(ALL) The Allstate - Ratings and Ratios
Auto, Home, Life, Health, Protection
Dividends
| Dividend Yield | 1.91% |
| Yield on Cost 5y | 4.21% |
| Yield CAGR 5y | 14.25% |
| Payout Consistency | 95.4% |
| Payout Ratio | 14.1% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 22.8% |
| Value at Risk 5%th | 35.5% |
| Relative Tail Risk | -5.45% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.30 |
| Alpha | 2.36 |
| CAGR/Max DD | 0.70 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.477 |
| Beta | 0.477 |
| Beta Downside | 0.608 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.35% |
| Mean DD | 7.41% |
| Median DD | 5.29% |
Description: ALL The Allstate December 03, 2025
The Allstate Corporation (NYSE:ALL) is a diversified insurer operating primarily in the United States and Canada, offering property-and-casualty (P&C) and a suite of health-related insurance products through agents, contact centers, and digital channels.
Its business is organized into five segments: Allstate Protection (personal lines), Run-off Property-Liability (legacy policies), Protection Services (auto-telematics, roadside assistance, identity protection), Allstate Health & Benefits (group and individual health plans), and Corporate & Other (administrative functions).
Key recent metrics show Allstate generated $45.8 billion in net written premiums in 2023, achieved a combined ratio of 94.5% (indicating underwriting profitability), and delivered a return on equity of roughly 13%, reflecting solid capital efficiency relative to the P&C industry average of ~10%.
Sector-wide drivers that will likely influence Allstate’s performance include: (1) higher interest rates, which enhance investment income but also raise the cost of claims through inflation-driven repair and medical expenses; (2) evolving auto-insurance dynamics such as the rollout of telematics and the shift toward electric vehicles, which affect loss frequency and severity; and (3) increasing climate-related loss exposure, prompting insurers to tighten underwriting standards and adjust pricing in high-risk regions.
For a deeper quantitative assessment, you might explore ValueRay’s detailed valuation models for Allstate.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (8.38b TTM) > 0 and > 6% of Revenue (6% = 3.97b TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA -0.05pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 46.73% (prev -30.41%; Δ 77.13pp) (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 (11.62b) ratio: 0.62 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (266.4m) change vs 12m ago -0.60% (target <= -2.0% for YES) |
| Gross Margin 27.52% (prev 21.61%; Δ 5.91pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 56.56% (prev 54.46%; Δ 2.09pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 27.59 (EBITDA TTM 11.62b / Interest Expense TTM 402.0m) >= 6 (WARN >= 3) |
Altman Z'' 4.58
| (A) 0.26 = (Total Current Assets 30.94b - Total Current Liabilities 0.0) / Total Assets 120.40b |
| (B) 0.49 = Retained Earnings (Balance) 58.85b / Total Assets 120.40b |
| (C) 0.09 = EBIT TTM 11.09b / Avg Total Assets 117.07b |
| (D) 0.64 = Book Value of Equity 59.16b / Total Liabilities 92.91b |
| Total Rating: 4.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 89.71
| 1. Piotroski 6.50pt |
| 2. FCF Yield 16.82% |
| 3. FCF Margin 13.04% |
| 4. Debt/Equity 0.29 |
| 5. Debt/Ebitda 0.62 |
| 6. ROIC - WACC (= 22.01)% |
| 7. RoE 35.31% |
| 8. Rev. Trend 97.24% |
| 9. EPS Trend 59.69% |
What is the price of ALL shares?
Over the past week, the price has changed by +4.21%, over one month by +0.62%, over three months by +7.23% and over the past year by +9.54%.
Is ALL a buy, sell or hold?
- 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 | 236.6 | 12.9% |
| Analysts Target Price | 236.6 | 12.9% |
| ValueRay Target Price | 242.7 | 15.8% |
ALL Fundamental Data Overview December 10, 2025
P/E Trailing = 6.5112
P/E Forward = 9.1491
P/S = 0.7918
P/B = 2.0754
P/EG = 1.2888
Beta = 0.249
Revenue TTM = 66.21b USD
EBIT TTM = 11.09b USD
EBITDA TTM = 11.62b 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 = 51.35b USD (52.93b + Debt 8.09b - CCE 9.67b)
Interest Coverage Ratio = 27.59 (Ebit TTM 11.09b / Interest Expense TTM 402.0m)
FCF Yield = 16.82% (FCF TTM 8.64b / Enterprise Value 51.35b)
FCF Margin = 13.04% (FCF TTM 8.64b / Revenue TTM 66.21b)
Net Margin = 12.65% (Net Income TTM 8.38b / Revenue TTM 66.21b)
Gross Margin = 27.52% ((Revenue TTM 66.21b - Cost of Revenue TTM 47.99b) / Revenue TTM)
Gross Margin QoQ = 36.57% (prev 24.37%)
Tobins Q-Ratio = 0.43 (Enterprise Value 51.35b / 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 = unknown (Total Current Assets 30.94b / Total Current Liabilities 0.0)
Debt / Equity = 0.29 (Debt 8.09b / totalStockholderEquity, last quarter 27.49b)
Debt / EBITDA = 0.62 (Net Debt 7.16b / EBITDA 11.62b)
Debt / FCF = 0.83 (Net Debt 7.16b / FCF TTM 8.64b)
Total Stockholder Equity = 23.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.96% (Net Income 8.38b / Total Assets 120.40b)
RoE = 35.31% (Net Income TTM 8.38b / Total Stockholder Equity 23.73b)
RoCE = 34.86% (EBIT 11.09b / Capital Employed (Equity 23.73b + L.T.Debt 8.09b))
RoIC = 28.88% (NOPAT 8.62b / Invested Capital 29.84b)
WACC = 6.87% (E(52.93b)/V(61.02b) * Re(7.77%) + D(8.09b)/V(61.02b) * Rd(1.25%) * (1-Tc(0.22)))
Discount Rate = 7.77% (= 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: 59.69 | EPS CAGR: 45.32% | SUE: 4.0 | # QB: 8
Revenue Correlation: 97.24 | Revenue CAGR: 7.49% | SUE: 0.06 | # QB: 0
EPS next Quarter (2026-03-31): EPS=6.88 | Chg30d=+0.337 | Revisions Net=+8 | Analysts=16
EPS next Year (2026-12-31): EPS=24.14 | Chg30d=+1.044 | Revisions Net=+20 | Growth EPS=-15.5% | Growth Revenue=+6.0%
Additional Sources for ALL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle