Allstate (ALL) AI Stock Analysis

• Market Cap: $54.49B
• Dividend Yield: 1.86%
• Average Volume (3M): 1.67M
• Price to Earnings (P/E): 9.7
• Beta (1Y): 0.47
• Revenue Growth: 9.81%
• EPS Growth: 94.71%
• Country: US
• Employees: 55,000
• Sector: Financial
• Sector Strength: 71
• Industry: Insurance - Property & Casualty
• EPS (TTM): 5.94
• Shares Outstanding: 263,505,340
• 10 Day Avg. Volume: 1,879,814
• 30 Day Avg. Volume: 1,668,055
• PEG Ratio: >-0.01
• Price to Book (P/B): 2.38
• Price to Sales (P/S): 0.79
• P/FCF Ratio: 5.84
• Enterprise Value/Market Cap: 1.17
• Enterprise Value/Revenue: 0.97
• Enterprise Value/Gross Profit: 3.93
• Enterprise Value/Ebitda: 7.76
• 1Y Price Target: $232.69
• Price Target Upside: 12.52% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 15

• Rating: 77 Outperform
• Price Target: $235.00 ▲(13.64% Upside)

Allstate's strong financial performance and positive earnings call sentiment are the most significant factors contributing to its score. The company's strategic growth initiatives and solid financial health position it well for future success. Technical analysis and valuation also support the positive outlook, though there are some short-term cautionary signals in the technical indicators.

Positive Factors

Earnings

Allstate’s second-quarter operating EPS of $5.94 beat consensus, driven by core loss ratio outperformance across both the auto and homeowners book.

Growth Opportunities

Allstate has ample opportunities for growth across product lines, which is expected to drive high-single-digit growth in the top line.

Profitability

Auto insurance profitability continues to advance, marking the eighth consecutive quarter of improved auto underwriting performance.

Negative Factors

Competition

The broader auto insurance market is seen as largely a zero-sum game, as more carriers start to look for growth and competition will likely intensify.

Growth Estimates

Allstate's 30bps April PIF miss vs. our estimate drives our 2025 growth estimate lower, to +2.6% (from +2.9%).

Market Dynamics

Many carriers will likely ramp up advertising and distribution expenses, while loosening up underwriting standards.

Allstate Business Overview & Revenue Model

Company Description

Allstate Corporation (ALL) is a leading American insurance company headquartered in Northfield Township, Illinois. It operates primarily in the property and casualty insurance sector, providing a wide range of insurance products including auto, home, renters, and life insurance. The company serves millions of customers across the United States and Canada through its extensive network of agents and digital platforms. Allstate is committed to offering financial services that help protect people from life's uncertainties and support them in their recovery from losses.

How the Company Makes Money

Allstate generates revenue primarily through the sale of insurance premiums from its various products, particularly in auto and home insurance. The company collects premiums upfront from policyholders, which are then invested in a diversified portfolio of assets to generate investment income. Key revenue streams include underwriting profits from the difference between premiums collected and claims paid out, as well as investment income from its investment portfolio. Additionally, Allstate has partnerships with various agents and brokers, which help expand its market reach and customer base. The company also engages in risk management strategies and offers financial products, such as retirement and savings solutions, further contributing to its earnings.

Allstate Financial Statement Overview

Summary

Allstate demonstrates solid revenue growth and effective cash flow management, positioning the company well within the insurance industry. While profitability margins have faced some pressure, the company maintains a stable balance sheet with manageable leverage. Continued focus on improving profitability will be crucial for sustaining long-term growth.

Income Statement

The company shows a solid revenue growth trend, evidenced by a 20.89% increase from 2023 to 2024 and a 1.87% rise into the TTM. Gross Profit Margin is strong at nearly 100%, indicating effective cost management. However, the decline in EBIT Margin from 9.71% in 2022 to 8.05% in the TTM reflects potential profitability pressure. Net Profit Margin also decreased, suggesting challenges in maintaining net income levels.

Balance Sheet

The Debt-to-Equity Ratio is 0.37, showing a manageable level of leverage. The Equity Ratio stands at 19.14%, suggesting a stable equity position. However, Return on Equity has been volatile, with negative ROE in 2022 and a rebound to 18.33% in the TTM, indicating fluctuating profitability.

Cash Flow

Free Cash Flow has grown consistently, with a 14.5% increase from 2022 to 2023, and further growth into the TTM. The Operating Cash Flow to Net Income ratio is strong, indicating robust cash generation relative to earnings. The Free Cash Flow to Net Income ratio is similarly healthy, supporting future growth and investment.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	66.21B	64.11B	57.09B	51.60B	50.65B	41.93B
Gross Profit	16.28B	15.10B	7.67B	6.66B	14.01B	13.27B
EBITDA	8.24B	6.72B	735.00M	-648.00M	7.88B	7.81B
Net Income	5.82B	4.67B	-188.00M	-1.29B	1.61B	5.58B
Balance Sheet
Total Assets	115.89B	111.62B	103.36B	97.99B	99.44B	125.99B
Cash, Cash Equivalents and Short-Term Investments	10.63B	5.24B	5.87B	4.91B	4.77B	7.12B
Total Debt	8.09B	8.09B	7.94B	7.96B	7.98B	7.83B
Total Liabilities	91.89B	90.25B	85.73B	80.63B	74.31B	95.77B
Stockholders Equity	24.02B	21.44B	17.77B	17.49B	25.18B	30.22B
Cash Flow
Free Cash Flow	9.70B	8.72B	3.96B	4.70B	4.77B	5.18B
Operating Cash Flow	9.95B	8.93B	4.23B	5.12B	5.12B	5.49B
Investing Cash Flow	-6.68B	-8.25B	-3.00B	-1.73B	510.00M	-3.44B
Financing Cash Flow	-2.37B	-697.00M	-1.24B	-3.42B	-5.24B	-2.01B

Allstate Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 206.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ALL, the sentiment is Positive. The current price of 206.8 is above the 20-day moving average (MA) of 197.98, above the 50-day MA of 198.71, and above the 200-day MA of 195.43, indicating a bullish trend. The MACD of 2.47 indicates Negative momentum. The RSI at 59.59 is Neutral, neither overbought nor oversold. The STOCH value of 84.14 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ALL.

Allstate Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WRB	82 Outperform	$26.79B	16.08	20.63%	2.24%	11.41%	15.32%
PGR	78 Outperform	$144.51B	13.88	37.29%	1.99%	21.50%	51.86%
TRV	78 Outperform	$59.63B	11.71	19.29%	1.60%	8.54%	43.51%
ALL	77 Outperform	$54.49B	9.72	27.33%	1.86%	9.81%	94.71%
CB	77 Outperform	$108.14B	11.97	14.10%	1.36%	6.74%	-4.05%
CINF	77 Outperform	$23.48B	13.02	13.44%	2.24%	9.64%	-15.08%
Sector *	67 Neutral	$17.26B	11.31	10.49%	3.95%	10.54%	1.63%

Allstate Corporate Events

Allstate Releases June 2025 Catastrophe Loss Report

Allstate has released its June 2025 monthly report detailing estimated catastrophe losses and policies in force, which is available on their investor website. This announcement provides stakeholders with insights into the company’s financial impact from recent events and its operational status.

The most recent analyst rating on (ALL) stock is a Buy with a $200.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.

Allstate Completes Sale of Group Health Business

On July 1, 2025, Allstate announced the completion of the sale of its group health business, a move that was previously disclosed. This transaction marks a significant shift in Allstate’s operational focus, potentially impacting its market positioning and stakeholder interests.

The most recent analyst rating on (ALL) stock is a Buy with a $200.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.

Allstate Reports May 2025 Catastrophe Losses

In May 2025, Allstate released its monthly report detailing estimated catastrophe losses and the number of policies in force. This announcement is significant as it provides insights into the company’s financial health and operational resilience, which are crucial for stakeholders assessing Allstate’s market positioning and future prospects.

The most recent analyst rating on (ALL) stock is a Buy with a $200.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.

Allstate Holds Annual Stockholders Meeting on Governance

On May 29, 2025, Allstate held its annual stockholders meeting, where key decisions were made regarding the company’s governance and financial oversight. Thirteen directors were elected for terms expiring at the 2026 meeting, and the compensation of named executives was approved by a majority vote. Additionally, Deloitte & Touche LLP was ratified as the independent registered public accountant for 2025, reflecting continued confidence in their financial auditing capabilities.

The most recent analyst rating on (ALL) stock is a Buy with a $200.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.

Allstate Releases April 2025 Catastrophe Loss Report

In April 2025, Allstate released its monthly report detailing estimated catastrophe losses and the number of policies in force. This announcement is crucial for stakeholders as it provides insights into the company’s financial health and operational resilience in the face of catastrophic events.

The most recent analyst rating on (ALL) stock is a Buy with a $200.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.