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ALLSTATE CORP (ALL) Stock Fundamental Analysis

USA - NYSE:ALL - US0200021014 - Common Stock

193.74 USD
-0.05 (-0.03%)
Last: 10/21/2025, 8:04:00 PM
193.74 USD
0 (0%)
After Hours: 10/21/2025, 8:04:00 PM
Fundamental Rating

4

Overall ALL gets a fundamental rating of 4 out of 10. We evaluated ALL against 147 industry peers in the Insurance industry. There are concerns on the financial health of ALL while its profitability can be described as average. ALL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

ALL had positive earnings in the past year.
ALL had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: ALL reported negative net income in multiple years.
Each year in the past 5 years ALL had a positive operating cash flow.
ALL Yearly Net Income VS EBIT VS OCF VS FCFALL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

1.2 Ratios

With an excellent Return On Assets value of 4.92%, ALL belongs to the best of the industry, outperforming 86.39% of the companies in the same industry.
ALL has a Return On Equity of 23.75%. This is amongst the best in the industry. ALL outperforms 91.16% of its industry peers.
Industry RankSector Rank
ROA 4.92%
ROE 23.75%
ROIC N/A
ROA(3y)0.78%
ROA(5y)1.63%
ROE(3y)3.78%
ROE(5y)7.06%
ROIC(3y)N/A
ROIC(5y)N/A
ALL Yearly ROA, ROE, ROICALL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15 20

1.3 Margins

ALL's Profit Margin of 8.62% is in line compared to the rest of the industry. ALL outperforms 57.14% of its industry peers.
In the last couple of years the Profit Margin of ALL has declined.
ALL's Operating Margin of 10.38% is in line compared to the rest of the industry. ALL outperforms 46.94% of its industry peers.
In the last couple of years the Operating Margin of ALL has declined.
Industry RankSector Rank
OM 10.38%
PM (TTM) 8.62%
GM N/A
OM growth 3Y-11.15%
OM growth 5Y-7.38%
PM growth 3Y34.22%
PM growth 5Y-8.82%
GM growth 3YN/A
GM growth 5YN/A
ALL Yearly Profit, Operating, Gross MarginsALL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

3

2. Health

2.1 Basic Checks

ALL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ALL has been increased compared to 1 year ago.
The number of shares outstanding for ALL has been reduced compared to 5 years ago.
ALL has a better debt/assets ratio than last year.
ALL Yearly Shares OutstandingALL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
ALL Yearly Total Debt VS Total AssetsALL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

ALL has a debt to FCF ratio of 0.95. This is a very positive value and a sign of high solvency as it would only need 0.95 years to pay back of all of its debts.
ALL has a Debt to FCF ratio of 0.95. This is in the better half of the industry: ALL outperforms 71.43% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that ALL is not too dependend on debt financing.
The Debt to Equity ratio of ALL (0.34) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC8%
ALL Yearly LT Debt VS Equity VS FCFALL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ALL Yearly Current Assets VS Current LiabilitesALL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 57.44% over the past year.
ALL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.88% yearly.
ALL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.81%.
ALL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.06% yearly.
EPS 1Y (TTM)57.44%
EPS 3Y11.04%
EPS 5Y11.88%
EPS Q2Q%268.94%
Revenue 1Y (TTM)9.81%
Revenue growth 3Y8.21%
Revenue growth 5Y9.06%
Sales Q2Q%5.38%

3.2 Future

Based on estimates for the next years, ALL will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.87% on average per year.
Based on estimates for the next years, ALL will show a small growth in Revenue. The Revenue will grow by 6.95% on average per year.
EPS Next Y22.89%
EPS Next 2Y12.6%
EPS Next 3Y8.87%
EPS Next 5YN/A
Revenue Next Year7.05%
Revenue Next 2Y7.2%
Revenue Next 3Y7.06%
Revenue Next 5Y6.95%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ALL Yearly Revenue VS EstimatesALL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
ALL Yearly EPS VS EstimatesALL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10 15 20

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.20, the valuation of ALL can be described as reasonable.
Based on the Price/Earnings ratio, ALL is valued a bit cheaper than the industry average as 67.35% of the companies are valued more expensively.
ALL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
With a Price/Forward Earnings ratio of 8.34, the valuation of ALL can be described as very reasonable.
Based on the Price/Forward Earnings ratio, ALL is valued a bit cheaper than the industry average as 67.35% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, ALL is valued rather cheaply.
Industry RankSector Rank
PE 9.2
Fwd PE 8.34
ALL Price Earnings VS Forward Price EarningsALL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ALL is valued a bit cheaper than the industry average as 61.22% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, ALL is valued a bit cheaper than the industry average as 68.71% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.98
EV/EBITDA 7.83
ALL Per share dataALL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200 250

4.3 Compensation for Growth

ALL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.4
PEG (5Y)0.77
EPS Next 2Y12.6%
EPS Next 3Y8.87%

6

5. Dividend

5.1 Amount

ALL has a Yearly Dividend Yield of 2.05%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.31, ALL has a dividend in line with its industry peers.
ALL's Dividend Yield is comparable with the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 2.05%

5.2 History

On average, the dividend of ALL grows each year by 11.11%, which is quite nice.
ALL has been paying a dividend for at least 10 years, so it has a reliable track record.
ALL has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.11%
Div Incr Years14
Div Non Decr Years15
ALL Yearly Dividends per shareALL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

ALL pays out 19.49% of its income as dividend. This is a sustainable payout ratio.
The dividend of ALL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP19.49%
EPS Next 2Y12.6%
EPS Next 3Y8.87%
ALL Yearly Income VS Free CF VS DividendALL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B
ALL Dividend Payout.ALL Dividend Payout, showing the Payout Ratio.ALL Dividend Payout.PayoutRetained Earnings

ALLSTATE CORP

NYSE:ALL (10/21/2025, 8:04:00 PM)

After market: 193.74 0 (0%)

193.74

-0.05 (-0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners81.61%
Inst Owner Change0.26%
Ins Owners0.55%
Ins Owner Change-0.27%
Market Cap51.05B
Analysts80.74
Price Target238.23 (22.96%)
Short Float %1.43%
Short Ratio2.58
Dividend
Industry RankSector Rank
Dividend Yield 2.05%
Yearly Dividend4.09
Dividend Growth(5Y)11.11%
DP19.49%
Div Incr Years14
Div Non Decr Years15
Ex-Date08-29 2025-08-29 (1)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)60.09%
Min EPS beat(2)41.32%
Max EPS beat(2)78.86%
EPS beat(4)4
Avg EPS beat(4)51.28%
Min EPS beat(4)20.62%
Max EPS beat(4)78.86%
EPS beat(8)8
Avg EPS beat(8)85.54%
EPS beat(12)10
Avg EPS beat(12)57.36%
EPS beat(16)11
Avg EPS beat(16)41.19%
Revenue beat(2)1
Avg Revenue beat(2)0.01%
Min Revenue beat(2)-2.24%
Max Revenue beat(2)2.27%
Revenue beat(4)1
Avg Revenue beat(4)-1.05%
Min Revenue beat(4)-2.51%
Max Revenue beat(4)2.27%
Revenue beat(8)2
Avg Revenue beat(8)-0.78%
Revenue beat(12)4
Avg Revenue beat(12)1.65%
Revenue beat(16)8
Avg Revenue beat(16)5.8%
PT rev (1m)0.09%
PT rev (3m)-0.33%
EPS NQ rev (1m)40.3%
EPS NQ rev (3m)60.28%
EPS NY rev (1m)3.67%
EPS NY rev (3m)22.77%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.58%
Valuation
Industry RankSector Rank
PE 9.2
Fwd PE 8.34
P/S 0.77
P/FCF 5.98
P/OCF 5.84
P/B 2.13
P/tB 2.44
EV/EBITDA 7.83
EPS(TTM)21.05
EY10.87%
EPS(NY)23.23
Fwd EY11.99%
FCF(TTM)32.4
FCFY16.73%
OCF(TTM)33.18
OCFY17.13%
SpS251.29
BVpS91.15
TBVpS79.32
PEG (NY)0.4
PEG (5Y)0.77
Profitability
Industry RankSector Rank
ROA 4.92%
ROE 23.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 10.38%
PM (TTM) 8.62%
GM N/A
FCFM 12.9%
ROA(3y)0.78%
ROA(5y)1.63%
ROE(3y)3.78%
ROE(5y)7.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-11.15%
OM growth 5Y-7.38%
PM growth 3Y34.22%
PM growth 5Y-8.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 0.95
Debt/EBITDA 1.09
Cap/Depr 37.09%
Cap/Sales 0.31%
Interest Coverage 250
Cash Conversion 117.78%
Profit Quality 149.68%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC8%
ROIC/WACCN/A
Cap/Depr(3y)41.78%
Cap/Depr(5y)40.4%
Cap/Sales(3y)0.54%
Cap/Sales(5y)0.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)57.44%
EPS 3Y11.04%
EPS 5Y11.88%
EPS Q2Q%268.94%
EPS Next Y22.89%
EPS Next 2Y12.6%
EPS Next 3Y8.87%
EPS Next 5YN/A
Revenue 1Y (TTM)9.81%
Revenue growth 3Y8.21%
Revenue growth 5Y9.06%
Sales Q2Q%5.38%
Revenue Next Year7.05%
Revenue Next 2Y7.2%
Revenue Next 3Y7.06%
Revenue Next 5Y6.95%
EBIT growth 1Y62.56%
EBIT growth 3Y-3.85%
EBIT growth 5Y1.02%
EBIT Next Year34.27%
EBIT Next 3Y14.01%
EBIT Next 5YN/A
FCF growth 1Y91.76%
FCF growth 3Y22.27%
FCF growth 5Y13.18%
OCF growth 1Y82.68%
OCF growth 3Y20.41%
OCF growth 5Y11.73%