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ALL vs. WRB: Allstate vs. W. R. Berkley Stock Comparison

How do Allstate (ALL) and W. R. Berkley (WRB) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Allstate (ALL) and W. R. Berkley (WRB) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Company profile comparison for Allstate (ALL) and W. R. Berkley (WRB)
Profile ItemALLWRB
NameThe Allstate CorporationW. R. Berkley Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceProperty & Casualty Insurance
Market Capitalization63.05 billion USD27.95 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJune 3, 1993October 23, 1973
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

ALL
WRB
GSPC
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Allstate (ALL) vs. W. R. Berkley (WRB), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Allstate (ALL) and W. R. Berkley (WRB). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Allstate (ALL) and W. R. Berkley (WRB). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Allstate (ALL) and W. R. Berkley (WRB)
MetricALLWRB
Total Return (1Y)27.36%4.12%
Total Return (3Y, Annualized)27.71%21.96%
Total Return (5Y, Annualized)19.82%18.80%

Risk Profile

Drawdown History

ALL
WRB
GSPC
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Allstate (ALL) vs. W. R. Berkley (WRB), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Allstate (ALL) and W. R. Berkley (WRB). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Allstate (ALL) and W. R. Berkley (WRB)
MetricALLWRB
Volatility (1Y, Annualized)25.96%22.41%
Beta (5Y)0.130.21
Max Drawdown (5Y)-27.35%-26.29%
Avg. Volume (3M)1.91M2.52M

Risk-Adjusted Performance

Risk-Return Positioning

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ALL and WRB are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Allstate (ALL) and W. R. Berkley (WRB)
MetricALLWRB
Sharpe Ratio (1Y)0.89-0.01
Sortino Ratio (1Y)1.28-0.01

Profitability

ROE (TTM)

Allstate (ALL) at 38.93% sits in the top ROE quartile, while W. R. Berkley (WRB) at 19.26% is closer to the peer norm — stronger capital efficiency for ALL.

ALL

Insurance industry group

38.93%

Max
41.68%
ALL
38.93%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%

WRB

Insurance industry group

19.26%

Max
41.68%
Q3
22.04%
WRB
19.26%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Both Allstate (ALL) at 16.57% and W. R. Berkley (WRB) at 12.53% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

ALL

Insurance industry group

16.57%

Max
29.92%
Q3
17.03%
ALL
16.57%
Median
10.97%
Q1
6.21%
Min
-4.68%

WRB

Insurance industry group

12.53%

Max
29.92%
Q3
17.03%
WRB
12.53%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Allstate (ALL) in Insurance and W. R. Berkley (WRB) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Allstate (ALL) and W. R. Berkley (WRB)
MetricALLWRB
ROE (TTM)38.93%19.26%
ROA (TTM)7.68%3.43%
Net Margin (TTM)16.57%12.53%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Both Allstate (ALL) at 5.60% and W. R. Berkley (WRB) at 6.93% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their Revenue Growth across different time periods.

EPS Growth

Allstate (ALL) at 124.01% sits in the top EPS growth quartile, while W. R. Berkley (WRB) at 2.06% is closer to the peer norm — faster per-share earnings growth for ALL.

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Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Allstate (ALL) and W. R. Berkley (WRB)
MetricALLWRB
Revenue Growth (YoY)5.60%6.93%
Revenue Growth (3Y CAGR)9.84%9.28%
EPS Growth (YoY)124.01%2.06%
EPS Growth (3Y CAGR)--10.55%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Allstate (ALL) in Insurance and W. R. Berkley (WRB) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Allstate (ALL) in Insurance and W. R. Berkley (WRB) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Allstate (ALL) and W. R. Berkley (WRB)
MetricALLWRB
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Allstate (ALL) at 1.59% and W. R. Berkley (WRB) at 0.49% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

ALL

Insurance industry group

1.59%

Max
5.12%
Q3
2.15%
ALL
1.59%
Median
0.98%
Q1
0.00%
Min
0.00%

WRB

Insurance industry group

0.49%

Max
5.12%
Q3
2.15%
Median
0.98%
WRB
0.49%
Q1
0.00%
Min
0.00%
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Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Allstate (ALL) at 9.62% and W. R. Berkley (WRB) at 8.03% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

ALL

Insurance industry group

9.62%

Max
76.67%
Q3
35.18%
Median
14.74%
ALL
9.62%
Q1
0.00%
Min
0.00%

WRB

Insurance industry group

8.03%

Max
76.67%
Q3
35.18%
Median
14.74%
WRB
8.03%
Q1
0.00%
Min
0.00%
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Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Allstate (ALL) and W. R. Berkley (WRB)
MetricALLWRB
Dividend Yield (TTM)1.59%0.49%
Dividend Payout Ratio (TTM)9.62%8.03%

Valuation

P/E Ratio (TTM)

Allstate (ALL) at 5.78 sits in the cheaper P/E ratio quartile, while W. R. Berkley (WRB) at 15.90 is closer to its industry’s usual earnings multiple — a discount for ALL, though growth and earnings durability still matter.

ALL

Insurance industry group

5.78

Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
ALL
5.78
Min
2.32

WRB

Insurance industry group

15.90

Max
28.37
Q3
18.75
WRB
15.90
Median
12.23
Q1
9.08
Min
2.32
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Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Allstate (ALL) at 0.90 and W. R. Berkley (WRB) at 1.88 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

ALL

Insurance industry group

0.90

Max
4.03
Q3
2.25
Median
1.23
ALL
0.90
Q1
0.85
Min
0.07

WRB

Insurance industry group

1.88

Max
4.03
Q3
2.25
WRB
1.88
Median
1.23
Q1
0.85
Min
0.07
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Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Allstate (ALL) at 2.09 is valued about in line with its industry on P/B ratio, while W. R. Berkley (WRB) at 3.04 carries an above-peer premium to book — WRB is pricier on assets.

ALL

Insurance industry group

2.09

Max
5.07
Q3
2.79
ALL
2.09
Median
1.76
Q1
1.23
Min
0.30

WRB

Insurance industry group

3.04

Max
5.07
WRB
3.04
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30
Loading chart…
Allstate (ALL) vs. W. R. Berkley (WRB): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Allstate (ALL) and W. R. Berkley (WRB)
MetricALLWRB
P/E Ratio (TTM)5.7815.90
P/S Ratio (TTM)0.901.88
P/B Ratio (MRQ)2.093.04
Free Cash Flow Yield (TTM)----