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ALL vs THG
Which Stock Would AI Choose? Allstate Corporation (ALL) vs. The Hanover Insurance Group (THG) Stock Comparison
Key Takeaways
- ALL is a large-cap property and casualty (P&C) insurer with heavy personal auto and homeowners exposure, while THG is a mid-cap P&C specialist weighted toward commercial and specialty lines distributed through independent agents.
- Both companies have delivered improving underwriting results, but THG has shown stronger relative momentum, outpacing the broader market in recent quarters, while ALL has been more sensitive to catastrophe-loss headlines.
- Tickeron AI Verdict: Based on trend consistency, underwriting stability, and relative positioning, Tickeron's AI currently leans toward THG as the favored name in this comparison.
- Get more information on each company's major news and today's price moves: ALL Major News | ALL Today's Price Move | THG Major News | THG Today's Price Move.
- To see the strategies and statistics of the best-performing automated systems in the current market, explore Trending AI Robots.
Introduction
Investors and traders weighing opportunities in the property and casualty insurance sector frequently compare ALL (Allstate Corporation) and THG (The Hanover Insurance Group) because both derive earnings from disciplined underwriting, yet they occupy very different positions in the market. ALL is a diversified national giant with broad consumer reach, while THG is a focused commercial-lines operator built around independent agency distribution. This stock comparison is relevant for investors assessing scale versus specialization, catastrophe risk versus niche diversification, and momentum versus valuation within the same industry.
ALL Overview and Recent Performance
ALL, the Allstate Corporation, is one of the largest property and casualty insurers in the United States, with a business concentrated in personal auto and homeowners insurance alongside life, health, and protection products. In recent weeks, the company has drawn attention for a notable improvement in its underwriting results, supported by premium rate increases and tighter expense discipline. Recent quarterly results reflected stronger net income and earnings per share (EPS), and the company reported a meaningful reduction in catastrophe losses compared with the prior quarter, which eased pressure on margins. Analysts have maintained a broadly constructive view, with several price targets raised in the low-to-mid $240 range. However, sentiment has been tempered by exposure to weather-related catastrophe volatility and questions about the pace of capital returns, keeping the stock's recent relative performance more muted than some industry peers.
THG Overview and Recent Performance
THG, The Hanover Insurance Group, is a mid-cap property and casualty insurer headquartered in Worcester, Massachusetts, offering commercial, specialty, and personal lines primarily through a network of independent agents. Its portfolio emphasizes small and middle-market commercial accounts, workers' compensation, and specialty products such as surety and excess and surplus (E&S) lines. In recent quarters, THG has posted strong operating results, including a combined ratio below 93% (a key underwriting metric where a figure under 100% indicates profitability) and record quarterly operating EPS. Net premiums written have grown steadily across segments, and net investment income has risen as higher yields support returns. The company has also expanded its capital-return program through dividend increases and a substantial share-repurchase authorization, contributing to momentum that has outperformed the broader market over the past year.
Trending AI Robots
For investors who prefer a data-driven, automated approach to these kinds of comparisons, Tickeron's Trending AI Robots page offers a curated selection of its best-performing artificial intelligence trading bots. Tickeron maintains hundreds of AI trading bots that collectively trade thousands of different tickers, each with its own trading style, strategy, timeframe, performance record, and set of underlying securities. Because market conditions change, only the bots most suited to the current environment are featured in the Trending AI Robots section. Browsing this section lets traders review key statistics and evaluate which automated strategies are currently performing most effectively. Whether you are comparing ALL and THG or a broader universe, exploring the Trending AI Robots page can help you identify systematically generated signals aligned with today's market.
Head-to-Head Comparison
The most immediate contrast between the two names is scale and focus. ALL operates with a market capitalization roughly seven times larger than THG, giving it broader diversification but also greater exposure to high-frequency, weather-sensitive personal lines. THG, by comparison, leans on commercial and specialty business, which tends to be less volatile but more dependent on disciplined risk selection in a competitive pricing cycle. On growth drivers, ALL is executing a multi-year pricing and expense turnaround, while THG is expanding steadily through agency consolidation and technology-enabled underwriting. From a risk standpoint, catastrophe and regulatory exposure loom larger for ALL, whereas THG faces the narrower challenge of maintaining pricing above loss-cost trends. In terms of market sentiment, THG has carried stronger recent momentum, while ALL trades at a lower forward valuation that reflects lingering uncertainty around capital returns and catastrophe volatility.
Tickeron AI Verdict
Weighing observable factors such as trend consistency, underwriting stability, and relative positioning, Tickeron's AI currently favors THG in this comparison. The company's steady premium growth, improving combined ratio, rising investment income, and expanding capital returns have translated into more consistent outperformance than ALL, whose turnaround is progressing but remains more exposed to catastrophe-driven earnings swings. This assessment is probabilistic rather than definitive: ALL retains meaningful upside if its pricing and expense initiatives continue to compound, and either stock could shift in standing as market conditions evolve. The verdict simply reflects the current weight of evidence across trend, momentum, and risk-adjusted positioning.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ALL is a Hold and THG is a Buy.
ALL's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for ALL turned positive on October 08, 2026. Looking at past instances where ALL's MACD turned positive, the stock continued to rise in 36 of 55 cases over the following month. The odds of a continued upward trend are 65%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 08, 2026. You may want to consider a long position or call options on ALL as a result. In 55 of 88 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 62%.
ALL moved above its 50-day moving average on October 16, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for ALL crossed bullishly above the 50-day moving average on October 26, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 9 of 17 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 53%.
Following a +3.15% 3-day Advance, the price is estimated to grow further. Considering data from situations where ALL advanced for three days, in 209 of 330 cases, the price rose further within the following month. The odds of a continued upward trend are 63%.
The Aroon Indicator entered an Uptrend today. In 143 of 241 cases where ALL Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 59%.
Bearish Trend Analysis
The RSI Oscillator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 16 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ALL declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 48%.
ALL broke above its upper Bollinger Band on October 15, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 9 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 51, placing this stock better than average.
The Tickeron Valuation Rating of 38 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.106) is normal, around the industry mean (-2.190). P/E Ratio (5.219) is within average values for comparable stocks, (9.307). Projected Growth (PEG Ratio) (1.673) is also within normal values, averaging (3.303). Dividend Yield (0.016) settles around the average of (0.026) among similar stocks. P/S Ratio (0.968) is also within normal values, averaging (1.594).
The Tickeron Price Growth Rating for this company is 40 (best 1 - 100 worst), indicating steady price growth. ALL’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 85 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 89 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
THG in upward trend: 10-day moving average crossed above 50-day moving average on October 19, 2026
The 10-day moving average for THG crossed bullishly above the 50-day moving average on October 19, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 10 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 67%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 06, 2026. You may want to consider a long position or call options on THG as a result. In 54 of 94 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 57%.
The Moving Average Convergence Divergence (MACD) for THG just turned positive on October 08, 2026. Looking at past instances where THG's MACD turned positive, the stock continued to rise in 25 of 48 cases over the following month. The odds of a continued upward trend are 52%.
THG moved above its 50-day moving average on October 14, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +5.65% 3-day Advance, the price is estimated to grow further. Considering data from situations where THG advanced for three days, in 178 of 322 cases, the price rose further within the following month. The odds of a continued upward trend are 55%.
The Aroon Indicator entered an Uptrend today. In 142 of 243 cases where THG Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 58%.
Bearish Trend Analysis
The RSI Indicator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where THG declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 40%.
THG broke above its upper Bollinger Band on November 02, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 8 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 51, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 26 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 39 (best 1 - 100 worst), indicating steady price growth. THG’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.355) is normal, around the industry mean (-2.190). P/E Ratio (11.635) is within average values for comparable stocks, (9.307). Projected Growth (PEG Ratio) (0.120) is also within normal values, averaging (3.303). Dividend Yield (0.015) settles around the average of (0.026) among similar stocks. P/S Ratio (1.243) is also within normal values, averaging (1.594).
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron SMR rating for this company is 53 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
ALL | THG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 42 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 38 Fair valued | 50 Fair valued | |
PROFIT vs RISK RATING 1..100 | 9 | 8 | |
SMR RATING 1..100 | 89 | 53 | |
PRICE GROWTH RATING 1..100 | 40 | 39 | |
P/E GROWTH RATING 1..100 | 85 | 26 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ALL's Valuation (38) in the Property Or Casualty Insurance industry is in the same range as THG (50). This means that ALL’s stock grew similarly to THG’s over the last 12 months.
THG's Profit vs Risk Rating (8) in the Property Or Casualty Insurance industry is in the same range as ALL (9). This means that THG’s stock grew similarly to ALL’s over the last 12 months.
THG's SMR Rating (53) in the Property Or Casualty Insurance industry is somewhat better than the same rating for ALL (89). This means that THG’s stock grew somewhat faster than ALL’s over the last 12 months.
THG's Price Growth Rating (39) in the Property Or Casualty Insurance industry is in the same range as ALL (40). This means that THG’s stock grew similarly to ALL’s over the last 12 months.
THG's P/E Growth Rating (26) in the Property Or Casualty Insurance industry is somewhat better than the same rating for ALL (85). This means that THG’s stock grew somewhat faster than ALL’s over the last 12 months.
| ALL | THG | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 65% | 2 days ago 63% |
| Stochastic ODDS (%) | 2 days ago 48% | 2 days ago 52% |
| Momentum ODDS (%) | 2 days ago 63% | 2 days ago 57% |
| MACD ODDS (%) | 2 days ago 65% | 2 days ago 52% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 57% |
| TrendMonth ODDS (%) | 2 days ago 62% | 2 days ago 60% |
| Advances ODDS (%) | 2 days ago 63% | 2 days ago 55% |
| Declines ODDS (%) | 7 days ago 48% | 7 days ago 40% |
| BollingerBands ODDS (%) | 2 days ago 49% | 2 days ago 46% |
| Aroon ODDS (%) | 2 days ago 59% | 2 days ago 58% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ALL’s FA Score shows that 1 FA rating(s) are green while THG’s FA Score has 2 green FA rating(s).
- ALL’s FA Score: 1 green, 4 red.
- THG’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
ALL’s TA Score shows that 6 TA indicator(s) are bullish while THG’s TA Score has 6 bullish TA indicator(s).
- ALL’s TA Score: 6 bullish, 4 bearish.
- THG’s TA Score: 6 bullish, 4 bearish.
Price Growth
ALL (@Property/Casualty Insurance) experienced а +3.14% price change this week, while THG (@Property/Casualty Insurance) price change was +3.90% for the same time period.
The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was +1.86%. For the same industry, the average monthly price growth was +9.47%, and the average quarterly price growth was +20.45%.
Reported Earning Dates
ALL is expected to report earnings on Nov 04, 2026.
THG is expected to report earnings on Feb 03, 2027.
Industries' Descriptions
@Property/Casualty Insurance (+1.86% weekly)Property and casualty companies insure against accidents of non-physical harm, such as lawsuits, damage to personal assets, car crashes and more. Progressive Corporation, Travelers Companies, Inc. and Allstate Corporation are some of the biggest providers of such products.
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ALL and
Correlation & Price change
A.I.dvisor indicates that over the last year, ALL has been closely correlated with HIG. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if ALL jumps, then HIG could also see price increases.
THG and
Correlation & Price change
A.I.dvisor indicates that over the last year, THG has been closely correlated with HIG. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if THG jumps, then HIG could also see price increases.
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