Allstate (ALL) AI Stock Analysis

• Market Cap: $51.32B
• Dividend Yield: 1.94%
• Average Volume (3M): 1.30M
• Price to Earnings (P/E): 6.3
• Beta (1Y): 0.42
• Revenue Growth: 7.07%
• EPS Growth: 100.42%
• Country: US
• Employees: 55,000
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 11.17
• Shares Outstanding: 263,505,340
• 10 Day Avg. Volume: 1,264,339
• 30 Day Avg. Volume: 1,298,930
• 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: 1.31
• Enterprise Value/Revenue: 1.01
• Enterprise Value/Gross Profit: 5.61
• Enterprise Value/Ebitda: 5.85
• 1Y Price Target: $238.94
• Price Target Upside: 18.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 18
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $221.00 ▲(9.25% Upside)

Allstate's strong financial performance and attractive valuation are the most significant factors driving the score. The earnings call highlights robust growth and strategic initiatives, although technical indicators suggest a lack of momentum. Overall, the company's solid fundamentals and strategic direction position it well for future growth.

Positive Factors

Revenue Growth

Allstate's consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term stability.

Investment Income Increase

Rising investment income enhances Allstate's financial flexibility and ability to reinvest in growth opportunities.

Leadership Changes

Strategic leadership changes can drive operational efficiency and innovation, positioning Allstate for future growth.

Negative Factors

Increased Claims in Protection Plans

Rising claims in protection plans could pressure Allstate's profitability, affecting long-term financial performance.

Regulatory Challenges

Regulatory hurdles in key markets like New York and New Jersey can limit Allstate's growth and market expansion.

Catastrophe Losses

High catastrophe losses can strain resources and impact Allstate's financial resilience, posing long-term risks.

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 a solid financial performance with strong profitability and growth in the income statement, a stable financial structure with low leverage in the balance sheet, and excellent cash generation capabilities in the cash flow statement. However, there are areas for improvement, such as the gross profit margin and missing equity ratio data.

Income Statement

Allstate's income statement shows a strong recovery with a TTM revenue growth rate of 1.37% and a net profit margin of 8.79%. The company has improved its profitability significantly from previous years, with a notable increase in EBIT and EBITDA margins. However, the gross profit margin has decreased compared to previous periods, indicating potential cost pressures.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.34 in the TTM period, indicating prudent leverage management. Return on equity has improved to 26.35%, showcasing effective use of equity to generate profits. However, the equity ratio is not provided, which limits a full assessment of asset financing.

Cash Flow

Allstate's cash flow statement is robust, with a strong free cash flow growth rate of 8.21% in the TTM period. The operating cash flow to net income ratio is not provided, but the free cash flow to net income ratio is high at 97.50%, indicating efficient cash generation relative to net income. This strong cash flow performance supports the company's financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	66.41B	63.52B	56.59B	50.62B	48.68B	41.93B
Gross Profit	11.98B	14.50B	7.17B	5.68B	12.03B	13.27B
EBITDA	11.50B	6.72B	735.00M	-648.00M	7.88B	7.81B
Net Income	8.38B	4.67B	-188.00M	-1.29B	1.61B	5.58B
Balance Sheet
Total Assets	120.40B	111.62B	103.36B	97.99B	99.44B	125.99B
Cash, Cash Equivalents and Short-Term Investments	931.00M	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	92.91B	90.25B	85.73B	80.63B	74.31B	95.77B
Stockholders Equity	27.50B	21.44B	17.77B	17.49B	25.18B	30.22B
Cash Flow
Free Cash Flow	11.35B	8.72B	3.96B	4.70B	4.77B	5.18B
Operating Cash Flow	11.57B	8.93B	4.23B	5.12B	5.12B	5.49B
Investing Cash Flow	-6.98B	-8.25B	-3.00B	-1.73B	510.00M	-3.44B
Financing Cash Flow	-1.85B	-697.00M	-1.24B	-3.42B	-5.24B	-2.01B

Allstate Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 202.29
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 202.29 is above the 20-day moving average (MA) of 195.77, above the 50-day MA of 201.87, and above the 200-day MA of 198.37, indicating a bullish trend. The MACD of -1.91 indicates Negative momentum. The RSI at 57.99 is Neutral, neither overbought nor oversold. The STOCH value of 77.73 is Neutral, 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
CB	78 Outperform	$111.39B	11.82	14.06%	1.31%	6.68%	-1.78%
TRV	78 Outperform	$61.62B	10.86	19.81%	1.54%	6.75%	30.83%
ALL	77 Outperform	$51.32B	6.31	34.63%	1.94%	7.07%	100.42%
HIG	74 Outperform	$35.65B	10.45	20.07%	1.66%	7.11%	22.52%
PGR	74 Outperform	$122.91B	11.49	34.23%	2.26%	18.35%	32.36%
CINF	74 Outperform	$25.18B	12.01	14.53%	2.08%	-0.63%	-30.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Allstate Corporate Events

Allstate Corp’s Earnings Call Highlights Robust Growth

Allstate Corp’s recent earnings call paints a picture of robust financial health, marked by significant growth in revenue, profit, and investment income. While the company faces challenges in certain segments, such as increased claims in protection plans and regulatory hurdles in New York and New Jersey, its strategic initiatives and cost reduction efforts are driving growth. The focus on leveraging technology for future expansion is a key highlight of the call.

Allstate Reports September 2025 Catastrophe Losses

Allstate has announced its estimated catastrophe losses and policies in force for September 2025. This release provides insights into the company’s financial performance and operational impact, reflecting its ongoing commitment to transparency with stakeholders.

The most recent analyst rating on (ALL) stock is a Buy with a $223.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.

Allstate Announces Major Leadership Changes Effective October 2025

Allstate Corporation announced significant changes to its senior leadership team, effective October 1, 2025. Mario Rizzo will become the Chief Operating Officer, Jesse E. Merten will succeed him as President of Property-Liability, and John E. Dugenske will serve as interim Chief Financial Officer while maintaining his role as President of Investments and Corporate Strategy. These leadership changes are expected to impact the company’s operations and strategic direction, with adjustments in executive compensation reflecting their new roles.

The most recent analyst rating on (ALL) stock is a Hold with a $233.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.

Allstate Reports August 2025 Catastrophe Losses

In August 2025, Allstate released its 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, potentially affecting its market positioning and operational strategies.

The most recent analyst rating on (ALL) stock is a Buy with a $221.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.

Allstate Releases July 2025 Catastrophe Loss Report

In July 2025, Allstate released its monthly report detailing estimated catastrophe losses and policies in force, which is available on their investor website. This announcement provides insights into the company’s financial health and operational status, potentially impacting its market position and stakeholder interests.

The most recent analyst rating on (ALL) stock is a Buy with a $235.00 price target. To see the full list of analyst forecasts on Allstate stock, see the ALL Stock Forecast page.