ACIC vs ALL

For growth investors, American Coastal Insurance Corporation (ACIC) is the stronger pick with 13.

1% revenue growth year-over-year, versus 4. 6% for The Allstate Corporation (ALL). American Coastal Insurance Corporation (ACIC) offers the better valuation at 5. 0x trailing P/E (7. 3x forward), making it the more compelling value choice. Analysts rate The Allstate Corporation (ALL) a "Buy" — based on 44 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, American Coastal Insurance Corporation (ACIC) is the cheapest at 5.

0x versus The Allstate Corporation at 5. 6x. On forward P/E, American Coastal Insurance Corporation is actually cheaper at 7. 3x.

Over the past 5 years, American Coastal Insurance Corporation (ACIC) delivered a total return of +107.

0%, compared to +75. 3% for The Allstate Corporation (ALL). Over 10 years, the gap is even starker: ALL returned +258. 7% versus ACIC's -22. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), The Allstate Corporation (ALL) is the lower-risk stock at 0.

12β versus American Coastal Insurance Corporation's 0. 39β — meaning ACIC is approximately 238% more volatile than ALL relative to the S&P 500. On balance sheet safety, The Allstate Corporation (ALL) carries a lower debt/equity ratio of 24% versus 48% for American Coastal Insurance Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), American Coastal Insurance Corporation (ACIC) is pulling ahead at 13.

1% versus 4. 6% for The Allstate Corporation (ALL). On earnings-per-share growth, the picture is similar: The Allstate Corporation grew EPS 124. 8% year-over-year, compared to 40. 5% for American Coastal Insurance Corporation. Over a 3-year CAGR, ACIC leads at 15. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

American Coastal Insurance Corporation (ACIC) is the more profitable company, earning 31.

8% net margin versus 15. 5% for The Allstate Corporation — meaning it keeps 31. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ACIC leads at 42. 6% versus 19. 8% for ALL. At the gross margin level — before operating expenses — ACIC leads at 86. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, American Coastal Insurance Corporation (ACIC) trades at 7.

3x forward P/E versus 7. 9x for The Allstate Corporation — 0. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ALL: 14. 4% to $244. 38.

In this comparison, ALL (1.

8% yield) pays a dividend. ACIC does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, The Allstate Corporation (ALL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

12), 1. 8% yield, +258. 7% 10Y return). Both have compounded well over 10 years (ALL: +258. 7%, ACIC: -22. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

ALL pays a dividend while ACIC does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.