance - Brokers industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio
ALL
26.95%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
ALL’s Dividend Payout Ratio of 26.95% is within the typical range for the Insurance - Property & Casualty industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
BRO
15.41%
Insurance - Brokers Industry
- Max
- 45.22%
- Q3
- 39.19%
- Median
- 29.49%
- Q1
- 3.85%
- Min
- 0.00%
BRO’s Dividend Payout Ratio of 15.41% is within the typical range for the Insurance - Brokers industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | ALL | BRO |
|---|---|---|
| Dividend Yield (TTM) | 1.94% | 0.53% |
| Dividend Payout Ratio (TTM) | 26.95% | 15.41% |
Valuation
Price-to-Earnings Ratio
ALL
12.94
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
ALL’s P/E Ratio of 12.94 is within the middle range for the Insurance - Property & Casualty industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
BRO
29.81
Insurance - Brokers Industry
- Max
- 45.50
- Q3
- 35.20
- Median
- 30.00
- Q1
- 28.34
- Min
- 26.42
BRO’s P/E Ratio of 29.81 is within the middle range for the Insurance - Brokers industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Forward P/E to Growth Ratio
ALL
0.97
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
ALL’s Forward PEG Ratio of 0.97 is within the middle range of its peers in the Insurance - Property & Casualty industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
BRO
2.65
Insurance - Brokers Industry
- Max
- 3.32
- Q3
- 3.00
- Median
- 2.77
- Q1
- 2.41
- Min
- 2.09
BRO’s Forward PEG Ratio of 2.65 is within the middle range of its peers in the Insurance - Brokers industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
ALL
0.80
Insurance - Property & Casualty Industry
- Max
- 3.76
- Q3
- 2.39
- Median
- 1.80
- Q1
- 1.01
- Min
- 0.50
The P/S Ratio is often not a primary valuation tool in the Insurance - Property & Casualty industry.
BRO
7.32
Insurance - Brokers Industry
- Max
- 7.38
- Q3
- 5.34
- Median
- 4.27
- Q1
- 2.32
- Min
- 0.27
BRO’s P/S Ratio of 7.32 is in the upper echelon for the Insurance - Brokers industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio
ALL
2.37
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
ALL’s P/B Ratio of 2.37 is within the conventional range for the Insurance - Property & Casualty industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
BRO
4.51
Insurance - Brokers Industry
- Max
- 10.90
- Q3
- 8.10
- Median
- 6.93
- Q1
- 4.15
- Min
- 1.12
BRO’s P/B Ratio of 4.51 is within the conventional range for the Insurance - Brokers industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | ALL | BRO |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 12.94 | 29.81 |
| Forward PEG Ratio (TTM) | 0.97 | 2.65 |
| Price-to-Sales Ratio (P/S, TTM) | 0.80 | 7.32 |
| Price-to-Book Ratio (P/B, TTM) | 2.37 | 4.51 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 5.85 | 27.50 |
| EV-to-EBITDA (TTM) | 9.99 | 22.02 |
| EV-to-Sales (TTM) | 0.91 | 8.01 |