The Allstate Corporation (ALL) vs The Travelers Companies, Inc. (TRV)

The Allstate Corporation and The Travelers Companies, Inc. are both Insurance Property & Casualty companies. The Travelers Companies, Inc. is the larger, with a market value of $82.6B against $67.4B — 1.2× the size. The Allstate Corporation trades at the lower P/E: 6.0× against 10.4×. The Allstate Corporation grew revenue faster over the last twelve months: 5.06% against 1.07%. The Travelers Companies, Inc. has the higher net margin (16.9% vs 16.4%) and the higher return on invested capital (17.8% vs 0.00%). Both pay a dividend; The Allstate Corporation yields more (1.59% vs 1.17%). Across the 21 metrics below, The Allstate Corporation leads on 14 and The Travelers Companies, Inc. on 7.

Valuation

Metric ALL TRV Insurance Property & Casualty median
P/E 5.96 10.38 12.17
P/S 0.95 1.70 1.26
P/B 2.21 2.87 1.85
Price to free cash flow 5.26 7.82 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 16.78% 9.63% 8.20%
Free cash flow yield 18.99% 12.78% 11.86%

Profitability

Metric ALL TRV Insurance Property & Casualty median
Gross margin 0.00% 49.67% 37.39%
Operating margin 0.00% 22.12% 14.67%
Net margin 16.41% 16.91% 10.16%
Free cash flow margin 18.13% 21.74% 18.60%
Return on equity 41.31% 27.30% 16.59%
Return on assets 9.28% 5.79% 3.38%
Return on invested capital 0.00% 17.78% 9.43%

Growth

Metric ALL TRV Insurance Property & Casualty median
Revenue growth (TTM) 5.06% 1.07% 5.70%
EPS growth (last fiscal year) 124.01% 27.76% 39.61%
Revenue growth, 5-year CAGR 10.06% 8.83% 9.23%
Net income growth, 5-year CAGR 13.23% 18.44% 10.09%

Health

Metric ALL TRV Insurance Property & Casualty median
Debt to equity 0.23 0.34 0.25
Current ratio 0.29 0.27 0.49
Net debt to EBITDA 0.55 0.52 0.08

Dividend

Metric ALL TRV Insurance Property & Casualty median
Dividend yield 1.59% 1.17% 1.56%
Payout ratio 0.10 0.12 0.15

Size

Metric ALL TRV Insurance Property & Casualty median
Market cap 67.44b 82.57b 2.64b

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