Logo image of ALL

ALLSTATE CORP (ALL) Stock Fundamental Analysis

USA - NYSE:ALL - US0200021014 - Common Stock

194.79 USD
+1.05 (+0.54%)
Last: 10/22/2025, 8:15:31 PM
194.8 USD
+0.01 (+0.01%)
After Hours: 10/22/2025, 8:15:31 PM
Fundamental Rating

4

ALL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. While ALL is still in line with the averages on profitability rating, there are concerns on its financial health. ALL has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year ALL was profitable.
In the past year ALL had a positive cash flow from operations.
In multiple years ALL reported negative net income over the last 5 years.
ALL had a positive operating cash flow in each of the past 5 years.
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

ALL has a Return On Assets of 4.92%. This is amongst the best in the industry. ALL outperforms 86.39% of its industry peers.
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 has a Profit Margin (8.62%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of ALL has declined.
ALL has a Operating Margin (10.38%) which is in line with 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

More info and screens

3

2. Health

2.1 Basic Checks

ALL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ALL has more shares outstanding
Compared to 5 years ago, ALL has less shares outstanding
The debt/assets ratio for ALL has been reduced compared to a year ago.
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.
The Debt to FCF ratio of ALL (0.95) is better than 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
WACC7.99%
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

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 57.44% over the past year.
The Earnings Per Share has been growing by 11.88% on average over the past years. This is quite good.
The Revenue has grown by 9.81% in the past year. This is quite good.
Measured over the past years, ALL shows a quite strong growth in Revenue. The Revenue has been growing by 9.06% on average per year.
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

The Earnings Per Share is expected to grow by 8.87% on average over the next years. This is quite good.
ALL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.95% yearly.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

ALL is valuated reasonably with a Price/Earnings ratio of 9.25.
ALL's Price/Earnings ratio is a bit cheaper when compared to the industry. ALL is cheaper than 67.35% of the companies in the same industry.
When comparing the Price/Earnings ratio of ALL to the average of the S&P500 Index (27.57), we can say ALL is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.39, the valuation of ALL can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALL indicates a somewhat cheap valuation: ALL is cheaper than 67.35% of the companies listed in the same industry.
ALL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.
Industry RankSector Rank
PE 9.25
Fwd PE 8.39
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 68.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.01
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)0.78
EPS Next 2Y12.6%
EPS Next 3Y8.87%

More info and screens

6

5. Dividend

5.1 Amount

ALL has a Yearly Dividend Yield of 2.05%.
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 2.32.
Industry RankSector Rank
Dividend Yield 2.05%

5.2 History

The dividend of ALL is nicely growing with an annual growth rate of 11.11%!
ALL has paid a dividend for at least 10 years, which is a reliable track record.
ALL has not decreased their dividend for at least 10 years, which is a reliable track record.
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

19.49% of the earnings are spent on dividend by ALL. This is a low number and sustainable payout ratio.
ALL's earnings are growing slower than its dividend. 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

More info and screens

ALLSTATE CORP

NYSE:ALL (10/22/2025, 8:15:31 PM)

After market: 194.8 +0.01 (+0.01%)

194.79

+1.05 (+0.54%)

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 Cap51.33B
Revenue(TTM)66.22B
Net Income(TTM)5.71B
Analysts80.74
Price Target238.23 (22.3%)
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 9.25
Fwd PE 8.39
P/S 0.78
P/FCF 6.01
P/OCF 5.87
P/B 2.14
P/tB 2.46
EV/EBITDA 7.83
EPS(TTM)21.05
EY10.81%
EPS(NY)23.23
Fwd EY11.92%
FCF(TTM)32.4
FCFY16.64%
OCF(TTM)33.18
OCFY17.03%
SpS251.29
BVpS91.15
TBVpS79.32
PEG (NY)0.4
PEG (5Y)0.78
Graham Number207.78
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC7.99%
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%