(ALL) The Allstate - Overview
Stock: Auto, Homeowners, Commercial, Life, Health
| Risk 5d forecast | |
|---|---|
| Volatility | 25.3% |
| Relative Tail Risk | -4.77% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.52 |
| Alpha | 4.35 |
| Character TTM | |
|---|---|
| Beta | 0.418 |
| Beta Downside | 0.502 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.58% |
| CAGR/Max DD | 0.82 |
EPS (Earnings per Share)
Revenue
Description: ALL The Allstate January 28, 2026
The Allstate Corporation (NYSE:ALL) is a diversified insurer operating in the United States and Canada through five business segments: Allstate Protection, Run-off Property-Liability, Protection Services, Allstate Health & Benefits, and Corporate & Other. Its product suite spans private-passenger auto, homeowners, personal-line and commercial P&C policies, as well as health-related coverages, identity-theft protection, telematics-driven analytics, and roadside assistance services, delivered via agents, contact centers and digital channels.
In the most recent quarter (Q3 2024), Allstate reported net written premiums of **$12.5 billion**, a **combined ratio of 92.3 %** (indicating underwriting profitability), and an operating profit of **$1.2 billion**, delivering a **return on equity of 11.5 %**. Investment income rose to **4.2 % yield**, up from 3.1 % a year earlier, reflecting the higher interest-rate environment.
Key drivers of Allstate’s outlook include: (1) **Rising interest rates**, which boost investment yields but also increase policyholder borrowing costs; (2) **Elevated auto-insurance claim frequency** linked to more severe weather events and higher vehicle repair costs, pressuring loss ratios; and (3) **Accelerating adoption of telematics**, with a 15 % YoY increase in connected-car data usage, enhancing risk selection and pricing precision.
For a deeper quantitative assessment of Allstate’s valuation dynamics, a quick look at ValueRay’s analytical dashboard can help surface additional risk-adjusted metrics.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 10.28b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.15 > 1.0 |
| NWC/Revenue: -62.64% < 20% (prev -34.51%; Δ -28.13% < -1%) |
| CFO/TA 0.07 > 3% & CFO 8.83b > Net Income 10.28b |
| Net Debt (7.41b) to EBITDA (13.93b): 0.53 < 3 |
| Current Ratio: 0.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (264.7m) vs 12m ago -1.49% < -2% |
| Gross Margin: 33.23% > 18% (prev 0.23%; Δ 3300 % > 0.5%) |
| Asset Turnover: 57.45% > 50% (prev 56.90%; Δ 0.54% > 0%) |
| Interest Coverage Ratio: 21.41 > 6 (EBITDA TTM 13.93b / Interest Expense TTM 399.0m) |
Altman Z'' 0.65
| A: -0.35 (Total Current Assets 30.94b - Total Current Liabilities 72.57b) / Total Assets 119.76b |
| B: 0.52 (Retained Earnings 62.39b / Total Assets 119.76b) |
| C: 0.07 (EBIT TTM 8.54b / Avg Total Assets 115.69b) |
| D: 0.70 (Book Value of Equity 62.40b / Total Liabilities 89.15b) |
| Altman-Z'' Score: 0.65 = B |
Beneish M
| DSRI: none (Receivables none/19.54b, Revenue 66.46b/63.52b) |
| GMI: 0.69 (GM 33.23% / 22.83%) |
| AQI: 0.95 (AQ_t 0.74 / AQ_t-1 0.77) |
| SGI: 1.05 (Revenue 66.46b / 63.52b) |
| TATA: 0.01 (NI 10.28b - CFO 8.83b) / TA 119.76b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of ALL shares?
Over the past week, the price has changed by +5.55%, over one month by +9.70%, over three months by +1.97% and over the past year by +14.57%.
Is ALL a buy, sell or hold?
- StrongBuy: 9
- Buy: 7
- Hold: 2
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the ALL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 240.1 | 13.1% |
| Analysts Target Price | 240.1 | 13.1% |
ALL Fundamental Data Overview February 18, 2026
P/E Forward = 8.489
P/S = 0.8209
P/B = 1.8866
P/EG = 0.4638
Revenue TTM = 66.46b USD
EBIT TTM = 8.54b USD
EBITDA TTM = 13.93b USD
Long Term Debt = 7.49b USD (from longTermDebt, last quarter)
Short Term Debt = 550.0m USD (from shortTermDebt, two quarters ago)
Debt = 8.09b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 7.41b USD (calculated as Total Debt 8.09b - CCE 678.0m)
Enterprise Value = 62.97b USD (55.56b + Debt 8.09b - CCE 678.0m)
Interest Coverage Ratio = 21.41 (Ebit TTM 8.54b / Interest Expense TTM 399.0m)
EV/FCF = 7.29x (Enterprise Value 62.97b / FCF TTM 8.64b)
FCF Yield = 13.72% (FCF TTM 8.64b / Enterprise Value 62.97b)
FCF Margin = 13.00% (FCF TTM 8.64b / Revenue TTM 66.46b)
Net Margin = 15.47% (Net Income TTM 10.28b / Revenue TTM 66.46b)
Gross Margin = 33.23% ((Revenue TTM 66.46b - Cost of Revenue TTM 44.37b) / Revenue TTM)
Gross Margin QoQ = 52.96% (prev 36.57%)
Tobins Q-Ratio = 0.53 (Enterprise Value 62.97b / Total Assets 119.76b)
Interest Expense / Debt = 1.21% (Interest Expense 98.0m / Debt 8.09b)
Taxrate = 22.14% (1.09b / 4.92b)
NOPAT = 6.65b (EBIT 8.54b * (1 - 22.14%))
Current Ratio = 0.43 (Total Current Assets 30.94b / Total Current Liabilities 72.57b)
Debt / Equity = 0.26 (Debt 8.09b / totalStockholderEquity, last quarter 30.61b)
Debt / EBITDA = 0.53 (Net Debt 7.41b / EBITDA 13.93b)
Debt / FCF = 0.86 (Net Debt 7.41b / FCF TTM 8.64b)
Total Stockholder Equity = 26.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.89% (Net Income 10.28b / Total Assets 119.76b)
RoE = 39.49% (Net Income TTM 10.28b / Total Stockholder Equity 26.04b)
RoCE = 25.48% (EBIT 8.54b / Capital Employed (Equity 26.04b + L.T.Debt 7.49b))
RoIC = 21.73% (NOPAT 6.65b / Invested Capital 30.61b)
WACC = 6.63% (E(55.56b)/V(63.65b) * Re(7.46%) + D(8.09b)/V(63.65b) * Rd(1.21%) * (1-Tc(0.22)))
Discount Rate = 7.46% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 85.64% ; FCFF base≈8.47b ; Y1≈10.24b ; Y5≈16.66b
Fair Price DCF = 1467 (EV 389.06b - Net Debt 7.41b = Equity 381.65b / Shares 260.1m; r=6.63% [WACC]; 5y FCF grow 22.35% → 2.90% )
EPS Correlation: 75.10 | EPS CAGR: 57.91% | SUE: 3.14 | # QB: 9
Revenue Correlation: 97.14 | Revenue CAGR: 8.22% | SUE: -0.92 | # QB: 0
EPS next Quarter (2026-03-31): EPS=6.98 | Chg30d=+0.123 | Revisions Net=+8 | Analysts=20
EPS current Year (2026-12-31): EPS=25.21 | Chg30d=+0.979 | Revisions Net=+17 | Growth EPS=-27.6% | Growth Revenue=+6.2%
EPS next Year (2027-12-31): EPS=25.11 | Chg30d=+0.626 | Revisions Net=+16 | Growth EPS=-0.4% | Growth Revenue=+5.0%