ALL vs MET Stock Comparison: AI Score, Valuation, Performance and Upside
ALL and MET are both insurers but write fundamentally different risks. Allstate is a property and casualty insurer whose results hinge on auto and home claims costs, weather, and pricing discipline. MetLife is a life and benefits company whose results hinge on group claims experience, investment spreads, and interest rates. Weather and repair costs against mortality and yields.
Use this ALL vs MET comparison to identify which macro variable matters. Allstate's earnings respond to claims severity, catastrophe frequency, and how fast regulators approve rate increases. MetLife's respond to interest rates and credit markets, because it invests premiums against liabilities stretching decades into the future.
ALL holds the edge across 3 of 5 key metrics in this comparison. MET leads on both 1-year return (+21.16%) and forward P/E quality (8.84x vs 9.05x for ALL), a relatively favorable combination of momentum and valuation. ALL leads on both revenue growth (11.80%) and operating margin (22.83%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies similar upside for both: +9.98% for ALL and +8.86% for MET.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want personal auto and homeowners insurance exposure with a strong brand
- Believe the rate increases already taken will restore underwriting margin
- Value multi-channel distribution and growing fee-based protection services
- Accept catastrophe exposure and the growth-versus-margin trade-off
- Want stable group benefits premium sold through employer relationships
- Value retirement, asset management, and international diversification
- Are comfortable with interest rate and credit spread sensitivity
- Prefer a dividend-paying insurer with long-duration liabilities over catastrophe exposure
| Metric | ALL | MET |
|---|---|---|
| AI scorei | 53.8 | 53.0 |
| AI ranki | #274 | #313 |
| Latest closei | $227.60 | $97.70 |
| 1M returni | -13.07% | +1.22% |
| 6M returni | +12.28% | +44.31% |
| 1Y returni | +8.69% | +21.16% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | ALL | MET |
|---|---|---|
| 1Y ago | $10.85K (+8.5%) started 2025-09-25 | $12.17K (+21.7%) started 2025-09-25 |
| 5Y ago | $20.94K (+109.4%) started 2021-09-27 | $19.44K (+94.4%) started 2021-09-27 |
| 10Y ago | $49.63K (+396.3%) started 2016-09-26 | $48K (+380.0%) started 2016-09-26 |
Hypothetical — past performance does not guarantee future results.
| Metric | ALL | MET |
|---|---|---|
| Market capi | $63.17B | $61.33B |
| Trailing P/Ei | 5.00 | 18.49 |
| Forward P/Ei | 9.05 | 8.84 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 0.95 | 1.07 |
| Analyst targeti | $274.77 | $105.06 |
| Target upsidei | +9.98% | +8.86% |
| Metric | ALL | MET |
|---|---|---|
| Revenue growthi | 11.80% | 10.50% |
| Earnings growthi | 61.20% | 5.80% |
| EPS growthi | +61.20% | +5.80% |
| FCF margini | +21.61% | -26.39% |
| Operating margini | 22.83% | 5.52% |
| Profit margini | 18.97% | 4.57% |
| ROIC proxyi | 46.11% | 13.09% |
| Return on equityi | 46.11% | 13.09% |
| Dividend yieldi | 1.73% | 2.46% |
| Payout ratioi | 8.33% | 43.97% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.15 | 0.76 |
| Debt/equityi | 22.26 | 179.93 |
| Current ratioi | 0.36 | 2.03 |
| Quick ratioi | 0.24 | 1.71 |
Over the past year, ALL and MET have moved weakly in the same direction (correlation of 0.34), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | ALL | MET |
|---|---|---|---|
| 1Y | Growthi | +8.47% | +21.70% |
| CAGRi | +8.49% | +21.73% | |
| Volatilityi | 25.32% | 23.57% | |
| Sharpe ratioi | 0.27 | 0.76 | |
| Sortino ratioi | 0.37 | 1.08 | |
| Max drawdowni | 17.97% | 18.33% | |
| Current drawdowni | 17.27% | 2.25% | |
| Avg drawdowni | 4.08% | 5.13% | |
| Ulcer Indexi | 5.34% | 6.78% | |
| Max daily dropi | 5.50% | 5.10% | |
| Max wkly dropi | 11.45% | 8.89% | |
| 5Y | Growthi | +90.86% | +72.27% |
| CAGRi | +13.82% | +11.50% | |
| Volatilityi | 26.09% | 25.38% | |
| Sharpe ratioi | 0.46 | 0.38 | |
| Sortino ratioi | 0.63 | 0.52 | |
| Max drawdowni | 27.35% | 35.09% | |
| Current drawdowni | 17.27% | 2.25% | |
| Avg drawdowni | 7.20% | 8.92% | |
| Ulcer Indexi | 9.60% | 11.43% | |
| Max daily dropi | 12.90% | 9.01% | |
| Max wkly dropi | 12.82% | 16.59% | |
| 10Y | Growthi | +302.77% | +240.46% |
| CAGRi | +14.95% | +13.04% | |
| Volatilityi | 25.39% | 29.95% | |
| Sharpe ratioi | 0.50 | 0.41 | |
| Sortino ratioi | 0.69 | 0.57 | |
| Max drawdowni | 41.39% | 55.16% | |
| Current drawdowni | 17.27% | 2.25% | |
| Avg drawdowni | 7.69% | 10.21% | |
| Ulcer Indexi | 10.72% | 13.38% | |
| Max daily dropi | 14.09% | 16.64% | |
| Max wkly dropi | 22.74% | 30.33% |
| Category | ALL | MET |
|---|---|---|
| Company | The Allstate Corporation | MetLife, Inc. |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Life |
| Core business | Major US personal lines insurer writing auto and homeowners policies through agents, direct channels, and brands including Esurance and National General, plus protection plans and identity protection services. | Global provider of group benefits including life, dental, and disability insurance sold through employers, plus retirement and income solutions, an institutional asset management arm, and substantial international operations notably in Japan and Latin America. |
| Investor focus | Auto margin restoration through rate increases, policies in force trends, homeowners catastrophe losses, expense reduction, and buybacks. | Group benefits underwriting margin, retirement and income solutions spread income, asset management flows, interest rate levels, and capital return. |
- Large, recognised brand with multi-channel distribution reaching different customer segments
- Has pushed through substantial auto rate increases to rebuild underwriting margin
- Protection plans and services add fee-based revenue outside traditional underwriting
- Group benefits sold through employers produce stable, recurring premium with high retention
- Asset management and retirement businesses generate fee and spread income
- Diversified internationally, reducing dependence on any single market
- Aggressive rate increases cost policies in force, so growth and margin trade off directly
- Homeowners catastrophe losses have grown with severe weather frequency
- Competes against insurers with better loss ratios and stronger pricing sophistication
- Long-duration liabilities make earnings sensitive to interest rates and credit spreads
- Group life and disability claims experience can deteriorate with mortality and morbidity trends
- International results are exposed to currency movements, particularly the Japanese yen
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