ALL Stock Analysis: The Allstate | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 67.442m USD | 12M Return: 29.2% | US0200021014 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 414M
EPS Trend: 84.4%
Qual. Beats: 12
Rev. Trend: 97.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Allstate Corporation is a U.S.-headquartered property and casualty insurer that operates through four segments: Allstate Protection (its core underwriting business), Run-off Property-Liability, Protection Services, and Corporate and Other. The company distributes private passenger auto, homeowners, other personal lines, and commercial insurance through multiple channels, including exclusive agents, independent agents, contact centers, and online platforms, under the Allstate, National General, Direct Auto, and Answer Financial brands.
Beyond traditional P&C coverage, Allstate offers consumer product protection plans, roadside assistance, automotive telematics data and analytics, identity theft protection and remediation, vehicle service contracts, guaranteed asset protection, paintless dent repair coverage, and mobility data collection services. The company was founded in 1931 and is headquartered in Northbrook, Illinois, and trades on the NYSE under the ticker ALL.
As a property and casualty insurer, Allstate generates revenue primarily through earned premiums while also earning investment income on reserves held against future claims-a dual income model typical of large P&C carriers. Allstates multi-brand, multi-channel distribution strategy, combining a captive exclusive agent force with direct-to-consumer and independent agency channels, reflects the broader industry shift toward digital channels while preserving traditional agency relationships.
- Auto insurance rate hikes expand underwriting margins
- Catastrophe losses pressure property combined ratio
- Higher investment income lifts earnings as rates rise
| Net Income: 11.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 2.79 > 1.0 |
| NWC/Revenue: 43.84% < 20% (prev -62.88%; Δ 106.7% < -1%) |
| CFO/TA 0.10 > 3% & CFO 13.0b > Net Income 11.6b |
| Net Debt (-69.3b) to EBITDA (15.6b): -4.45 < 3 |
| Current Ratio: 1.40 > 1.5 & < 3 |
| Outstanding Shares: last quarter (255.3m) vs 12m ago -4.17% < -2% |
| Gross Margin: 40.35% > 18% (prev 27.52%; Δ 12.84% > 0.5%) |
| Asset Turnover: 55.97% > 50% (prev 54.99%; Δ 0.98% > 0%) |
| Interest Coverage Ratio: 39.06 > 6 (EBIT TTM 15.2b / Interest Expense TTM 389.0m) |
| A: 0.24 (Total Current Assets 108b - Total Current Liabilities 77.1b) / Total Assets 128b |
| B: 0.54 (Retained Earnings 69.3b / Total Assets 128b) |
| C: 0.12 (EBIT TTM 15.2b / Avg Total Assets 124b) |
| D: 0.34 (Book Value of Equity 32.3b / Total Liabilities 95.6b) |
| Altman-Z'' = 4.51 = AA |
| DSRI: 1.10 (Receivables 24.6b/21.3b, Revenue 69.5b/66.2b) |
| GMI: 0.68 (GM 27.52% / 40.35%) |
| AQI: 0.21 (AQ_t 0.15 / AQ_t-1 0.74) |
| SGI: 1.05 (Revenue 69.5b / 66.2b) |
| TATA: -0.01 (NI 11.6b - CFO 13.0b) / TA 128b) |
| Beneish M = -3.67 (Cap -4..+1) = AAA |
As of November 15, 2026, the stock is trading at USD 267.64 with a total of 1,310,947 shares traded. Over the past week, the price has changed by +5.04%, over one month by +13.21%, over three months by +3.18% and over the past year by +29.20%.
Current recommended Stop Loss: 251.40 (which is 6.1% or 2.4 ATR below the current price).
The Allstate has received a consensus analysts rating of 3.56. Therefore, it is recommended to hold ALL.
- StrongBuy: 9
- Buy: 2
- Hold: 10
- Sell: 2
- StrongSell: 2
| Analysts Target Price | 269.3 | 0.6% |
P/E Trailing = 5.3365
P/E Forward = 9.6993
P/S = 0.9616
P/B = 2.1464
P/EG = 1.9787
Revenue TTM = 69.5b USD
EBIT TTM = 15.2b USD
EBITDA TTM = 15.6b 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 = -69.3b USD (calculated: Debt 7.49b - CCE 76.7b)
Enterprise Value = 67.4b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 39.06 (Ebit TTM 15.2b / Interest Expense TTM 389.0m)
EV/FCF = 5.30x (Enterprise Value 67.4b / FCF TTM 12.7b)
FCF Yield = 18.88% (FCF TTM 12.7b / Enterprise Value 67.4b)
FCF Margin = 18.33% (FCF TTM 12.7b / Revenue TTM 69.5b)
Net Margin = 16.76% (Net Income TTM 11.6b / Revenue TTM 69.5b)
Gross Margin = 40.35% ((Revenue TTM 69.5b - Cost of Revenue TTM 41.4b) / Revenue TTM)
Gross Margin QoQ = 29.44% (prev 34.75%)
Tobins Q-Ratio = 0.53 (Enterprise Value 67.4b / Total Assets 128b)
Interest Expense / Debt = 5.19% (Interest Expense 389.0m / Debt 7.49b)
Taxrate = 21.28% (3.15b / 14.8b)
NOPAT = 12.0b (EBIT 15.2b * (1 - 21.28%))
Current Ratio = 1.40 (Total Current Assets 108b / Total Current Liabilities 77.1b)
Debt / Equity = 0.23 (Debt 7.49b / totalStockholderEquity, last quarter 32.3b)
Debt / EBITDA = -4.45 (Net Debt -69.3b / EBITDA 15.6b)
Debt / FCF = -5.44 (Net Debt -69.3b / FCF TTM 12.7b)
Total Stockholder Equity = 32.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 9.38% (Net Income 11.6b / Total Assets 128b)
RoE = 36.32% (Net Income TTM 11.6b / Total Stockholder Equity 32.1b)
RoCE = 38.42% (EBIT 15.2b / Capital Employed (Equity 32.1b + L.T.Debt 7.49b))
RoIC = 25.00% (NOPAT 12.0b / Invested Capital 47.8b)
WACC = 4.75% (E(67.4b)/V(74.9b) * Re(4.82%) + D(7.49b)/V(74.9b) * Rd(5.19%) * (1-Tc(0.21)))
Discount Rate = 4.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -86.21 | Cagr: -1.99%
[DCF] Terminal Value 77.97% ; FCFF base≈11.1b ; Y1≈12.7b ; Y5≈18.7b
[DCF] Fair Price = 1.39k (EV 282b - Net Debt -69.3b = Equity 351b / Shares 252.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 84.39 | EPS CAGR: 177.2% | SUE: 2.06 | # QB: 12
Revenue Correlation: 97.56 | Revenue CAGR: 7.23% | SUE: -0.11 | # QB: 0
EPS current Quarter (2027-03-31): EPS=8.10 | Chg30d=+1.59% | Revisions=+55% | Analysts=16
EPS current Year (2026-12-31): EPS=35.96 | Chg30d=+1.62% | Revisions=+41% | GrowthEPS=+3.2% | GrowthRev=+3.7%
EPS next Year (2027-12-31): EPS=28.11 | Chg30d=+1.21% | Revisions=+50% | GrowthEPS=-21.8% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +53% (up=33, down=9)