(ALL) The Allstate - Ratings and Ratios
Auto, Homeowners, Life, Health, Commercial Insurance, Protection Plans
ALL EPS (Earnings per Share)
ALL Revenue
Description: ALL The Allstate
The Allstate Corporation is a leading property and casualty insurance provider in the United States and Canada, operating through five distinct business segments: Allstate Protection, Run-off Property-Liability, Protection Services, Allstate Health and Benefits, and Corporate and Other. The company offers a diverse range of insurance products, including private passenger auto, homeowners, and commercial insurance, as well as life, accident, and health insurance products.
From a strategic perspective, Allstates business model is focused on leveraging its extensive distribution network, which includes agents, contact centers, and online platforms, to deliver a range of insurance products to its customers. The companys Protection Services segment, which includes brands such as Allstate Protection Plans, Allstate Roadside, and Arity, provides additional revenue streams through the sale of protection plans, roadside assistance, and identity protection services.
In terms of key performance indicators (KPIs), Allstates financial performance is driven by metrics such as loss ratio, expense ratio, and combined ratio, which measure the companys underwriting profitability. Additionally, the companys return on equity (RoE) of 19.50% indicates a strong level of profitability. Other relevant KPIs for the company include its premium growth rate, policyholder retention rate, and investment yield, which can provide insights into its revenue growth, customer loyalty, and investment performance.
From a valuation perspective, Allstates price-to-earnings (P/E) ratio of 13.21 and forward P/E ratio of 11.36 suggest that the companys shares are reasonably valued relative to its earnings. The companys market capitalization of $51.2 billion also indicates a significant level of scale and market presence. Overall, a detailed analysis of Allstates financial performance, business strategy, and industry trends is necessary to determine the companys investment potential.
ALL Stock Overview
| Market Cap in USD | 52,709m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1993-06-02 |
ALL Stock Ratings
| Growth Rating | 71.8% |
| Fundamental | 89.7% |
| Dividend Rating | 69.7% |
| Return 12m vs S&P 500 | -10.8% |
| Analyst Rating | 4.10 of 5 |
ALL Dividends
| Dividend Yield 12m | 2.01% |
| Yield on Cost 5y | 4.82% |
| Annual Growth 5y | 11.24% |
| Payout Consistency | 96.9% |
| Payout Ratio | 18.6% |
ALL Growth Ratios
| Growth Correlation 3m | 58.7% |
| Growth Correlation 12m | 62.2% |
| Growth Correlation 5y | 81.9% |
| CAGR 5y | 18.54% |
| CAGR/Max DD 3y | 0.68 |
| CAGR/Mean DD 3y | 3.57 |
| Sharpe Ratio 12m | 0.33 |
| Alpha | 0.05 |
| Beta | 0.740 |
| Volatility | 24.47% |
| Current Volume | 1628.1k |
| Average Volume 20d | 1293.1k |
| Stop Loss | 191.3 (-3%) |
| Signal | -0.56 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (5.82b TTM) > 0 and > 6% of Revenue (6% = 3.97b TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA 1.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.08 (>3.0%) and CFO 8.74b > Net Income 5.82b (YES >=105%, WARN >=100%) |
| Net Debt (7.09b) to EBITDA (8.24b) ratio: 0.86 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (267.9m) change vs 12m ago 0.30% (target <= -2.0% for YES) |
| Gross Margin 24.59% (prev 37.70%; Δ -13.11pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 59.05% (prev 55.65%; Δ 3.40pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 19.00 (EBITDA TTM 8.24b / Interest Expense TTM 405.0m) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 89.66
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 17.02% = 5.0 |
| 3. FCF Margin 12.90% = 3.22 |
| 4. Debt/Equity 0.34 = 2.44 |
| 5. Debt/Ebitda 0.98 = 1.79 |
| 6. ROIC - WACC (= 14.09)% = 12.50 |
| 7. RoE 26.35% = 2.20 |
| 8. Rev. Trend 97.87% = 7.34 |
| 9. EPS Trend 83.30% = 4.16 |
What is the price of ALL shares?
Over the past week, the price has changed by -1.39%, over one month by -4.28%, over three months by +0.02% and over the past year by +5.68%.
Is The Allstate a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ALL is around 205.65 USD . This means that ALL is currently overvalued and has a potential downside of 4.26%.
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 | 229.7 | 16.4% |
| Analysts Target Price | 229.7 | 16.4% |
| ValueRay Target Price | 226.9 | 15% |
Last update: 2025-09-11 04:31
ALL Fundamental Data Overview
CCE Cash And Equivalents = 10.63b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 9.4132
P/E Forward = 8.7184
P/S = 0.796
P/B = 2.395
P/EG = 1.2281
Beta = 0.365
Revenue TTM = 66.21b USD
EBIT TTM = 7.69b USD
EBITDA TTM = 8.24b USD
Long Term Debt = 8.09b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 8.09b USD (Calculated: Short Term 0.0 + Long Term 8.09b)
Net Debt = 7.09b USD (from netDebt column, last quarter)
Enterprise Value = 50.16b USD (52.71b + Debt 8.09b - CCE 10.63b)
Interest Coverage Ratio = 19.00 (Ebit TTM 7.69b / Interest Expense TTM 405.0m)
FCF Yield = 17.02% (FCF TTM 8.54b / Enterprise Value 50.16b)
FCF Margin = 12.90% (FCF TTM 8.54b / Revenue TTM 66.21b)
Net Margin = 8.79% (Net Income TTM 5.82b / Revenue TTM 66.21b)
Gross Margin = 24.59% ((Revenue TTM 66.21b - Cost of Revenue TTM 49.93b) / Revenue TTM)
Tobins Q-Ratio = 0.91 (Enterprise Value 50.16b / Book Value Of Equity 55.35b)
Interest Expense / Debt = 1.24% (Interest Expense 100.0m / Debt 8.09b)
Taxrate = 20.17% (1.16b / 5.76b)
NOPAT = 6.14b (EBIT 7.69b * (1 - 20.17%))
Current Ratio = unknown (Total Current Assets 31.55b / Total Current Liabilities none)
Debt / Equity = 0.34 (Debt 8.09b / last Quarter total Stockholder Equity 24.02b)
Debt / EBITDA = 0.98 (Net Debt 7.09b / EBITDA 8.24b)
Debt / FCF = 0.95 (Debt 8.09b / FCF TTM 8.54b)
Total Stockholder Equity = 22.10b (last 4 quarters mean)
RoA = 5.02% (Net Income 5.82b, Total Assets 115.89b )
RoE = 26.35% (Net Income TTM 5.82b / Total Stockholder Equity 22.10b)
RoCE = 25.49% (Ebit 7.69b / (Equity 22.10b + L.T.Debt 8.09b))
RoIC = 21.79% (NOPAT 6.14b / Invested Capital 28.18b)
WACC = 7.71% (E(52.71b)/V(60.80b) * Re(8.74%)) + (D(8.09b)/V(60.80b) * Rd(1.24%) * (1-Tc(0.20)))
Shares Correlation 3-Years: 38.17 | Cagr: -0.03%
Discount Rate = 8.74% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 78.92% ; FCFE base≈7.63b ; Y1≈9.22b ; Y5≈15.03b
Fair Price DCF = 853.0 (DCF Value 224.77b / Shares Outstanding 263.5m; 5y FCF grow 22.35% → 3.0% )
EPS Correlation: 83.30 | EPS CAGR: 54.71% | SUE: 4.00 | # QB: 7
Revenue Correlation: 97.87 | Revenue CAGR: 8.71% | SUE: N/A | # QB: None
Additional Sources for ALL Stock
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Fund Manager Positions: Dataroma | Stockcircle