Comparing Allstate (ALL) & Baldwin & Lyons Inc Class B (BWINB)

Baldwin & Lyons Inc Class B (NASDAQ:BWINB) and Allstate (NYSE:ALL) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, valuation, risk, earnings, analyst recommendations and profitability.

Profitability

This table compares Baldwin & Lyons Inc Class B and Allstate’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Baldwin & Lyons Inc Class B N/A N/A N/A
Allstate 9.38% 15.48% 2.86%

Earnings and Valuation

This table compares Baldwin & Lyons Inc Class B and Allstate’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Baldwin & Lyons Inc Class B N/A N/A N/A N/A N/A
Allstate $38.52 billion 0.79 $3.19 billion $6.71 13.13

Allstate has higher revenue and earnings than Baldwin & Lyons Inc Class B.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Baldwin & Lyons Inc Class B and Allstate, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Baldwin & Lyons Inc Class B 0 0 0 0 N/A
Allstate 0 7 4 0 2.36

Allstate has a consensus price target of $102.91, suggesting a potential upside of 16.85%. Given Allstate’s higher probable upside, analysts clearly believe Allstate is more favorable than Baldwin & Lyons Inc Class B.

Institutional & Insider Ownership

47.5% of Baldwin & Lyons Inc Class B shares are held by institutional investors. Comparatively, 77.0% of Allstate shares are held by institutional investors. 38.1% of Baldwin & Lyons Inc Class B shares are held by company insiders. Comparatively, 1.4% of Allstate shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Dividends

Baldwin & Lyons Inc Class B pays an annual dividend of $1.12 per share and has a dividend yield of 4.8%. Allstate pays an annual dividend of $1.84 per share and has a dividend yield of 2.1%. Allstate pays out 27.4% of its earnings in the form of a dividend. Baldwin & Lyons Inc Class B has increased its dividend for 2 consecutive years and Allstate has increased its dividend for 7 consecutive years.

Summary

Allstate beats Baldwin & Lyons Inc Class B on 8 of the 11 factors compared between the two stocks.

About Baldwin & Lyons Inc Class B

Baldwin & Lyons, Inc., through its subsidiaries, engages in marketing and underwriting property and casualty insurance products. The company offers a range of fleet transportation insurance products, including commercial motor vehicle liability, physical damage, and general liability insurance; workers compensation insurance; medical and indemnity insurance products; non-trucking motor vehicle liability insurance; fidelity and surety bonds; and inland marine products consisting of cargo insurance. It also provides various additional services, such as risk surveys and analyses, safety program design and monitoring, government compliance assistance, loss control, and cost studies; research, development, and consultation in connection with new insurance programs that comprise development of systems to assist customers in monitoring their accident data; and claims handling services to clients with self-insurance programs. It serves trucking and public transportation fleets, as well as independent contractors in the trucking industry. The company primarily operates in the United States, Canada, Bermuda, and Puerto Rico. Baldwin & Lyons, Inc. was founded in 1930 and is headquartered in Carmel, Indiana.

About Allstate

The Allstate Corporation, together with its subsidiaries, engages in property and casualty insurance, and life insurance businesses in the United States and Canada. The company's Allstate Protection segment sells private passenger auto and homeowners insurance; specialty auto products, including motorcycle, trailer, motor home, and off-road vehicle insurance policies; other personal lines products, including renter, condominium, landlord, boat, umbrella, and manufactured home insurance policies; and commercial lines products under the Allstate, Esurance, and Encompass brand names. Its Service Businesses segment provides consumer electronics and appliance protection plans covering products, including TVs, smartphones, and computers; device and mobile data collection services, analytics and customer risk assessment solutions, and telematics services; roadside assistance services, such as towing, jump-start, lockout, fuel delivery, and tire change services; and vehicle service contracts, guaranteed asset protection waivers, road hazard tire and wheel protection, and paintless dent repair protection services under the SquareTrade, Arity, Allstate Roadside Services, and Allstate Dealer Services brands. The company's Allstate Life Segment offers term, whole, interest-sensitive, and variable life insurance products, as well as non-proprietary retirement product solutions offered by third-party providers. Its Allstate Benefits segment provides life, accident, critical illness, short-term disability, and other health insurance products. The Allstate Corporation sells its products through agencies, as well as directly through contact centers and Internet; and financial specialists, brokers, relationships with wholesale partners, and affinity groups. The company was founded in 1931 and is based in Northbrook, Illinois.

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