Allstate (ALL) AI Stock Analysis

• Market Cap: $54.95B
• Dividend Yield: 1.91%
• Average Volume (3M): 1.38M
• Price to Earnings (P/E): 6.8
• Beta (1Y): 0.36
• 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: 261,681,700
• 10 Day Avg. Volume: 1,463,720
• 30 Day Avg. Volume: 1,381,508
• PEG Ratio: >-0.01
• Price to Book (P/B): 2.38
• Price to Sales (P/S): 0.80
• P/FCF Ratio: 5.84
• Enterprise Value/Market Cap: 1.22
• Enterprise Value/Revenue: 1.02
• Enterprise Value/Gross Profit: 3.69
• Enterprise Value/Ebitda: 5.79
• 1Y Price Target: $242.67
• Price Target Upside: 16.16% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 16
• EPS Forecast (FY): 28.53
• Revenue Forecast (FY): $59.35B

• Rating: 83 Outperform
• Price Target: $244.00 ▲(16.80% Upside)

Allstate's strong financial performance and attractive valuation are the primary drivers of its high score. The company's robust earnings call highlights strategic growth initiatives and technological advancements, further enhancing its outlook. While technical indicators show positive momentum, caution is advised due to potential overbought conditions.

Positive Factors

Revenue Growth

The significant increase in revenue and policies in force indicates robust market expansion and customer acquisition, strengthening Allstate's market position.

Technological Advancements

The integration of AI and technology initiatives enhances operational efficiency and customer service, providing a competitive edge in the insurance industry.

Investment Income Growth

The growth in investment income supports financial stability and provides additional resources for strategic initiatives, enhancing long-term profitability.

Negative Factors

Regulatory Challenges

Regulatory hurdles in key states can limit product offerings and policy count growth, potentially hindering market expansion and revenue growth.

Increased Claims Impact

Rising claims in protection plans can pressure margins and profitability, necessitating effective risk management and pricing strategies.

Nonstandard Auto Insurance Retention

While economically attractive, nonstandard auto insurance growth may affect customer retention, challenging long-term customer base stability.

Allstate Business Overview & Revenue Model

Company Description

The Allstate Corporation, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. The company operates through Allstate Protection; Protection Services; Allstate Health and Benefits; and Run-off Property-Liability segments. The Allstate Protection segment offers private passenger auto and homeowners insurance; specialty auto products, including motorcycle, trailer, motor home, and off-road vehicle insurance; other personal lines products, such as renter, condominium, landlord, boat, umbrella, and manufactured home and stand-alone scheduled personal property; and commercial lines products under the Allstate and Encompass brand names. The Protection Services segment provides consumer product protection plans and related technical support for mobile phones, consumer electronics, furniture, and appliances; finance and insurance products, including vehicle service contracts, guaranteed asset protection waivers, road hazard tire and wheel, and paint and fabric protection; roadside assistance; device and mobile data collection services; data and analytic solutions using automotive telematics information; and identity protection services. This segment offers its products under various brands including Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside Services, Arity, and Allstate Identity Protection. The Allstate Health and Benefits provides life, accident, critical illness, short-term disability, and other health insurance products. The Run-off Property-Liability offers property and casualty insurance. It sells its products through call centers, agencies, financial specialists, independent agents, brokers, wholesale partners, and affinity groups, as well as through online and mobile applications. The Allstate Corporation was founded in 1931 and is based in Northbrook, Illinois.

How the Company Makes Money

Allstate generates revenue primarily through its insurance premiums collected from policyholders. The company uses a model where it assesses risk and sets premium prices accordingly, allowing it to earn income from underwriting insurance policies. Additionally, Allstate invests a significant portion of the premium income in various securities and assets, generating investment income. Key revenue streams include auto insurance, homeowner's insurance, and life insurance premiums. The company also earns fees from services related to insurance products and has partnerships with various financial institutions for cross-selling opportunities, enhancing its overall revenue generation.

Allstate Financial Statement Overview

Summary

Allstate demonstrates strong financial health with significant revenue growth and improved profitability. The balance sheet is stable with prudent leverage, and cash flow generation is robust. However, attention should be paid to the declining gross profit margin, which could impact future profitability.

Income Statement

Allstate's income statement shows strong performance with a significant revenue growth rate of 85.9% in the TTM period, indicating robust expansion. The net profit margin improved to 12.62%, reflecting enhanced profitability. However, the gross profit margin decreased compared to previous years, suggesting potential cost pressures.

Balance Sheet

The balance sheet is solid with a manageable debt-to-equity ratio of 0.29, indicating prudent leverage. Return on equity is impressive at 35.27%, showcasing effective use of equity to generate profits. The equity ratio stands at 22.84%, reflecting a stable financial structure. However, the decrease in gross profit margin could be a concern for future profitability.

Cash Flow

Cash flow analysis reveals a strong free cash flow growth rate of 114.8% in the TTM period, highlighting excellent cash generation capabilities. The free cash flow to net income ratio is high at 97.86%, indicating efficient conversion of income into cash. However, the operating cash flow to net income ratio is not available, which limits a complete assessment.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	66.21B	63.52B	56.59B	50.62B	48.68B	41.69B
Gross Profit	18.22B	14.50B	7.17B	5.68B	12.03B	13.03B
EBITDA	11.62B	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	9.67B	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	8.64B	8.72B	3.96B	4.70B	4.77B	5.18B
Operating Cash Flow	8.83B	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: 208.91
• 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 208.91 is above the 20-day moving average (MA) of 207.23, above the 50-day MA of 203.72, and above the 200-day MA of 199.27, indicating a bullish trend. The MACD of 3.10 indicates Negative momentum. The RSI at 55.67 is Neutral, neither overbought nor oversold. The STOCH value of 26.03 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
ALL	83 Outperform	$54.95B	6.80	34.63%	1.91%	7.07%	100.42%
HIG	82 Outperform	$37.76B	11.07	20.07%	1.59%	7.11%	22.52%
CINF	81 Outperform	$25.90B	12.36	14.53%	2.12%	-0.63%	-30.68%
CB	80 Outperform	$115.66B	12.27	14.06%	1.27%	6.68%	-1.78%
PGR	78 Outperform	$133.59B	12.48	34.23%	2.14%	18.35%	32.36%
TRV	78 Outperform	$64.80B	11.42	19.81%	1.49%	6.75%	30.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Allstate Corporate Events

Allstate Corp Reports Strong Q3 2025 Earnings

Allstate Corporation, a leading provider of insurance products and services, operates primarily in the property and casualty insurance sector, offering protection for autos, homes, electronic devices, and identities through a broad distribution network.

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.