HCI vs ALL

For growth investors, HCI Group, Inc.

(HCI) is the stronger pick with 20. 2% revenue growth year-over-year, versus 4. 6% for The Allstate Corporation (ALL). The Allstate Corporation (ALL) offers the better valuation at 5. 7x trailing P/E (8. 0x forward), making it the more compelling value choice. Analysts rate HCI Group, Inc. (HCI) a "Buy" — based on 14 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, The Allstate Corporation (ALL) is the cheapest at 5.

7x versus HCI Group, Inc. at 6. 2x. On forward P/E, The Allstate Corporation is actually cheaper at 8. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: HCI Group, Inc. wins at 0. 19x versus The Allstate Corporation's 0. 47x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, HCI Group, Inc.

(HCI) delivered a total return of +110. 5%, compared to +78. 0% for The Allstate Corporation (ALL). Over 10 years, the gap is even starker: HCI returned +451. 6% versus ALL's +265. 6%. 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 HCI Group, Inc. 's 0. 39β — meaning HCI is approximately 237% more volatile than ALL relative to the S&P 500. On balance sheet safety, HCI Group, Inc. (HCI) carries a lower debt/equity ratio of 6% versus 24% for The Allstate Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), HCI Group, Inc.

(HCI) is pulling ahead at 20. 2% versus 4. 6% for The Allstate Corporation (ALL). On earnings-per-share growth, the picture is similar: HCI Group, Inc. grew EPS 179. 8% year-over-year, compared to 124. 8% for The Allstate Corporation. Over a 3-year CAGR, HCI leads at 22. 3% 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.

HCI Group, Inc.

(HCI) is the more profitable company, earning 33. 2% net margin versus 15. 5% for The Allstate Corporation — meaning it keeps 33. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HCI leads at 47. 7% versus 19. 8% for ALL. At the gross margin level — before operating expenses — HCI leads at 73. 2%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, HCI Group, Inc. (HCI) is the more undervalued stock at a PEG of 0. 19x versus The Allstate Corporation's 0. 47x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, The Allstate Corporation (ALL) trades at 8. 0x forward P/E versus 9. 3x for HCI Group, Inc. — 1. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ALL: 12. 1% to $244. 38.

All stocks in this comparison pay dividends.

The Allstate Corporation (ALL) offers the highest yield at 1. 8%, versus 1. 0% for HCI Group, Inc. (HCI).

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, +265. 6% 10Y return). Both have compounded well over 10 years (ALL: +265. 6%, HCI: +451. 6%), 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.

In terms of investment character: HCI is a small-cap high-growth stock; ALL is a mid-cap deep-value stock. 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.