ALLSTATE CORP (ALL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ALL - US0200021014 - Common Stock
192.28 USD
-3.19 (-1.63%)
210.09 USD
+17.81 (+9.26%)
Overall ALL gets a fundamental rating of 5 out of 10. We evaluated ALL against 149 industry peers in the Insurance industry. ALL has a medium profitability rating, but doesn't score so well on its financial health evaluation. ALL scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
- ALL had positive earnings in the past year.
- 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.
- Each year in the past 5 years ALL had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 6.86%, ALL belongs to the best of the industry, outperforming 89.26% of the companies in the same industry.
- The Return On Equity of ALL (30.03%) is better than 95.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.86% | ||
| ROE | 30.03% | ||
| 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
1.3 Margins
- Looking at the Profit Margin, with a value of 12.36%, ALL is in the better half of the industry, outperforming 67.79% of the companies in the same industry.
- ALL's Profit Margin has declined in the last couple of years.
- ALL has a better Operating Margin (14.27%) than 60.40% of its industry peers.
- ALL's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.27% | ||
| PM (TTM) | 12.36% | ||
| 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
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.
- ALL has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for ALL has been reduced compared to a year ago.
2.2 Solvency
- ALL has a debt to FCF ratio of 0.94. This is a very positive value and a sign of high solvency as it would only need 0.94 years to pay back of all of its debts.
- The Debt to FCF ratio of ALL (0.94) is better than 71.14% of its industry peers.
- ALL has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of ALL (0.29) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 71.89% over the past year.
- Measured over the past years, ALL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.88% on average per year.
- Looking at the last year, ALL shows a small growth in Revenue. The Revenue has grown by 7.07% in the last year.
- 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)71.89%
EPS 3Y11.04%
EPS 5Y11.88%
EPS Q2Q%185.68%
Revenue 1Y (TTM)7.07%
Revenue growth 3Y8.21%
Revenue growth 5Y9.06%
Sales Q2Q%6.28%
3.2 Future
- The Earnings Per Share is expected to grow by 10.20% on average over the next years. This is quite good.
- The Revenue is expected to grow by 6.95% on average over the next years.
EPS Next Y60.59%
EPS Next 2Y15.37%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue Next Year6.57%
Revenue Next 2Y6.31%
Revenue Next 3Y6.25%
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 stable.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- ALL is valuated cheaply with a Price/Earnings ratio of 6.79.
- 79.19% of the companies in the same industry are more expensive than ALL, based on the Price/Earnings ratio.
- ALL is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 7.89, the valuation of ALL can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ALL indicates a somewhat cheap valuation: ALL is cheaper than 70.47% 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 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.79 | ||
| Fwd PE | 7.89 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ALL indicates a somewhat cheap valuation: ALL is cheaper than 73.15% of the companies listed in the same industry.
- ALL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ALL is cheaper than 67.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.83 | ||
| EV/EBITDA | 5.71 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.11
PEG (5Y)0.57
EPS Next 2Y15.37%
EPS Next 3Y10.2%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.05%, ALL has a reasonable but not impressive dividend return.
- ALL's Dividend Yield is comparable with the industry average which is at 2.53.
- Compared to an average S&P500 Dividend Yield of 1.85, ALL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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
5.3 Sustainability
- 13.72% of the earnings are spent on dividend by ALL. This is a low number and sustainable payout ratio.
- The dividend of ALL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP13.72%
EPS Next 2Y15.37%
EPS Next 3Y10.2%
192.28
-3.19 (-1.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-04 2026-02-04/amc
Inst Owners81.01%
Inst Owner Change0.06%
Ins Owners0.51%
Ins Owner Change-8.23%
Market Cap50.32B
Revenue(TTM)66.85B
Net Income(TTM)8.26B
Analysts77.86
Price Target245.72 (27.79%)
Short Float %1.47%
Short Ratio2.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
Yearly Dividend4.09
Dividend Growth(5Y)11.11%
DP13.72%
Div Incr Years14
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)62.74%
Min EPS beat(2)46.62%
Max EPS beat(2)78.86%
EPS beat(4)4
Avg EPS beat(4)46.86%
Min EPS beat(4)20.62%
Max EPS beat(4)78.86%
EPS beat(8)8
Avg EPS beat(8)82.24%
EPS beat(12)11
Avg EPS beat(12)61.4%
EPS beat(16)12
Avg EPS beat(16)47.66%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.24%
Max Revenue beat(2)-1.19%
Revenue beat(4)1
Avg Revenue beat(4)-0.72%
Min Revenue beat(4)-2.24%
Max Revenue beat(4)2.27%
Revenue beat(8)2
Avg Revenue beat(8)-0.92%
Revenue beat(12)3
Avg Revenue beat(12)0.82%
Revenue beat(16)7
Avg Revenue beat(16)4.69%
PT rev (1m)-0.35%
PT rev (3m)3.14%
EPS NQ rev (1m)12.98%
EPS NQ rev (3m)27.01%
EPS NY rev (1m)0.89%
EPS NY rev (3m)30.67%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.61%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.79 | ||
| Fwd PE | 7.89 | ||
| P/S | 0.75 | ||
| P/FCF | 5.83 | ||
| P/OCF | 5.7 | ||
| P/B | 1.83 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | 5.71 |
EPS(TTM)28.31
EY14.72%
EPS(NY)24.38
Fwd EY12.68%
FCF(TTM)33.01
FCFY17.17%
OCF(TTM)33.73
OCFY17.54%
SpS255.45
BVpS105.11
TBVpS93.19
PEG (NY)0.11
PEG (5Y)0.57
Graham Number258.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.86% | ||
| ROE | 30.03% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.27% | ||
| PM (TTM) | 12.36% | ||
| GM | N/A | ||
| FCFM | 12.92% |
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 Turnover0.56
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.94 | ||
| Debt/EBITDA | 0.8 | ||
| Cap/Depr | 36% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 87.69% | ||
| Profit Quality | 104.55% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC8.2%
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)71.89%
EPS 3Y11.04%
EPS 5Y11.88%
EPS Q2Q%185.68%
EPS Next Y60.59%
EPS Next 2Y15.37%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue 1Y (TTM)7.07%
Revenue growth 3Y8.21%
Revenue growth 5Y9.06%
Sales Q2Q%6.28%
Revenue Next Year6.57%
Revenue Next 2Y6.31%
Revenue Next 3Y6.25%
Revenue Next 5Y6.95%
EBIT growth 1Y69.63%
EBIT growth 3Y-3.85%
EBIT growth 5Y1.02%
EBIT Next Year81.36%
EBIT Next 3Y11.53%
EBIT Next 5YN/A
FCF growth 1Y132.87%
FCF growth 3Y22.27%
FCF growth 5Y13.18%
OCF growth 1Y122.15%
OCF growth 3Y20.41%
OCF growth 5Y11.73%
ALLSTATE CORP / ALL FAQ
Can you provide the ChartMill fundamental rating for ALLSTATE CORP?
ChartMill assigns a fundamental rating of 5 / 10 to ALL.
Can you provide the valuation status for ALLSTATE CORP?
ChartMill assigns a valuation rating of 7 / 10 to ALLSTATE CORP (ALL). This can be considered as Undervalued.
Can you provide the profitability details for ALLSTATE CORP?
ALLSTATE CORP (ALL) has a profitability rating of 4 / 10.
Can you provide the financial health for ALL stock?
The financial health rating of ALLSTATE CORP (ALL) is 3 / 10.
What is the earnings growth outlook for ALLSTATE CORP?
The Earnings per Share (EPS) of ALLSTATE CORP (ALL) is expected to grow by 60.59% in the next year.