ALL vs. RLI: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ALL and RLI, 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 RLI’s 6.58 billion USD, indicating a significant difference in their market valuations.
RLI carries a higher beta at 0.66, indicating it’s more sensitive to market moves, while ALL (beta: 0.34) exhibits greater stability.
| Symbol | ALL | RLI |
|---|---|---|
| Company Name | The Allstate Corporation | RLI Corp. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
| CEO | Thomas Joseph Wilson II | Craig William Kliethermes CPCU, FCAS |
| Price | 198 USD | 71.7 USD |
| Market Cap | 52.43 billion USD | 6.58 billion USD |
| Beta | 0.34 | 0.66 |
| Exchange | NYSE | NYSE |
| IPO Date | June 3, 1993 | March 17, 1980 |
| ADR | No | No |
Historical Performance
This chart compares the performance of ALL and RLI 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.
RLI
17.41%
Insurance - Property & Casualty Industry
- Max
- 28.14%
- Q3
- 17.51%
- Median
- 12.75%
- Q1
- 8.26%
- Min
- 0.61%
RLI’s Return on Equity of 17.41% is on par with the norm for the Insurance - Property & Casualty 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.
RLI
78.98%
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.
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.
RLI
16.16%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
A Net Profit Margin of 16.16% places RLI in the upper quartile for the Insurance - Property & Casualty 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.
RLI
20.01%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
An Operating Profit Margin of 20.01% places RLI in the upper quartile for the Insurance - Property & Casualty 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 | RLI |
|---|---|---|
| Return on Equity (TTM) | 19.50% | 17.41% |
| Return on Assets (TTM) | 3.51% | 4.91% |
| Return on Invested Capital (TTM) | 3.75% | 78.98% |
| Net Profit Margin (TTM) | 6.19% | 16.16% |
| Operating Profit Margin (TTM) | 8.30% | 20.01% |
| Gross Profit Margin (TTM) | 22.67% | 99.63% |
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.
RLI
3.10
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
RLI’s Current Ratio of 3.10 falls into the lower quartile for the Insurance - Property & Casualty industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
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.
RLI
0.06
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
Falling into the lower quartile for the Insurance - Property & Casualty industry, RLI’s Debt-to-Equity Ratio of 0.06 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.
RLI
57.56
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
With an Interest Coverage Ratio of 57.56, RLI demonstrates a superior capacity to service its debt, placing it well above the typical range for the Insurance - Property & Casualty industry. This stems from either robust earnings or a conservative debt load.
Financial Strength at a Glance
| Symbol | ALL | RLI |
|---|---|---|
| Current Ratio (TTM) | -- | 3.10 |
| Quick Ratio (TTM) | -- | 3.10 |
| Debt-to-Equity Ratio (TTM) | 0.37 | 0.06 |
| Debt-to-Asset Ratio (TTM) | 0.07 | 0.02 |
| Net Debt-to-EBITDA Ratio (TTM) | 1.21 | 0.63 |
| Interest Coverage Ratio (TTM) | 13.45 | 57.56 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ALL and RLI. 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.
RLI
6.82%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 6.82%, RLI offers a more attractive income stream than most of its peers in the Insurance - Property & Casualty industry, signaling a strong commitment to shareholder returns.
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.
RLI
84.34%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
RLI’s Dividend Payout Ratio of 84.34% is in the upper quartile for the Insurance - Property & Casualty industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | ALL | RLI |
|---|---|---|
| Dividend Yield (TTM) | 1.94% | 6.82% |
| Dividend Payout Ratio (TTM) | 26.95% | 84.34% |
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.
RLI
23.41
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
A P/E Ratio of 23.41 places RLI in the upper quartile for the Insurance - Property & Casualty industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
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.
RLI
71.92
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
RLI’s Forward PEG Ratio of 71.92 is exceptionally high for the Insurance - Property & Casualty industry. This suggests its stock price is very high relative to its expected earnings growth, signaling significant overvaluation risk.
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.
RLI
3.78
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.
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.
RLI
4.10
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
RLI’s P/B Ratio of 4.10 is in the upper tier for the Insurance - Property & Casualty industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | ALL | RLI |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 12.94 | 23.41 |
| Forward PEG Ratio (TTM) | 0.97 | 71.92 |
| Price-to-Sales Ratio (P/S, TTM) | 0.80 | 3.78 |
| Price-to-Book Ratio (P/B, TTM) | 2.37 | 4.10 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 5.85 | 11.19 |
| EV-to-EBITDA (TTM) | 9.99 | 57.71 |
| EV-to-Sales (TTM) | 0.91 | 3.82 |