ALL Stock Analysis: The Allstate | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 64.005m USD | 12M Return: 32.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 467M
Qual. Beats: 10
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Allstate Corporation is a major U.S. property and casualty insurer that operates through four reportable segments: Allstate Protection, Run-off Property-Liability, Protection Services, and Corporate and Other. Its core underwriting business spans private passenger auto, homeowners, other personal lines, and commercial insurance. The company distributes products through a multi-channel model, including exclusive agents, independent agents, contact centers, and online platforms, operating under the Allstate, National General, Direct Auto, and Answer Financial brands.
Beyond traditional insurance, Allstate has expanded into consumer product protection, automotive telematics, roadside assistance, identity protection, and vehicle service contracts, including offerings like guaranteed asset protection and paintless dent repair. The company is headquartered in Northbrook, Illinois, and was founded in 1931, with its shares listed on the NYSE since 1993.
As a large-cap Financials company within the Property & Casualty Insurance sub-industry, Allstate is part of a sector whose profitability is heavily influenced by underwriting cycles, catastrophe losses, and investment income from premium reserves. P&C insurers commonly track underwriting performance using the combined ratio, a measure of claims and expenses relative to earned premiums, and they earn additional revenue by investing the float between premium collection and claims payment.
- Auto rate hikes lift premiums and underwriting margins
- Severe weather catastrophes pressure combined ratio
- Elevated rates boost investment portfolio income
| 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 July 18, 2026, the stock is trading at USD 249.90 with a total of 1,447,256 shares traded. Over the past week, the price has changed by -0.68%, over one month by +12.74%, over three months by +16.22% and over the past year by +32.07%.
Current recommended Stop Loss: 241.60 (which is 3.3% or 1.3 ATR below the current price).
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 | 249.1 | -0.3% |
P/E Trailing = 5.4997
P/E Forward = 9.9305
P/S = 0.9388
P/B = 2.1839
P/EG = 3.0096
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 = 66.1b USD (64.0b + Debt 7.49b - CCE 5.40b)
Interest Coverage Ratio = 40.22 (Ebit TTM 16.0b / Interest Expense TTM 397.0m)
EV/FCF = 5.73x (Enterprise Value 66.1b / FCF TTM 11.5b)
FCF Yield = 17.45% (FCF TTM 11.5b / Enterprise Value 66.1b)
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 = 0.53 (Enterprise Value 66.1b / 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 = 5.88% (E(64.0b)/V(71.5b) * Re(6.08%) + D(7.49b)/V(71.5b) * Rd(5.30%) * (1-Tc(0.22)))
Discount Rate = 6.08% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -34.81 | 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: 2.35 | # QB: 10
Revenue Correlation: 98.10 | Revenue CAGR: 8.33% | SUE: -0.28 | # QB: 0
EPS current Quarter (2026-06-30): EPS=5.22 | Chg30d=+12.36% | Revisions=+73% | Analysts=20
EPS next Quarter (2026-09-30): EPS=5.90 | Chg30d=+0.78% | Revisions=+29% | Analysts=20
EPS current Year (2026-12-31): EPS=30.51 | Chg30d=+2.05% | Revisions=+77% | GrowthEPS=-12.4% | GrowthRev=+4.6%
EPS next Year (2027-12-31): EPS=26.43 | Chg30d=+0.57% | Revisions=+18% | GrowthEPS=-13.4% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: +67% (up=26, down=4)