ALLSTATE CORP (ALL) Stock Fundamental Analysis

NYSE:ALL • US0200021014

206.37 USD
+3.15 (+1.55%)
At close: Feb 20, 2026
206.37 USD
0 (0%)
After Hours: 2/20/2026, 8:16:40 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ALL. ALL was compared to 150 industry peers in the Insurance industry. ALL has only an average score on both its financial health and profitability. ALL has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year ALL was profitable.
  • ALL had a positive operating cash flow in the past year.
  • In multiple years ALL reported negative net income over the last 5 years.
  • ALL had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

1.2 Ratios

  • With an excellent Return On Assets value of 6.86%, ALL belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
  • With an excellent Return On Equity value of 30.03%, ALL belongs to the best of the industry, outperforming 96.00% of the companies in the same industry.
Industry RankSector Rank
ROA 6.86%
ROE 30.03%
ROIC N/A
ROA(3y)4.09%
ROA(5y)2.46%
ROE(3y)17.55%
ROE(5y)10.09%
ROIC(3y)N/A
ROIC(5y)N/A
ALL Yearly ROA, ROE, ROICALL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

1.3 Margins

  • With a decent Profit Margin value of 12.36%, ALL is doing good in the industry, outperforming 68.00% of the companies in the same industry.
  • ALL's Profit Margin has improved in the last couple of years.
  • ALL has a Operating Margin (14.27%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of ALL has declined.
Industry RankSector Rank
OM 14.27%
PM (TTM) 12.36%
GM N/A
OM growth 3YN/A
OM growth 5Y-2.22%
PM growth 3YN/A
PM growth 5Y2.88%
GM growth 3YN/A
GM growth 5YN/A
ALL Yearly Profit, Operating, Gross MarginsALL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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 less shares outstanding
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
ALL Yearly Total Debt VS Total AssetsALL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

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.
  • Looking at the Debt to FCF ratio, with a value of 0.94, ALL is in the better half of the industry, outperforming 71.33% of the companies in the same industry.
  • A Debt/Equity ratio of 0.29 indicates that ALL is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.29, ALL perfoms like the industry average, outperforming 55.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.94
Altman-Z N/A
ROIC/WACCN/A
WACC8.1%
ALL Yearly LT Debt VS Equity VS FCFALL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 90.78% 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 18.73% yearly.
  • Looking at the last year, ALL shows a small growth in Revenue. The Revenue has grown by 5.58% in the last year.
  • The Revenue has been growing by 10.06% on average over the past years. This is quite good.
EPS 1Y (TTM)90.78%
EPS 3YN/A
EPS 5Y18.73%
EPS Q2Q%86.57%
Revenue 1Y (TTM)5.58%
Revenue growth 3Y9.6%
Revenue growth 5Y10.06%
Sales Q2Q%5.92%

3.2 Future

  • Based on estimates for the next years, ALL will show a very negative growth in Earnings Per Share. The EPS will decrease by -15.80% on average per year.
  • Based on estimates for the next years, ALL will show a small growth in Revenue. The Revenue will grow by 6.94% on average per year.
EPS Next Y-29.66%
EPS Next 2Y-15.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.73%
Revenue Next 2Y5.84%
Revenue Next 3Y8.67%
Revenue Next 5Y6.94%

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.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 10 20 30

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.90, which indicates a rather cheap valuation of ALL.
  • Compared to the rest of the industry, the Price/Earnings ratio of ALL indicates a rather cheap valuation: ALL is cheaper than 82.00% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. ALL is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.39, the valuation of ALL can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, ALL is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
  • ALL is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.9
Fwd PE 8.39
ALL Price Earnings VS Forward Price EarningsALL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ALL is valued a bit cheaper than 74.67% of the companies in the same industry.
  • 64.67% of the companies in the same industry are more expensive than ALL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.21
EV/EBITDA 6.04
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

  • A cheap valuation may be justified as ALL's earnings are expected to decrease with -15.80% in the coming years.
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2Y-15.8%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.13%, ALL has a reasonable but not impressive dividend return.
  • ALL's Dividend Yield is comparable with the industry average which is at 2.64.
  • Compared to an average S&P500 Dividend Yield of 1.81, ALL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.13%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0 0 0 0

5.3 Sustainability

  • ALL pays out 13.72% of its income as dividend. This is a sustainable payout ratio.
DP13.72%
EPS Next 2Y-15.8%
EPS Next 3YN/A
ALL Yearly Income VS Free CF VS DividendALL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B
ALL Dividend Payout.ALL Dividend Payout, showing the Payout Ratio.ALL Dividend Payout.PayoutRetained Earnings

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ALLSTATE CORP

NYSE:ALL (2/20/2026, 8:16:40 PM)

After market: 206.37 0 (0%)

206.37

+3.15 (+1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners81.01%
Inst Owner Change1%
Ins Owners0.51%
Ins Owner Change-1.97%
Market Cap53.66B
Revenue(TTM)67.69B
Net Income(TTM)8.26B
Analysts77.14
Price Target245.31 (18.87%)
Short Float %2.44%
Short Ratio3.58
Dividend
Industry RankSector Rank
Dividend Yield 2.13%
Yearly Dividend4.09
Dividend Growth(5Y)11.11%
DP13.72%
Div Incr Years14
Div Non Decr Years15
Ex-Date03-02
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)-0.17%
PT rev (3m)-0.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)22.6%
EPS NY rev (1m)0.13%
EPS NY rev (3m)5.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-1.05%
Valuation
Industry RankSector Rank
PE 5.9
Fwd PE 8.39
P/S 0.8
P/FCF 6.21
P/OCF 6.08
P/B 1.95
P/tB 2.2
EV/EBITDA 6.04
EPS(TTM)34.95
EY16.94%
EPS(NY)24.58
Fwd EY11.91%
FCF(TTM)33.22
FCFY16.1%
OCF(TTM)33.95
OCFY16.45%
SpS257.1
BVpS105.79
TBVpS93.8
PEG (NY)N/A
PEG (5Y)0.32
Graham Number288.43
Profitability
Industry RankSector 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)4.09%
ROA(5y)2.46%
ROE(3y)17.55%
ROE(5y)10.09%
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 3YN/A
OM growth 5Y-2.22%
PM growth 3YN/A
PM growth 5Y2.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.56
Health
Industry RankSector 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-Score8
WACC8.1%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)90.78%
EPS 3YN/A
EPS 5Y18.73%
EPS Q2Q%86.57%
EPS Next Y-29.66%
EPS Next 2Y-15.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.58%
Revenue growth 3Y9.6%
Revenue growth 5Y10.06%
Sales Q2Q%5.92%
Revenue Next Year5.73%
Revenue Next 2Y5.84%
Revenue Next 3Y8.67%
Revenue Next 5Y6.94%
EBIT growth 1Y69.63%
EBIT growth 3YN/A
EBIT growth 5Y7.62%
EBIT Next Year15.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y4.44%
OCF growth 3YN/A
OCF growth 5YN/A

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 6 / 10 to ALLSTATE CORP (ALL). This can be considered as Fairly Valued.


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 4 / 10.


What is the earnings growth outlook for ALLSTATE CORP?

The Earnings per Share (EPS) of ALLSTATE CORP (ALL) is expected to decline by -29.66% in the next year.