ALLSTATE CORP (ALL) Fundamental Analysis & Valuation

NYSE:ALL • US0200021014

Current stock price

202.71 USD
-4.45 (-2.15%)
At close:
200.43 USD
-2.28 (-1.12%)
After Hours:

This ALL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ALL Profitability Analysis

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.
  • In the past 5 years ALL always reported a positive cash flow from operatings.
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

  • The Return On Assets of ALL (8.49%) is better than 91.84% of its industry peers.
  • The Return On Equity of ALL (33.21%) is better than 95.92% of its industry peers.
  • ALL has a better Return On Invested Capital (7.93%) than 85.71% of its industry peers.
  • ALL had an Average Return On Invested Capital over the past 3 years of 4.16%. This is significantly below the industry average of 9.36%.
  • The 3 year average ROIC (4.16%) for ALL is below the current ROIC(7.93%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 8.49%
ROE 33.21%
ROIC 7.93%
ROA(3y)4.09%
ROA(5y)2.46%
ROE(3y)17.55%
ROE(5y)10.09%
ROIC(3y)4.16%
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

  • ALL has a better Profit Margin (15.02%) than 76.19% of its industry peers.
  • ALL's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 17.75%, ALL is doing good in the industry, outperforming 70.07% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ALL has declined.
Industry RankSector Rank
OM 17.75%
PM (TTM) 15.02%
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. ALL Health Analysis

2.1 Basic Checks

  • ALL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for ALL has been reduced compared to 1 year ago.
  • 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 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

  • The Debt to FCF ratio of ALL is 0.76, which is an excellent value as it means it would take ALL, only 0.76 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of ALL (0.76) is better than 72.79% of its industry peers.
  • ALL has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • ALL has a Debt to Equity ratio of 0.24. This is in the better half of the industry: ALL outperforms 61.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACC0.94
WACC8.43%
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 2025 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. ALL Growth Analysis

3.1 Past

  • ALL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 90.78%, which is quite impressive.
  • 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

  • ALL is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.01% yearly.
  • The Revenue is expected to grow by 6.94% on average over the next years.
EPS Next Y-27.08%
EPS Next 2Y-14.64%
EPS Next 3Y-10.01%
EPS Next 5YN/A
Revenue Next Year5.6%
Revenue Next 2Y5.75%
Revenue Next 3Y6.64%
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.
  • 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 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 2028 0 10 20 30

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6

4. ALL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.80, which indicates a rather cheap valuation of ALL.
  • Based on the Price/Earnings ratio, ALL is valued a bit cheaper than the industry average as 77.55% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 24.89. ALL is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.95, 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 67.35% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. ALL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.8
Fwd PE 7.95
ALL Price Earnings VS Forward Price EarningsALL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ALL is valued a bit cheaper than 76.19% of the companies in the same industry.
  • 63.27% 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 5.32
EV/EBITDA 4.76
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

  • The decent profitability rating of ALL may justify a higher PE ratio.
  • ALL's earnings are expected to decrease with -10.01% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.31
EPS Next 2Y-14.64%
EPS Next 3Y-10.01%

More info and screens

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

6

5. ALL Dividend Analysis

5.1 Amount

  • ALL has a Yearly Dividend Yield of 2.09%.
  • Compared to an average industry Dividend Yield of 2.50, ALL has a dividend in line with its industry peers.
  • ALL's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.09%

5.2 History

  • On average, the dividend of ALL grows each year by 12.01%, which is quite nice.
  • ALL has paid a dividend for at least 10 years, which is 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)12.01%
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

  • 11.34% of the earnings are spent on dividend by ALL. This is a low number and sustainable payout ratio.
DP11.34%
EPS Next 2Y-14.64%
EPS Next 3Y-10.01%
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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ALL Fundamentals: All Metrics, Ratios and Statistics

ALLSTATE CORP

NYSE:ALL (3/27/2026, 8:04:00 PM)

After market: 200.43 -2.28 (-1.12%)

202.71

-4.45 (-2.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners82.4%
Inst Owner Change1.08%
Ins Owners0.54%
Ins Owner Change-4.55%
Market Cap52.61B
Revenue(TTM)67.69B
Net Income(TTM)10.16B
Analysts77.14
Price Target246.52 (21.61%)
Short Float %2.61%
Short Ratio3.82
Dividend
Industry RankSector Rank
Dividend Yield 2.09%
Yearly Dividend4.39
Dividend Growth(5Y)12.01%
DP11.34%
Div Incr Years14
Div Non Decr Years15
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)45.14%
Min EPS beat(2)43.67%
Max EPS beat(2)46.62%
EPS beat(4)4
Avg EPS beat(4)52.62%
Min EPS beat(4)41.32%
Max EPS beat(4)78.86%
EPS beat(8)8
Avg EPS beat(8)82.17%
EPS beat(12)11
Avg EPS beat(12)64.95%
EPS beat(16)13
Avg EPS beat(16)50.46%
Revenue beat(2)0
Avg Revenue beat(2)-1.24%
Min Revenue beat(2)-1.29%
Max Revenue beat(2)-1.19%
Revenue beat(4)1
Avg Revenue beat(4)-0.62%
Min Revenue beat(4)-2.24%
Max Revenue beat(4)2.27%
Revenue beat(8)2
Avg Revenue beat(8)-0.67%
Revenue beat(12)2
Avg Revenue beat(12)-0.8%
Revenue beat(16)6
Avg Revenue beat(16)2.8%
PT rev (1m)-0.58%
PT rev (3m)0.33%
EPS NQ rev (1m)6.29%
EPS NQ rev (3m)9.77%
EPS NY rev (1m)3.68%
EPS NY rev (3m)4.52%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-0.39%
Valuation
Industry RankSector Rank
PE 5.8
Fwd PE 7.95
P/S 0.78
P/FCF 5.32
P/OCF 5.2
P/B 1.72
P/tB 1.91
EV/EBITDA 4.76
EPS(TTM)34.95
EY17.24%
EPS(NY)25.49
Fwd EY12.57%
FCF(TTM)38.08
FCFY18.78%
OCF(TTM)38.95
OCFY19.22%
SpS260.79
BVpS117.94
TBVpS105.93
PEG (NY)N/A
PEG (5Y)0.31
Graham Number304.54
Profitability
Industry RankSector Rank
ROA 8.49%
ROE 33.21%
ROCE 10.05%
ROIC 7.93%
ROICexc 7.98%
ROICexgc 9.36%
OM 17.75%
PM (TTM) 15.02%
GM N/A
FCFM 14.6%
ROA(3y)4.09%
ROA(5y)2.46%
ROE(3y)17.55%
ROE(5y)10.09%
ROIC(3y)4.16%
ROIC(5y)N/A
ROICexc(3y)4.19%
ROICexc(5y)N/A
ROICexgc(3y)4.94%
ROICexgc(5y)N/A
ROCE(3y)5.28%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y8.64%
ROICexc growth 3YN/A
ROICexc growth 5Y8.72%
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-Score7
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.76
Debt/EBITDA 0.6
Cap/Depr 47.3%
Cap/Sales 0.34%
Interest Coverage 30.41
Cash Conversion 80.91%
Profit Quality 97.22%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.43%
ROIC/WACC0.94
Cap/Depr(3y)41.02%
Cap/Depr(5y)40.88%
Cap/Sales(3y)0.38%
Cap/Sales(5y)0.53%
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-27.08%
EPS Next 2Y-14.64%
EPS Next 3Y-10.01%
EPS Next 5YN/A
Revenue 1Y (TTM)5.58%
Revenue growth 3Y9.6%
Revenue growth 5Y10.06%
Sales Q2Q%5.92%
Revenue Next Year5.6%
Revenue Next 2Y5.75%
Revenue Next 3Y6.64%
Revenue Next 5Y6.94%
EBIT growth 1Y93.07%
EBIT growth 3YN/A
EBIT growth 5Y7.62%
EBIT Next Year21.76%
EBIT Next 3Y4.57%
EBIT Next 5YN/A
FCF growth 1Y13.31%
FCF growth 3Y28.1%
FCF growth 5Y13.78%
OCF growth 1Y13.2%
OCF growth 3Y25.45%
OCF growth 5Y12.98%

ALLSTATE CORP / ALL Fundamental Analysis 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 6 / 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 -27.08% in the next year.