(ALL) The Allstate - NYSE
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 57.428m USD | Total Return: 14.1% in 12m
Avg Turnover: 323M
Qual. Beats: 10
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
The Allstate Corporation (ALL) is a major North American insurance provider specializing in property and casualty coverage. Operating through a multi-channel distribution network of exclusive and independent agents, the company markets personal auto, homeowners, and commercial insurance under brands including Allstate, National General, and Direct Auto.
The business model increasingly integrates protection services, such as identity theft remediation and consumer product warranties, to diversify revenue beyond traditional premiums. In the property and casualty sector, profitability is highly sensitive to the combined ratio, which measures the relationship between incurred losses plus expenses against earned premiums. Allstate also leverages automotive telematics data to refine risk assessment and offer usage-based insurance products.
Investors can further evaluate these operational segments and financial metrics at ValueRay.
Headquartered in Northbrook, Illinois, Allstate maintains a significant market presence in both the United States and Canada. Its diverse portfolio includes specialized vehicle protection plans, such as asset protection and paintless dent repair, alongside its core liability and property coverage operations.
- Auto insurance loss ratios fluctuate based on claims frequency and repair costs
- Catastrophic weather events impact homeowners insurance underwriting margins and reinsurance costs
- Federal Reserve interest rate shifts influence fixed-income investment portfolio returns
- Strategic rate increases offset inflationary pressures on property and casualty segments
- Expansion of Protection Services segment diversifies revenue beyond traditional insurance lines
| Net Income: 12.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 1.51 > 1.0 |
| NWC/Revenue: -78.49% < 20% (prev -65.63%; Δ -12.86% < -1%) |
| CFO/TA 0.09 > 3% & CFO 11.7b > Net Income 12.1b |
| Net Debt (2.09b) to EBITDA (16.4b): 0.13 < 3 |
| Current Ratio: 0.38 > 1.5 & < 3 |
| Outstanding Shares: last quarter (262.6m) vs 12m ago -1.94% < -2% |
| Gross Margin: 39.83% > 18% (prev 21.96%; Δ 17.87% > 0.5%) |
| Asset Turnover: 56.15% > 50% (prev 56.20%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 40.22 > 6 (EBIT TTM 16.0b / Interest Expense TTM 397.0m) |
| A: -0.43 (Total Current Assets 32.2b - Total Current Liabilities 84.9b) / Total Assets 124b |
| B: 0.52 (Retained Earnings 64.5b / Total Assets 124b) |
| C: 0.13 (EBIT TTM 16.0b / Avg Total Assets 120b) |
| D: 0.34 (Book Value of Equity 31.6b / Total Liabilities 92.4b) |
| Altman-Z'' = 0.17 = B |
| DSRI: 0.53 (Receivables 11.6b/21.1b, Revenue 67.1b/64.7b) |
| GMI: 0.55 (GM 21.96% / 39.83%) |
| AQI: 0.98 (AQ_t 0.74 / AQ_t-1 0.75) |
| SGI: 1.04 (Revenue 67.1b / 64.7b) |
| TATA: 0.00 (NI 12.1b - CFO 11.7b) / TA 124b) |
| Beneish M = -3.80 (Cap -4..+1) = AAA |
As of June 18, 2026, the stock is trading at USD 221.66 with a total of 1,577,088 shares traded.
Over the past week, the price has changed by -0.75%,
over one month by +0.73%,
over three months by +7.51% and
over the past year by +14.09%.
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 | 240.6 | 8.5% |
P/E Trailing = 4.9063
P/E Forward = 8.7719
P/S = 0.8424
P/B = 1.9286
P/EG = 2.6578
Revenue TTM = 67.1b USD
EBIT TTM = 16.0b USD
EBITDA TTM = 16.4b 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 = 2.09b USD (calculated: Debt 7.49b - CCE 5.40b)
Enterprise Value = 59.5b USD (57.4b + Debt 7.49b - CCE 5.40b)
Interest Coverage Ratio = 40.22 (Ebit TTM 16.0b / Interest Expense TTM 397.0m)
EV/FCF = 5.16x (Enterprise Value 59.5b / FCF TTM 11.5b)
FCF Yield = 19.38% (FCF TTM 11.5b / Enterprise Value 59.5b)
FCF Margin = 17.18% (FCF TTM 11.5b / Revenue TTM 67.1b)
Net Margin = 18.09% (Net Income TTM 12.1b / Revenue TTM 67.1b)
Gross Margin = 39.83% ((Revenue TTM 67.1b - Cost of Revenue TTM 40.4b) / Revenue TTM)
Gross Margin QoQ = 45.33% (prev 52.96%)
Tobins Q-Ratio = 0.48 (Enterprise Value 59.5b / Total Assets 124b)
Interest Expense / Debt = 5.30% (Interest Expense 397.0m / Debt 7.49b)
Taxrate = 21.98% (3.42b / 15.5b)
NOPAT = 12.5b (EBIT 16.0b * (1 - 21.98%))
Current Ratio = 0.38 (Total Current Assets 32.2b / Total Current Liabilities 84.9b)
Debt / Equity = 0.24 (Debt 7.49b / totalStockholderEquity, last quarter 31.6b)
Debt / EBITDA = 0.13 (Net Debt 2.09b / EBITDA 16.4b)
Debt / FCF = 0.18 (Net Debt 2.09b / FCF TTM 11.5b)
Total Stockholder Equity = 28.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.16% (Net Income 12.1b / Total Assets 124b)
RoE = 42.72% (Net Income TTM 12.1b / Total Stockholder Equity 28.4b)
RoCE = 44.46% (EBIT 16.0b / Capital Employed (Equity 28.4b + L.T.Debt 7.49b))
RoIC = 34.35% (NOPAT 12.5b / Invested Capital 36.3b)
WACC = 5.90% (E(57.4b)/V(64.9b) * Re(6.13%) + D(7.49b)/V(64.9b) * Rd(5.30%) * (1-Tc(0.22)))
Discount Rate = 6.13% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -17.98 | Cagr: -0.35%
[DCF] Terminal Value 77.97% ; FCFF base≈10.5b ; Y1≈12.0b ; Y5≈17.7b
[DCF] Fair Price = 1.03k (EV 267b - Net Debt 2.09b = Equity 265b / Shares 257.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 2.66 | # QB: 10
Revenue Correlation: 98.10 | Revenue CAGR: 8.33% | SUE: -0.28 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.64 | Chg30d=-0.15% | Revisions=-17% | Analysts=20
EPS next Quarter (2026-09-30): EPS=5.85 | Chg30d=+1.18% | Revisions=+0% | Analysts=20
EPS current Year (2026-12-31): EPS=29.90 | Chg30d=+0.93% | Revisions=+27% | GrowthEPS=-14.2% | GrowthRev=+4.1%
EPS next Year (2027-12-31): EPS=26.28 | Chg30d=+0.48% | Revisions=+20% | GrowthEPS=-12.1% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +27%