ALL vs. RJF: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ALL and RJF, 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 RJF’s 32.28 billion USD, indicating a significant difference in their market valuations.
RJF carries a higher beta at 1.04, indicating it’s more sensitive to market moves, while ALL (beta: 0.34) exhibits greater stability.
| Symbol | ALL | RJF |
|---|---|---|
| Company Name | The Allstate Corporation | Raymond James Financial, Inc. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Financial - Capital Markets |
| CEO | Thomas Joseph Wilson II | Paul Marone Shoukry |
| Price | 198 USD | 160 USD |
| Market Cap | 52.43 billion USD | 32.28 billion USD |
| Beta | 0.34 | 1.04 |
| Exchange | NYSE | NYSE |
| IPO Date | June 3, 1993 | July 1, 1983 |
| ADR | No | No |
Historical Performance
This chart compares the performance of ALL and RJF 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.
RJF
18.63%
Financial - Capital Markets Industry
- Max
- 42.02%
- Q3
- 20.69%
- Median
- 13.73%
- Q1
- 3.33%
- Min
- -21.32%
RJF’s Return on Equity of 18.63% 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.
RJF
11.01%
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.
RJF
14.18%
Financial - Capital Markets Industry
- Max
- 28.67%
- Q3
- 13.52%
- Median
- 10.47%
- Q1
- 0.24%
- Min
- -9.55%
A Net Profit Margin of 14.18% places RJF in the upper quartile for the Financial - Capital Markets 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.
RJF
18.30%
Financial - Capital Markets Industry
- Max
- 56.86%
- Q3
- 25.29%
- Median
- 15.90%
- Q1
- 0.51%
- Min
- -19.18%
RJF’s Operating Profit Margin of 18.30% 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 | RJF |
|---|---|---|
| Return on Equity (TTM) | 19.50% | 18.63% |
| Return on Assets (TTM) | 3.51% | 2.63% |
| Return on Invested Capital (TTM) | 3.75% | 11.01% |
| Net Profit Margin (TTM) | 6.19% | 14.18% |
| Operating Profit Margin (TTM) | 8.30% | 18.30% |
| Gross Profit Margin (TTM) | 22.67% | 86.77% |
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.
RJF
0.35
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.
RJF
0.30
Financial - Capital Markets Industry
- Max
- 3.63
- Q3
- 1.68
- Median
- 0.37
- Q1
- 0.09
- Min
- 0.00
RJF’s Debt-to-Equity Ratio of 0.30 is typical for the Financial - Capital Markets 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.
RJF
1.40
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 | RJF |
|---|---|---|
| Current Ratio (TTM) | -- | 0.35 |
| Quick Ratio (TTM) | -- | 0.35 |
| Debt-to-Equity Ratio (TTM) | 0.37 | 0.30 |
| Debt-to-Asset Ratio (TTM) | 0.07 | 0.04 |
| Net Debt-to-EBITDA Ratio (TTM) | 1.21 | -1.99 |
| Interest Coverage Ratio (TTM) | 13.45 | 1.40 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ALL and RJF. 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.
RJF
1.22%
Financial - Capital Markets Industry
- Max
- 5.86%
- Q3
- 1.74%
- Median
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
RJF’s Dividend Yield of 1.22% is consistent with its peers in the Financial - Capital Markets 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.
RJF
18.32%
Financial - Capital Markets Industry
- Max
- 128.06%
- Q3
- 43.11%
- Median
- 12.56%
- Q1
- 0.00%
- Min
- 0.00%
RJF’s Dividend Payout Ratio of 18.32% is within the typical range for the Financial - Capital Markets industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | ALL | RJF |
|---|---|---|
| Dividend Yield (TTM) | 1.94% | 1.22% |
| Dividend Payout Ratio (TTM) | 26.95% | 18.32% |
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.
RJF
14.93
Financial - Capital Markets Industry
- Max
- 42.65
- Q3
- 29.09
- Median
- 20.52
- Q1
- 14.58
- Min
- 8.28
RJF’s P/E Ratio of 14.93 is within the middle range for the Financial - Capital Markets 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.
RJF
1.53
Financial - Capital Markets Industry
- Max
- 4.05
- Q3
- 2.46
- Median
- 1.52
- Q1
- 0.78
- Min
- 0.02
RJF’s Forward PEG Ratio of 1.53 is within the middle range of its peers in the Financial - Capital Markets 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.
RJF
2.09
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.
RJF
2.68
Financial - Capital Markets Industry
- Max
- 9.60
- Q3
- 6.00
- Median
- 2.91
- Q1
- 1.84
- Min
- 0.53
RJF’s P/B Ratio of 2.68 is within the conventional range for the Financial - Capital Markets 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 | RJF |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 12.94 | 14.93 |
| Forward PEG Ratio (TTM) | 0.97 | 1.53 |
| Price-to-Sales Ratio (P/S, TTM) | 0.80 | 2.09 |
| Price-to-Book Ratio (P/B, TTM) | 2.37 | 2.68 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 5.85 | 16.34 |
| EV-to-EBITDA (TTM) | 9.99 | 8.74 |
| EV-to-Sales (TTM) | 0.91 | 1.70 |