(ALL) The Allstate - Overview
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 55.466m USD | Total Return: 7.4% in 12m
Auto Insurance, Homeowners Insurance, Protection Plans, Identity Protection
Total Rating 59
Safety 54
Buy Signal -0.04
Insurance - Property & Casualty
Industry Rotation: +11.5
Industry Rotation: +11.5
Market Cap:
55.5B
Avg Turnover: 319M
Avg Turnover: 319M
Risk 3d forecast
Volatility24.1%
VaR 5th Pctl4.18%
VaR vs Median5.59%
Reward TTM
Sharpe Ratio0.26
Rel. Str. IBD47.6
Rel. Str. Peer Group69.3
Character TTM
Beta0.136
Beta Downside-0.057
Hurst Exponent0.553
Drawdowns 3y
Max DD14.11%
CAGR/Max DD1.87
CAGR/Mean DD6.60
EPS (Earnings per Share)
EPS CAGR: 42.75%
EPS Trend: 87.2%
EPS Trend: 87.2%
Last SUE: 2.05
Qual. Beats: 10
Qual. Beats: 10
Revenue
Rev. CAGR: 9.10%
Rev. Trend: 96.1%
Rev. Trend: 96.1%
Last SUE: -0.28
Qual. Beats: 0
Qual. Beats: 0
Warnings
Choppy
Tailwinds
Confidence
Description: ALL The Allstate
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
Piotroski VR‑10 (Strict)
6.5
| Net Income: 12.14b 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 11.71b > Net Income 12.14b |
| Net Debt (2.09b) to EBITDA (16.37b): 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 0.22%; Δ 3.96k% > 0.5%) |
| Asset Turnover: 56.15% > 50% (prev 56.20%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 40.22 > 6 (EBITDA TTM 16.37b / Interest Expense TTM 397.0m) |
Altman Z''
0.54
| A: -0.43 (Total Current Assets 32.20b - Total Current Liabilities 84.89b) / Total Assets 123.97b |
| B: 0.52 (Retained Earnings 64.54b / Total Assets 123.97b) |
| C: 0.13 (EBIT TTM 15.97b / Avg Total Assets 119.57b) |
| D: 0.70 (Book Value of Equity 64.26b / Total Liabilities 92.39b) |
| Altman-Z'' Score: 0.54 = B |
Beneish M
-3.80
| DSRI: 0.53 (Receivables 11.65b/21.14b, Revenue 67.14b/64.73b) |
| GMI: 0.55 (GM 39.83% / 21.96%) |
| AQI: 0.98 (AQ_t 0.74 / AQ_t-1 0.75) |
| SGI: 1.04 (Revenue 67.14b / 64.73b) |
| TATA: 0.00 (NI 12.14b - CFO 11.71b) / TA 123.97b) |
| Beneish M-Score: -3.80 (Cap -4..+1) = AAA |
What is the price of ALL shares?
As of May 19, 2026, the stock is trading at USD 221.21 with a total of 1,292,140 shares traded.
Over the past week, the price has changed by +3.47%, over one month by +2.82%, over three months by +6.16% and over the past year by +7.44%.
Over the past week, the price has changed by +3.47%, over one month by +2.82%, over three months by +6.16% and over the past year by +7.44%.
Is ALL a buy, sell or hold?
The Allstate has received a consensus analysts rating of 4.10.
Therefore, it is recommended to buy ALL.
- StrongBuy: 9
- Buy: 7
- Hold: 2
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the ALL price?
| Analysts Target Price | 241.5 | 9.1% |
The Allstate (ALL) - Fundamental Data Overview
as of 14 May 2026
P/E Trailing = 4.766 P/E Forward = 8.4317
P/S = 0.8073
P/B = 1.8533
P/EG = 2.554
Revenue TTM = 67.14b USD
EBIT TTM = 15.97b USD
EBITDA TTM = 16.37b 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 (recalculated: Debt 7.49b - CCE 5.40b)
Enterprise Value = 57.56b USD (55.47b + Debt 7.49b - CCE 5.40b)
Interest Coverage Ratio = 40.22 (Ebit TTM 15.97b / Interest Expense TTM 397.0m)
EV/FCF = 4.99x (Enterprise Value 57.56b / FCF TTM 11.53b)
FCF Yield = 20.04% (FCF TTM 11.53b / Enterprise Value 57.56b)
FCF Margin = 17.18% (FCF TTM 11.53b / Revenue TTM 67.14b)
Net Margin = 18.09% (Net Income TTM 12.14b / Revenue TTM 67.14b)
Gross Margin = 39.83% ((Revenue TTM 67.14b - Cost of Revenue TTM 40.40b) / Revenue TTM)
Gross Margin QoQ = 45.33% (prev 52.96%)
Tobins Q-Ratio = 0.46 (Enterprise Value 57.56b / Total Assets 123.97b)
Interest Expense / Debt = 1.31% (Interest Expense 98.0m / Debt 7.49b)
Taxrate = 20.91% (650.0m / 3.11b)
NOPAT = 12.63b (EBIT 15.97b * (1 - 20.91%))
Current Ratio = 0.38 (Total Current Assets 32.20b / Total Current Liabilities 84.89b)
Debt / Equity = 0.24 (Debt 7.49b / totalStockholderEquity, last quarter 31.61b)
Debt / EBITDA = 0.13 (Net Debt 2.09b / EBITDA 16.37b)
Debt / FCF = 0.18 (Net Debt 2.09b / FCF TTM 11.53b)
Total Stockholder Equity = 28.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.16% (Net Income 12.14b / Total Assets 123.97b)
RoE = 42.72% (Net Income TTM 12.14b / Total Stockholder Equity 28.43b)
RoCE = 44.46% (EBIT 15.97b / Capital Employed (Equity 28.43b + L.T.Debt 7.49b))
RoIC = 36.90% (NOPAT 12.63b / Invested Capital 34.22b)
WACC = 5.81% (E(55.47b)/V(62.96b) * Re(6.46%) + D(7.49b)/V(62.96b) * Rd(1.31%) * (1-Tc(0.21)))
Discount Rate = 6.46% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -17.98 | Cagr: -0.35%
[DCF] Terminal Value 88.16% ; FCFF base≈10.51b ; Y1≈12.57b ; Y5≈19.99b
[DCF] Fair Price = 2.25k (EV 581.63b - Net Debt 2.09b = Equity 579.54b / Shares 257.4m; r=6.0% [WACC]; 5y FCF grow 20.96% → 3.0% )
EPS Correlation: 87.20 | EPS CAGR: 42.75% | SUE: 2.05 | # QB: 10
Revenue Correlation: 96.14 | Revenue CAGR: 9.10% | SUE: -0.28 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.66 | Chg30d=+4.64% | Revisions=+27% | Analysts=20
EPS next Quarter (2026-09-30): EPS=5.81 | Chg30d=+6.65% | Revisions=+50% | Analysts=20
EPS current Year (2026-12-31): EPS=29.80 | Chg30d=+14.49% | Revisions=+82% | GrowthEPS=-14.4% | GrowthRev=+4.0%
EPS next Year (2027-12-31): EPS=26.19 | Chg30d=+2.93% | Revisions=+64% | GrowthEPS=-12.1% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +82%