ALL vs. WF: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ALL and WF, 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 WF’s 12.55 billion USD, indicating a significant difference in their market valuations.
With betas of 0.34 for ALL and 0.51 for WF, both stocks show similar sensitivity to overall market movements.
WF is an American Depositary Receipt (ADR), allowing U.S. investors direct exposure to its non-U.S. operations. ALL, on the other hand, is a domestic entity.
| Symbol | ALL | WF |
|---|---|---|
| Company Name | The Allstate Corporation | Woori Financial Group Inc. |
| Country | US | KR |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Banks - Regional |
| CEO | Thomas Joseph Wilson II | Jong-Yong Yim |
| Price | 198 USD | 50.68 USD |
| Market Cap | 52.43 billion USD | 12.55 billion USD |
| Beta | 0.34 | 0.51 |
| Exchange | NYSE | NYSE |
| IPO Date | June 3, 1993 | October 1, 2003 |
| ADR | No | Yes |
Historical Performance
This chart compares the performance of ALL and WF 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.
WF
9.19%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.87%
- Median
- 9.48%
- Q1
- 6.66%
- Min
- -0.15%
WF’s Return on Equity of 9.19% is on par with the norm for the Banks - Regional 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.
WF
14.77%
Banks - Regional Industry
- Max
- 13.33%
- Q3
- 7.16%
- Median
- 5.31%
- Q1
- 2.87%
- Min
- -3.49%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional 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.
WF
9.51%
Banks - Regional Industry
- Max
- 32.03%
- Q3
- 21.35%
- Median
- 16.99%
- Q1
- 12.69%
- Min
- 0.27%
Falling into the lower quartile for the Banks - Regional industry, WF’s Net Profit Margin of 9.51% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
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.
WF
29.13%
Banks - Regional Industry
- Max
- 40.01%
- Q3
- 26.24%
- Median
- 21.14%
- Q1
- 15.85%
- Min
- 1.50%
An Operating Profit Margin of 29.13% places WF in the upper quartile for the Banks - Regional 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 | WF |
|---|---|---|
| Return on Equity (TTM) | 19.50% | 9.19% |
| Return on Assets (TTM) | 3.51% | 0.55% |
| Return on Invested Capital (TTM) | 3.75% | 14.77% |
| Net Profit Margin (TTM) | 6.19% | 9.51% |
| Operating Profit Margin (TTM) | 8.30% | 29.13% |
| Gross Profit Margin (TTM) | 22.67% | 60.59% |
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.
WF
--
Banks - Regional Industry
- Max
- 0.39
- Q3
- 0.22
- Median
- 0.15
- Q1
- 0.10
- Min
- 0.01
For the Banks - Regional 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.
WF
2.43
Banks - Regional Industry
- Max
- 1.74
- Q3
- 0.81
- Median
- 0.42
- Q1
- 0.18
- Min
- 0.00
With a Debt-to-Equity Ratio of 2.43, WF operates with exceptionally high leverage compared to the Banks - Regional industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
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.
WF
1.35
Banks - Regional Industry
- Max
- 1.58
- Q3
- 0.84
- Median
- 0.59
- Q1
- 0.35
- Min
- -0.35
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.
Financial Strength at a Glance
| Symbol | ALL | WF |
|---|---|---|
| Current Ratio (TTM) | -- | -- |
| Quick Ratio (TTM) | -- | -- |
| Debt-to-Equity Ratio (TTM) | 0.37 | 2.43 |
| Debt-to-Asset Ratio (TTM) | 0.07 | 0.16 |
| Net Debt-to-EBITDA Ratio (TTM) | 1.21 | 53.49 |
| Interest Coverage Ratio (TTM) | 13.45 | 1.35 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ALL and WF. 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.
WF
4.54%
Banks - Regional Industry
- Max
- 11.72%
- Q3
- 4.07%
- Median
- 3.00%
- Q1
- 1.68%
- Min
- 0.00%
With a Dividend Yield of 4.54%, WF offers a more attractive income stream than most of its peers in the Banks - Regional 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.
WF
9.26%
Banks - Regional Industry
- Max
- 155.35%
- Q3
- 50.05%
- Median
- 34.14%
- Q1
- 18.61%
- Min
- 0.00%
WF’s Dividend Payout Ratio of 9.26% is in the lower quartile for the Banks - Regional industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | ALL | WF |
|---|---|---|
| Dividend Yield (TTM) | 1.94% | 4.54% |
| Dividend Payout Ratio (TTM) | 26.95% | 9.26% |
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.
WF
6.28
Banks - Regional Industry
- Max
- 22.32
- Q3
- 15.38
- Median
- 12.31
- Q1
- 10.72
- Min
- 4.30
In the lower quartile for the Banks - Regional industry, WF’s P/E Ratio of 6.28 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
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.
WF
0.97
Banks - Regional Industry
- Max
- 4.03
- Q3
- 2.13
- Median
- 1.25
- Q1
- 0.71
- Min
- 0.02
WF’s Forward PEG Ratio of 0.97 is within the middle range of its peers in the Banks - Regional 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.
WF
0.56
Banks - Regional Industry
- Max
- 4.28
- Q3
- 2.76
- Median
- 2.17
- Q1
- 1.71
- Min
- 0.55
The P/S Ratio is often not a primary valuation tool in the Banks - Regional 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.
WF
0.53
Banks - Regional Industry
- Max
- 1.99
- Q3
- 1.35
- Median
- 1.09
- Q1
- 0.92
- Min
- 0.33
WF’s P/B Ratio of 0.53 is in the lower quartile for the Banks - Regional industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | ALL | WF |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 12.94 | 6.28 |
| Forward PEG Ratio (TTM) | 0.97 | 0.97 |
| Price-to-Sales Ratio (P/S, TTM) | 0.80 | 0.56 |
| Price-to-Book Ratio (P/B, TTM) | 2.37 | 0.53 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 5.85 | 7.11 |
| EV-to-EBITDA (TTM) | 9.99 | 64.40 |
| EV-to-Sales (TTM) | 0.91 | 3.30 |