ALL vs. CRCL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ALL and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
ALL’s market capitalization of 52.43 billion USD is substantially larger than CRCL’s 34.37 billion USD, indicating a significant difference in their market valuations.
| Symbol | ALL | CRCL |
|---|---|---|
| Company Name | The Allstate Corporation | Circle Internet Group |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Financial - Capital Markets |
| CEO | Thomas Joseph Wilson II | Jeremy D. Allaire |
| Price | 198 USD | 188.77 USD |
| Market Cap | 52.43 billion USD | 34.37 billion USD |
| Beta | 0.34 | -- |
| Exchange | NYSE | NYSE |
| IPO Date | June 3, 1993 | June 4, 2025 |
| ADR | No | No |
Historical Performance
This chart compares the performance of ALL and CRCL 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.
CRCL
15.23%
Financial - Capital Markets Industry
- Max
- 42.02%
- Q3
- 20.69%
- Median
- 13.73%
- Q1
- 3.33%
- Min
- -21.32%
CRCL’s Return on Equity of 15.23% is on par with the norm for the Financial - Capital Markets 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.
CRCL
5.13%
Financial - Capital Markets Industry
- Max
- 30.24%
- Q3
- 13.34%
- Median
- 6.20%
- Q1
- -1.71%
- Min
- -16.91%
Return on Invested Capital is often not a primary measure of capital efficiency in the Financial - Capital Markets industry.
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.
CRCL
12.02%
Financial - Capital Markets Industry
- Max
- 28.67%
- Q3
- 13.52%
- Median
- 10.47%
- Q1
- 0.24%
- Min
- -9.55%
CRCL’s Net Profit Margin of 12.02% is aligned with the median group of its peers in the Financial - Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.
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.
CRCL
15.39%
Financial - Capital Markets Industry
- Max
- 56.86%
- Q3
- 25.29%
- Median
- 15.90%
- Q1
- 0.51%
- Min
- -19.18%
CRCL’s Operating Profit Margin of 15.39% is around the midpoint for the Financial - Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | ALL | CRCL |
|---|---|---|
| Return on Equity (TTM) | 19.50% | 15.23% |
| Return on Assets (TTM) | 3.51% | 0.18% |
| Return on Invested Capital (TTM) | 3.75% | 5.13% |
| Net Profit Margin (TTM) | 6.19% | 12.02% |
| Operating Profit Margin (TTM) | 8.30% | 15.39% |
| Gross Profit Margin (TTM) | 22.67% | 26.76% |
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.
CRCL
1.02
Financial - Capital Markets Industry
- Max
- 4.60
- Q3
- 3.24
- Median
- 1.32
- Q1
- 0.96
- Min
- 0.05
For the Financial - Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
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.
CRCL
0.05
Financial - Capital Markets Industry
- Max
- 3.63
- Q3
- 1.68
- Median
- 0.37
- Q1
- 0.09
- Min
- 0.00
Falling into the lower quartile for the Financial - Capital Markets industry, CRCL’s Debt-to-Equity Ratio of 0.05 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
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.
CRCL
174.59
Financial - Capital Markets Industry
- Max
- 12.71
- Q3
- 7.94
- Median
- 1.92
- Q1
- 0.24
- Min
- -7.71
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial - Capital Markets industry.
Financial Strength at a Glance
| Symbol | ALL | CRCL |
|---|---|---|
| Current Ratio (TTM) | -- | 1.02 |
| Quick Ratio (TTM) | -- | 1.02 |
| Debt-to-Equity Ratio (TTM) | 0.37 | 0.05 |
| Debt-to-Asset Ratio (TTM) | 0.07 | 0.00 |
| Net Debt-to-EBITDA Ratio (TTM) | 1.21 | -4.29 |
| Interest Coverage Ratio (TTM) | 13.45 | 174.59 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ALL and CRCL. 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.
CRCL
0.00%
Financial - Capital Markets Industry
- Max
- 5.86%
- Q3
- 1.74%
- Median
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
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.
CRCL
0.00%
Financial - Capital Markets Industry
- Max
- 128.06%
- Q3
- 43.11%
- Median
- 12.56%
- Q1
- 0.00%
- Min
- 0.00%
CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | ALL | CRCL |
|---|---|---|
| Dividend Yield (TTM) | 1.94% | 0.00% |
| Dividend Payout Ratio (TTM) | 26.95% | 0.00% |
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.
CRCL
370.35
Financial - Capital Markets Industry
- Max
- 42.65
- Q3
- 29.09
- Median
- 20.52
- Q1
- 14.58
- Min
- 8.28
At 370.35, CRCL’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial - Capital Markets industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
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.
CRCL
3.70
Financial - Capital Markets Industry
- Max
- 4.05
- Q3
- 2.46
- Median
- 1.52
- Q1
- 0.78
- Min
- 0.02
A Forward PEG Ratio of 3.70 places CRCL in the upper quartile for the Financial - Capital Markets industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
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.
CRCL
36.42
Financial - Capital Markets Industry
- Max
- 14.34
- Q3
- 7.63
- Median
- 2.98
- Q1
- 1.50
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial - Capital Markets industry.
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.
CRCL
56.39
Financial - Capital Markets Industry
- Max
- 9.60
- Q3
- 6.00
- Median
- 2.91
- Q1
- 1.84
- Min
- 0.53
At 56.39, CRCL’s P/B Ratio is at an extreme premium to the Financial - Capital Markets industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | ALL | CRCL |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 12.94 | 370.35 |
| Forward PEG Ratio (TTM) | 0.97 | 3.70 |
| Price-to-Sales Ratio (P/S, TTM) | 0.80 | 36.42 |
| Price-to-Book Ratio (P/B, TTM) | 2.37 | 56.39 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 5.85 | 303.64 |
| EV-to-EBITDA (TTM) | 9.99 | 177.56 |
| EV-to-Sales (TTM) | 0.91 | 35.57 |