ALL Stock Analysis: The Allstate | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 65.864m USD | 12M Return: 28.8% | US0200021014 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 424M
Qual. Beats: 11
Rev. Trend: 97.9%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Allstate Corporation is a major U.S. property and casualty insurer that operates through four reportable segments: Allstate Protection, Run-off Property-Liability, Protection Services, and Corporate and Other. Its core underwriting business spans private passenger auto, homeowners, other personal lines, and commercial insurance. The company distributes products through a multi-channel model, including exclusive agents, independent agents, contact centers, and online platforms, operating under the Allstate, National General, Direct Auto, and Answer Financial brands.
Beyond traditional insurance, Allstate has expanded into consumer product protection, automotive telematics, roadside assistance, identity protection, and vehicle service contracts, including offerings like guaranteed asset protection and paintless dent repair. The company is headquartered in Northbrook, Illinois, and was founded in 1931, with its shares listed on the NYSE since 1993.
As a large-cap Financials company within the Property & Casualty Insurance sub-industry, Allstate is part of a sector whose profitability is heavily influenced by underwriting cycles, catastrophe losses, and investment income from premium reserves. P&C insurers commonly track underwriting performance using the combined ratio, a measure of claims and expenses relative to earned premiums, and they earn additional revenue by investing the float between premium collection and claims payment.
- Auto rate hikes lift premiums and underwriting margins
- Severe weather catastrophes pressure combined ratio
- Elevated rates boost investment portfolio income
| Net Income: 13.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 2.45 > 1.0 |
| NWC/Revenue: -78.50% < 20% (prev -61.84%; Δ -16.66% < -1%) |
| CFO/TA 0.10 > 3% & CFO 12.5b > Net Income 13.3b |
| Net Debt (1.78b) to EBITDA (17.7b): 0.10 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (259.1m) vs 12m ago -3.28% < -2% |
| Gross Margin: 42.16% > 18% (prev 23.94%; Δ 18.22% > 0.5%) |
| Asset Turnover: 57.50% > 50% (prev 56.64%; Δ 0.86% > 0%) |
| Interest Coverage Ratio: 44.27 > 6 (EBIT TTM 17.4b / Interest Expense TTM 393.0m) |
| A: -0.44 (Total Current Assets 17.6b - Total Current Liabilities 71.9b) / Total Assets 125b |
| B: 0.54 (Retained Earnings 67.5b / Total Assets 125b) |
| C: 0.14 (EBIT TTM 17.4b / Avg Total Assets 120b) |
| D: 0.37 (Book Value of Equity 33.7b / Total Liabilities 91.1b) |
| Altman-Z'' = 0.27 = B |
| DSRI: 0.54 (Receivables 11.9b/20.9b, Revenue 69.2b/65.6b) |
| GMI: 0.57 (GM 23.94% / 42.16%) |
| AQI: 1.18 (AQ_t 0.85 / AQ_t-1 0.72) |
| SGI: 1.05 (Revenue 69.2b / 65.6b) |
| TATA: 0.01 (NI 13.3b - CFO 12.5b) / TA 125b) |
| Beneish M = -3.65 (Cap -4..+1) = AAA |
As of August 17, 2026, the stock is trading at USD 261.41 with a total of 752,535 shares traded. Over the past week, the price has changed by -2.09%, over one month by +8.08%, over three months by +18.80% and over the past year by +28.77%.
Current recommended Stop Loss: 250.60 (which is 4.1% or 1.5 ATR below the current price).
The Allstate has received a consensus analysts rating of 3.84. Therefore, it is recommended to buy ALL.
- StrongBuy: 10
- Buy: 3
- Hold: 10
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 270.3 | 3.4% |
P/E Trailing = 5.2159
P/E Forward = 10.661
P/S = 0.9391
P/B = 2.1513
P/EG = 3.2312
Revenue TTM = 69.2b USD
EBIT TTM = 17.4b USD
EBITDA TTM = 17.7b USD
Long Term Debt = 7.49b USD (from longTermDebt, last quarter)
Short Term Debt = 550.0m USD (from shortTermDebt, last fiscal year)
Debt = 7.49b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.78b USD (calculated: Debt 7.49b - CCE 5.71b)
Enterprise Value = 67.6b USD (65.9b + Debt 7.49b - CCE 5.71b)
Interest Coverage Ratio = 44.27 (Ebit TTM 17.4b / Interest Expense TTM 393.0m)
EV/FCF = 5.52x (Enterprise Value 67.6b / FCF TTM 12.2b)
FCF Yield = 18.11% (FCF TTM 12.2b / Enterprise Value 67.6b)
FCF Margin = 17.70% (FCF TTM 12.2b / Revenue TTM 69.2b)
Net Margin = 19.24% (Net Income TTM 13.3b / Revenue TTM 69.2b)
Gross Margin = 42.16% ((Revenue TTM 69.2b - Cost of Revenue TTM 40.0b) / Revenue TTM)
Gross Margin QoQ = 34.75% (prev 45.33%)
Tobins Q-Ratio = 0.54 (Enterprise Value 67.6b / Total Assets 125b)
Interest Expense / Debt = 5.25% (Interest Expense 393.0m / Debt 7.49b)
Taxrate = 21.69% (3.68b / 17.0b)
NOPAT = 13.6b (EBIT 17.4b * (1 - 21.69%))
Current Ratio = 0.24 (Total Current Assets 17.6b / Total Current Liabilities 71.9b)
Debt / Equity = 0.22 (Debt 7.49b / totalStockholderEquity, last quarter 33.7b)
Debt / EBITDA = 0.10 (Net Debt 1.78b / EBITDA 17.7b)
Debt / FCF = 0.15 (Net Debt 1.78b / FCF TTM 12.2b)
Total Stockholder Equity = 30.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 11.06% (Net Income 13.3b / Total Assets 125b)
RoE = 43.14% (Net Income TTM 13.3b / Total Stockholder Equity 30.9b)
RoCE = 45.38% (EBIT 17.4b / Capital Employed (Equity 30.9b + L.T.Debt 7.49b))
RoIC = 27.28% (NOPAT 13.6b / Invested Capital 50.0b)
WACC = 5.26% (E(65.9b)/V(73.4b) * Re(5.39%) + D(7.49b)/V(73.4b) * Rd(5.25%) * (1-Tc(0.22)))
Discount Rate = 5.39% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -74.50 | Cagr: -1.24%
[DCF] Terminal Value 77.97% ; FCFF base≈10.8b ; Y1≈12.3b ; Y5≈18.2b
[DCF] Fair Price = 1.07k (EV 273b - Net Debt 1.78b = Equity 272b / Shares 252.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 2.27 | # QB: 11
Revenue Correlation: 97.95 | Revenue CAGR: 7.87% | SUE: 1.20 | # QB: 1
EPS current Quarter (2026-09-30): EPS=6.37 | Chg30d=+7.16% | Revisions=+47% | Analysts=20
EPS current Year (2026-12-31): EPS=34.04 | Chg30d=+10.99% | Revisions=+72% | GrowthEPS=-2.3% | GrowthRev=+3.3%
EPS next Year (2027-12-31): EPS=27.44 | Chg30d=+3.71% | Revisions=+57% | GrowthEPS=-19.4% | GrowthRev=+3.9%
[Analyst] Revisions Ratio: +67% (up=46, down=8)