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): 74.24%
EPS Trend (3Y Correlation): 82.6%

ALL Revenue

Revenue Growth (3Y CAGR): 8.90%
Revenue Trend (3Y Correlation): 97.3%

Risk via 10d forecast
Volatility	24.3%
Value at Risk 5%th	38.1%
Relative Tail Risk	-4.92%

Reward TTM
Sharpe Ratio	0.36
Alpha	1.26

Character TTM
Hurst Exponent	0.663
Beta	0.494
Beta Downside	0.592

Drawdowns 3y
Max DD	27.35%
Mean DD	7.40%
Median DD	5.19%

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	55,257m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	1993-06-02
Return 12m vs S&P 500	-2.66%
Analyst Rating	4.10 of 5

ALL Dividends

Dividend Yield	1.83%
Yield on Cost 5y	4.52%
Yield CAGR 5y	14.25%
Payout Consistency	96.9%
Payout Ratio	13.9%

ALL Growth Ratios

CAGR 3y	20.36%
CAGR/Max DD Calmar Ratio	0.74
CAGR/Mean DD Pain Ratio	2.75
Current Volume	2489.7k
Average Volume	1241k

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (8.38b TTM) > 0 and > 6% of Revenue (6% = 3.98b TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA -0.05pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -108.2% (prev -30.17%; Δ -78.01pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 8.83b > Net Income 8.38b (YES >=105%, WARN >=100%)

Net Debt (7.16b) to EBITDA (11.96b) ratio: 0.60 <= 3.0 (WARN <= 3.5)

Current Ratio 0.15 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (266.4m) change vs 12m ago -0.60% (target <= -2.0% for YES)

Gross Margin 44.02% (prev 22.23%; Δ 21.80pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 56.72% (prev 54.90%; Δ 1.82pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 27.59 (EBITDA TTM 11.96b / Interest Expense TTM 402.0m) >= 6 (WARN >= 3)

Altman Z'' -1.02

(A) -0.60 = (Total Current Assets 12.68b - Total Current Liabilities 84.51b) / Total Assets 120.40b

(B) 0.49 = Retained Earnings (Balance) 58.85b / Total Assets 120.40b

(D) 0.64 = Book Value of Equity 59.16b / Total Liabilities 92.91b

Total Rating: -1.02 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 91.36

1. Piotroski 7.0pt = 2.0

2. FCF Yield 16.09% = 5.0

3. FCF Margin 13.01% = 3.25

4. Debt/Equity 0.29 = 2.46

5. Debt/Ebitda 0.60 = 2.23

6. ROIC - WACC (= 21.92)% = 12.50

7. RoE 35.27% = 2.50

8. Rev. Trend 97.32% = 7.30

9. EPS Trend 82.56% = 4.13

What is the price of ALL shares?

As of November 15, 2025, the stock is trading at USD 214.30 with a total of 2,489,683 shares traded.
Over the past week, the price has changed by +5.94%, over one month by +2.28%, over three months by +3.19% and over the past year by +11.58%.

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 91.36 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 227.10 USD . This means that ALL is currently overvalued and has a potential downside of 5.97%.

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	236.2	10.2%
Analysts Target Price	236.2	10.2%
ValueRay Target Price	249.7	16.5%

ALL Fundamental Data Overview November 15, 2025

Market Cap USD = 55.26b (55.26b USD * 1.0 USD.USD)
P/E Trailing = 6.847
P/E Forward = 8.9286
P/S = 0.8266
P/B = 2.1466
P/EG = 1.2573
Beta = 0.258
Revenue TTM = 66.41b USD
EBIT TTM = 11.09b USD
EBITDA TTM = 11.96b USD
Long Term Debt = 8.09b USD (from longTermDebt, last quarter)
Short Term Debt = 550.0m USD (from shortTermDebt, last quarter)
Debt = 8.09b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.16b USD (from netDebt column, last quarter)
Enterprise Value = 53.67b USD (55.26b + Debt 8.09b - CCE 9.67b)
Interest Coverage Ratio = 27.59 (Ebit TTM 11.09b / Interest Expense TTM 402.0m)
FCF Yield = 16.09% (FCF TTM 8.64b / Enterprise Value 53.67b)
FCF Margin = 13.01% (FCF TTM 8.64b / Revenue TTM 66.41b)
Net Margin = 12.62% (Net Income TTM 8.38b / Revenue TTM 66.41b)
Gross Margin = 44.02% ((Revenue TTM 66.41b - Cost of Revenue TTM 37.17b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 24.37%)
Tobins Q-Ratio = 0.45 (Enterprise Value 53.67b / Total Assets 120.40b)
Interest Expense / Debt = 1.25% (Interest Expense 101.0m / Debt 8.09b)
Taxrate = 22.31% (1.07b / 4.82b)
NOPAT = 8.62b (EBIT 11.09b * (1 - 22.31%))
Current Ratio = 0.15 (Total Current Assets 12.68b / Total Current Liabilities 84.51b)
Debt / Equity = 0.29 (Debt 8.09b / totalStockholderEquity, last quarter 27.50b)
Debt / EBITDA = 0.60 (Net Debt 7.16b / EBITDA 11.96b)
Debt / FCF = 0.83 (Net Debt 7.16b / FCF TTM 8.64b)
Total Stockholder Equity = 23.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.96% (Net Income 8.38b / Total Assets 120.40b)
RoE = 35.27% (Net Income TTM 8.38b / Total Stockholder Equity 23.76b)
RoCE = 34.83% (EBIT 11.09b / Capital Employed (Equity 23.76b + L.T.Debt 8.09b))
RoIC = 28.88% (NOPAT 8.62b / Invested Capital 29.84b)
WACC = 6.96% (E(55.26b)/V(63.35b) * Re(7.84%) + D(8.09b)/V(63.35b) * Rd(1.25%) * (1-Tc(0.22)))
Discount Rate = 7.84% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 33.33 | Cagr: 0.32%
[DCF Debug] Terminal Value 81.16% ; FCFE base≈8.47b ; Y1≈10.24b ; Y5≈16.69b
Fair Price DCF = 1088 (DCF Value 284.81b / Shares Outstanding 261.7m; 5y FCF grow 22.35% → 3.0% )
EPS Correlation: 82.56 | EPS CAGR: 74.24% | SUE: 4.0 | # QB: 8
Revenue Correlation: 97.32 | Revenue CAGR: 8.90% | SUE: 0.16 | # QB: 0

Additional Sources for ALL Stock

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