ALL Fundamental Analysis - ALLSTATE CORP

Fundamental Rating

Overall ALL gets a fundamental rating of 5 out of 10. We evaluated ALL against 148 industry peers in the Insurance industry. ALL has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on ALL.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year ALL was profitable.

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.

ALL had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of ALL (6.86%) is better than 89.86% of its industry peers.

ALL has a better Return On Equity (30.03%) than 95.95% 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

ALL has a better Profit Margin (12.36%) than 67.57% of its industry peers.

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

ALL has a Operating Margin of 14.27%. This is in the better half of the industry: ALL outperforms 60.14% 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

Compared to 5 years ago, ALL has less shares outstanding

ALL has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of ALL is 0.94, which is an excellent value as it means it would take ALL, only 0.94 years of fcf income to pay off all of its debts.

ALL's Debt to FCF ratio of 0.94 is fine compared to the rest of the industry. ALL outperforms 70.95% of its industry peers.

A Debt/Equity ratio of 0.29 indicates that ALL is not too dependend on debt financing.

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

WACC8.19%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

ALL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 71.89%, which is quite impressive.

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.

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

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

Based on estimates for the next years, ALL will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.22% on average per year.

The Revenue is expected to grow by 6.95% on average over the next years.

EPS Next Y59.17%

EPS Next 2Y15.44%

EPS Next 3Y10.22%

EPS Next 5YN/A

Revenue Next Year6.5%

Revenue Next 2Y6.3%

Revenue Next 3Y6.12%

Revenue Next 5Y6.95%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.40, which indicates a rather cheap valuation of ALL.

78.38% of the companies in the same industry are more expensive than ALL, based on the Price/Earnings ratio.

ALL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.50.

ALL is valuated reasonably with a Price/Forward Earnings ratio of 8.58.

67.57% of the companies in the same industry are more expensive than ALL, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.93, ALL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.4
Fwd PE	8.58

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ALL is valued a bit cheaper than 73.65% of the companies in the same industry.

Based on the Price/Free Cash Flow ratio, ALL is valued a bit cheaper than 64.86% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.35
EV/EBITDA	6.13

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)0.13

PEG (5Y)0.62

EPS Next 2Y15.44%

EPS Next 3Y10.22%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.95%, ALL has a reasonable but not impressive dividend return.

ALL's Dividend Yield is comparable with the industry average which is at 2.30.

Compared to an average S&P500 Dividend Yield of 1.87, ALL has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.95%

5.2 History

The dividend of ALL is nicely growing with an annual growth rate of 11.11%!

ALL has been paying a dividend for at least 10 years, so it has 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 13.72% of its income as dividend. This is a sustainable payout ratio.

ALL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP13.72%

EPS Next 2Y15.44%

EPS Next 3Y10.22%

More info and screens

Find the best dividend stocks

Show peers with best dividend

ALLSTATE CORP

NYSE:ALL (12/23/2025, 7:00:00 PM)

After market: 209.55 0 (0%)

209.55

+1.27 (+0.61%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-05 2025-11-05/amc

Earnings (Next)02-03 2026-02-03/amc

Inst Owners80.94%

Inst Owner Change4.29%

Ins Owners0.53%

Ins Owner Change-5.5%

Market Cap54.84B

Revenue(TTM)66.85B

Net Income(TTM)8.26B

Analysts80

Price Target246.57 (17.67%)

Short Float %1.64%

Short Ratio2.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.95%

Yearly Dividend4.09

Dividend Growth(5Y)11.11%

DP13.72%

Div Incr Years14

Div Non Decr Years15

Ex-Date12-01 2025-12-01 (1)

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)2.27%

PT rev (3m)3.59%

EPS NQ rev (1m)2.15%

EPS NQ rev (3m)13.96%

EPS NY rev (1m)19.43%

EPS NY rev (3m)34.27%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.77%

Revenue NY rev (1m)-0.32%

Revenue NY rev (3m)-0.51%

Valuation

		Industry Rank	Sector Rank
PE	7.4
Fwd PE	8.58
P/S	0.82
P/FCF	6.35
P/OCF	6.21
P/B	1.99
P/tB	2.25
EV/EBITDA	6.13

EPS(TTM)28.31

EY13.51%

EPS(NY)24.41

Fwd EY11.65%

FCF(TTM)33.01

FCFY15.75%

OCF(TTM)33.73

OCFY16.1%

SpS255.45

BVpS105.11

TBVpS93.19

PEG (NY)0.13

PEG (5Y)0.62

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

WACC8.19%

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 Y59.17%

EPS Next 2Y15.44%

EPS Next 3Y10.22%

EPS Next 5YN/A

Revenue 1Y (TTM)7.07%

Revenue growth 3Y8.21%

Revenue growth 5Y9.06%

Sales Q2Q%6.28%

Revenue Next Year6.5%

Revenue Next 2Y6.3%

Revenue Next 3Y6.12%

Revenue Next 5Y6.95%

EBIT growth 1Y69.63%

EBIT growth 3Y-3.85%

EBIT growth 5Y1.02%

EBIT Next Year78.07%

EBIT Next 3Y12.54%

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.

What is the valuation status for ALL stock?

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.

What is the earnings growth outlook for ALLSTATE CORP?

The Earnings per Share (EPS) of ALLSTATE CORP (ALL) is expected to grow by 59.17% in the next year.

How sustainable is the dividend of ALLSTATE CORP (ALL) stock?

The dividend rating of ALLSTATE CORP (ALL) is 6 / 10 and the dividend payout ratio is 13.72%.

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

ALLSTATE CORP / ALL FAQ

Can you provide the ChartMill fundamental rating for ALLSTATE CORP?

What is the valuation status for ALL stock?

Can you provide the profitability details for ALLSTATE CORP?

What is the earnings growth outlook for ALLSTATE CORP?

How sustainable is the dividend of ALLSTATE CORP (ALL) stock?