Overview Dividends

(ALL) The Allstate - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0200021014

Auto, Homeowners, Life, Health, Commercial

ALL EPS (Earnings per Share)

EPS Growth (3Y CAGR): 12.91%
EPS Trend (3Y Correlation): 60.6%

ALL Revenue

Revenue Growth (3Y CAGR): 8.71%
Revenue Trend (3Y Correlation): 97.9%

Description: ALL The Allstate September 26, 2025

The Allstate Corporation (NYSE:ALL) operates through five segments-Allstate Protection, Run-off Property-Liability, Protection Services, Allstate Health and Benefits, and Corporate & Other-offering a broad suite of property-and-casualty (P&C) and health insurance products across the United States and Canada.

Its distribution model combines a traditional agency network, contact centers, and digital channels to sell private passenger auto, homeowners, personal lines, and commercial policies, while also providing ancillary services such as telematics-based analytics (Arity), roadside assistance, identity-theft protection, and vehicle service contracts.

As of 2023, Allstate reported net written premiums of approximately $57 billion and a combined ratio near 92%, indicating underwriting profitability; the firm’s return on equity hovered around 13%, and investment income contributed roughly 15% of total earnings-both metrics are sensitive to prevailing interest-rate cycles and the frequency of natural-catastrophe losses that have risen 18% year-over-year in the U.S. P&C sector.

For a deeper, data-driven assessment of Allstate’s valuation and risk profile, you may find it worthwhile to explore the analytical tools available on ValueRay.

ALL Stock Overview

Market Cap in USD	50,907m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	1993-06-02

ALL Stock Ratings

Growth Rating	66.2%
Fundamental	88.7%
Dividend Rating	72.4%
Return 12m vs S&P 500	-13.8%
Analyst Rating	4.10 of 5

ALL Dividends

Dividend Yield 12m	2.05%
Yield on Cost 5y	4.88%
Annual Growth 5y	14.25%
Payout Consistency	96.9%
Payout Ratio	18.6%

ALL Growth Ratios

Growth Correlation 3m	-31.3%
Growth Correlation 12m	52.3%
Growth Correlation 5y	81.9%
CAGR 5y	16.98%
CAGR/Max DD 3y (Calmar Ratio)	0.62
CAGR/Mean DD 3y (Pain Ratio)	2.32
Sharpe Ratio 12m	0.17
Alpha	-5.01
Beta	0.377
Volatility	22.68%
Current Volume	1426k
Average Volume 20d	1125.8k
Stop Loss	185.7 (-3%)
Signal	-0.20

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (5.82b TTM) > 0 and > 6% of Revenue (6% = 3.97b TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA 1.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 47.65% (prev -33.23%; Δ 80.88pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.08 (>3.0%) and CFO 8.74b > Net Income 5.82b (YES >=105%, WARN >=100%)

Net Debt (7.09b) to EBITDA (8.24b) ratio: 0.86 <= 3.0 (WARN <= 3.5)

error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities)

Outstanding Shares last Quarter (267.9m) change vs 12m ago 0.30% (target <= -2.0% for YES)

Gross Margin 24.59% (prev 37.70%; Δ -13.11pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 59.05% (prev 55.65%; Δ 3.40pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 19.00 (EBITDA TTM 8.24b / Interest Expense TTM 405.0m) >= 6 (WARN >= 3)

Altman Z'' 4.44

(A) 0.27 = (Total Current Assets 31.55b - Total Current Liabilities 0.0) / Total Assets 115.89b

(B) 0.48 = Retained Earnings (Balance) 55.40b / Total Assets 115.89b

(D) 0.60 = Book Value of Equity 55.35b / Total Liabilities 91.89b

Total Rating: 4.44 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 88.69

1. Piotroski 6.0pt = 1.0

2. FCF Yield 17.66% = 5.0

3. FCF Margin 12.90% = 3.22

4. Debt/Equity 0.34 = 2.44

5. Debt/Ebitda 0.86 = 1.95

6. ROIC - WACC (= 14.68)% = 12.50

7. RoE 26.35% = 2.20

8. Rev. Trend 97.87% = 7.34

9. EPS Trend 60.64% = 3.03

What is the price of ALL shares?

As of November 01, 2025, the stock is trading at USD 191.52 with a total of 1,426,023 shares traded.
Over the past week, the price has changed by -0.86%, over one month by -10.78%, over three months by -5.31% and over the past year by +4.67%.

Is The Allstate a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, The Allstate (NYSE:ALL) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 88.69 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ALL is around 199.21 USD . This means that ALL is currently overvalued and has a potential downside of 4.02%.

Is ALL a buy, sell or hold?

The Allstate has received a consensus analysts rating of 4.10. Therefore, it is recommended to buy ALL.

Strong Buy: 9
Buy: 7
Hold: 2
Sell: 1
Strong Sell: 1

What are the forecasts/targets for the ALL price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	232.4	21.3%
Analysts Target Price	232.4	21.3%
ValueRay Target Price	218.2	13.9%

ALL Fundamental Data Overview October 27, 2025

Market Cap USD = 50.91b (50.91b USD * 1.0 USD.USD)
P/E Trailing = 9.0913
P/E Forward = 9.1491
P/S = 0.7688
P/B = 2.5133
P/EG = 1.2888
Beta = 0.377
Revenue TTM = 66.21b USD
EBIT TTM = 7.69b USD
EBITDA TTM = 8.24b USD
Long Term Debt = 8.09b USD (from longTermDebt, last quarter)
Short Term Debt = 600.0m USD (from shortLongTermDebt, last fiscal year)
Debt = 8.09b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.09b USD (from netDebt column, last quarter)
Enterprise Value = 48.36b USD (50.91b + Debt 8.09b - CCE 10.63b)
Interest Coverage Ratio = 19.00 (Ebit TTM 7.69b / Interest Expense TTM 405.0m)
FCF Yield = 17.66% (FCF TTM 8.54b / Enterprise Value 48.36b)
FCF Margin = 12.90% (FCF TTM 8.54b / Revenue TTM 66.21b)
Net Margin = 8.79% (Net Income TTM 5.82b / Revenue TTM 66.21b)
Gross Margin = 24.59% ((Revenue TTM 66.21b - Cost of Revenue TTM 49.93b) / Revenue TTM)
Gross Margin QoQ = 24.71% (prev 19.58%)
Tobins Q-Ratio = 0.42 (Enterprise Value 48.36b / Total Assets 115.89b)
Interest Expense / Debt = 1.24% (Interest Expense 100.0m / Debt 8.09b)
Taxrate = 22.35% (604.0m / 2.70b)
NOPAT = 5.97b (EBIT 7.69b * (1 - 22.35%))
Current Ratio = unknown (Total Current Assets 31.55b / Total Current Liabilities 0.0)
Debt / Equity = 0.34 (Debt 8.09b / totalStockholderEquity, last quarter 24.02b)
Debt / EBITDA = 0.86 (Net Debt 7.09b / EBITDA 8.24b)
Debt / FCF = 0.83 (Net Debt 7.09b / FCF TTM 8.54b)
Total Stockholder Equity = 22.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.02% (Net Income 5.82b / Total Assets 115.89b)
RoE = 26.35% (Net Income TTM 5.82b / Total Stockholder Equity 22.10b)
RoCE = 25.49% (EBIT 7.69b / Capital Employed (Equity 22.10b + L.T.Debt 8.09b))
RoIC = 21.20% (NOPAT 5.97b / Invested Capital 28.18b)
WACC = 6.52% (E(50.91b)/V(58.99b) * Re(7.40%) + D(8.09b)/V(58.99b) * Rd(1.24%) * (1-Tc(0.22)))
Discount Rate = 7.40% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 33.33 | Cagr: 0.60%
[DCF Debug] Terminal Value 81.16% ; FCFE base≈7.63b ; Y1≈9.22b ; Y5≈15.03b
Fair Price DCF = 973.3 (DCF Value 256.47b / Shares Outstanding 263.5m; 5y FCF grow 22.35% → 3.0% )
EPS Correlation: 60.64 | EPS CAGR: 12.91% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.87 | Revenue CAGR: 8.71% | SUE: 0.01 | # QB: 0

Additional Sources for ALL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle