ALL Fundamental Analysis - ALLSTATE CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to ALL. ALL was compared to 146 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.

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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.

Each year in the past 5 years ALL had a positive operating cash flow.

1.2 Ratios

ALL has a better Return On Assets (4.92%) than 86.30% of its industry peers.

Looking at the Return On Equity, with a value of 23.75%, ALL belongs to the top of the industry, outperforming 91.10% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

ALL's Profit Margin of 8.62% is in line compared to the rest of the industry. ALL outperforms 56.85% of its industry peers.

In the last couple of years the Profit Margin of ALL has declined.

ALL has a Operating Margin of 10.38%. This is comparable to the rest of the industry: ALL outperforms 47.95% of its industry peers.

ALL's Operating Margin has declined in the last couple of years.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ALL does not have a ROIC to compare to the WACC, probably because it is not profitable.

ALL has more shares outstanding than it did 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.

2.2 Solvency

The Debt to FCF ratio of ALL is 0.95, which is an excellent value as it means it would take ALL, only 0.95 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 0.95, ALL is doing good in the industry, outperforming 70.55% of the companies in the same industry.

ALL has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.34, ALL perfoms like the industry average, outperforming 42.47% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	0.95
Altman-Z	N/A

ROIC/WACCN/A

WACC8.06%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

Looking at the last year, ALL shows a quite strong growth in Revenue. The Revenue has grown by 9.81% in the last year.

The Revenue has been growing by 9.06% on average over the past years. This is quite good.

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 8.93% 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 Y18.54%

EPS Next 2Y12.6%

EPS Next 3Y8.93%

EPS Next 5YN/A

Revenue Next Year7.06%

Revenue Next 2Y7.2%

Revenue Next 3Y7.07%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.51, the valuation of ALL can be described as very reasonable.

Based on the Price/Earnings ratio, ALL is valued a bit cheaper than 68.49% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.07, ALL is valued rather cheaply.

ALL is valuated reasonably with a Price/Forward Earnings ratio of 8.62.

Based on the Price/Forward Earnings ratio, ALL is valued a bit cheaper than the industry average as 65.07% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of ALL to the average of the S&P500 Index (22.59), we can say ALL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.51
Fwd PE	8.62

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ALL is valued a bit cheaper than 60.96% of the companies in the same industry.

69.18% of the companies in the same industry are more expensive than ALL, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	6.18
EV/EBITDA	8.06

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)0.51

PEG (5Y)0.8

EPS Next 2Y12.6%

EPS Next 3Y8.93%

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5. Dividend

5.1 Amount

ALL has a Yearly Dividend Yield of 1.92%.

ALL's Dividend Yield is comparable with the industry average which is at 3.63.

Compared to the average S&P500 Dividend Yield of 2.46, ALL is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.92%

5.2 History

On average, the dividend of ALL grows each year by 11.11%, which is quite nice.

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

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 3Y8.93%

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ALLSTATE CORP

NYSE:ALL (9/10/2025, 10:35:49 AM)

200.24

+0.12 (+0.06%)

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 Owners80.32%

Inst Owner Change-7.47%

Ins Owners0.55%

Ins Owner Change0.34%

Market Cap52.77B

Analysts79.26

Price Target238.32 (19.02%)

Short Float %1.21%

Short Ratio2.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.92%

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)-0.77%

PT rev (3m)0.19%

EPS NQ rev (1m)9.77%

EPS NQ rev (3m)15.64%

EPS NY rev (1m)18.42%

EPS NY rev (3m)21.51%

Revenue NQ rev (1m)-0.84%

Revenue NQ rev (3m)0.7%

Revenue NY rev (1m)-0.53%

Revenue NY rev (3m)-0.34%

Valuation

		Industry Rank	Sector Rank
PE	9.51
Fwd PE	8.62
P/S	0.8
P/FCF	6.18
P/OCF	6.04
P/B	2.2
P/tB	2.52
EV/EBITDA	8.06

EPS(TTM)21.05

EY10.51%

EPS(NY)23.23

Fwd EY11.6%

FCF(TTM)32.4

FCFY16.18%

OCF(TTM)33.18

OCFY16.57%

SpS251.29

BVpS91.15

TBVpS79.32

PEG (NY)0.51

PEG (5Y)0.8

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC8.06%

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 Y18.54%

EPS Next 2Y12.6%

EPS Next 3Y8.93%

EPS Next 5YN/A

Revenue 1Y (TTM)9.81%

Revenue growth 3Y8.21%

Revenue growth 5Y9.06%

Sales Q2Q%5.38%

Revenue Next Year7.06%

Revenue Next 2Y7.2%

Revenue Next 3Y7.07%

Revenue Next 5Y6.95%

EBIT growth 1Y62.56%

EBIT growth 3Y-3.85%

EBIT growth 5Y1.02%

EBIT Next Year28.44%

EBIT Next 3Y14.08%

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%

ALLSTATE CORP (ALL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens