ALLSTATE CORP(NYSE:ALL) stock Fundamental Analysis

Fundamental Rating

Overall ALL gets a fundamental rating of 4 out of 10. We evaluated ALL against 143 industry peers in the Insurance industry. Both the profitability and financial health of ALL have multiple concerns. ALL has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

ALL had positive earnings in the past year.

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.

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

1.2 Ratios

The Return On Assets of ALL (3.41%) is better than 74.83% of its industry peers.

ALL has a better Return On Equity (17.81%) than 80.42% of its industry peers.

		Industry Rank	Sector Rank
ROA	3.41%
ROE	17.81%
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 Profit Margin (6.01%) which is comparable to the rest of the industry.

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

The Operating Margin of ALL (8.40%) is comparable to the rest of the industry.

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

		Industry Rank	Sector Rank
OM	8.4%
PM (TTM)	6.01%
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.

Compared to 1 year ago, ALL has more shares outstanding

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 0.90. This is a very positive value and a sign of high solvency as it would only need 0.90 years to pay back of all of its debts.

ALL has a better Debt to FCF ratio (0.90) than 67.13% of its industry peers.

A Debt/Equity ratio of 0.37 indicates that ALL is not too dependend on debt financing.

ALL has a Debt to Equity ratio (0.37) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.37
Debt/FCF	0.9
Altman-Z	N/A

ROIC/WACCN/A

WACC8.35%

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 127.79% 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 11.88% yearly.

ALL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.49%.

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

EPS 1Y (TTM)127.79%

EPS 3Y11.04%

EPS 5Y11.88%

EPS Q2Q%-31.19%

Revenue 1Y (TTM)11.49%

Revenue growth 3Y8.21%

Revenue growth 5Y9.06%

Sales Q2Q%27.44%

3.2 Future

The Earnings Per Share is expected to grow by 8.14% 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 Y-4.23%

EPS Next 2Y8.32%

EPS Next 3Y8.14%

EPS Next 5YN/A

Revenue Next Year7.29%

Revenue Next 2Y7.75%

Revenue Next 3Y7.55%

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 decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.12, ALL is valued correctly.

ALL's Price/Earnings is on the same level as the industry average.

ALL is valuated rather cheaply when we compare the Price/Earnings ratio to 24.21, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 9.43, which indicates a very decent valuation of ALL.

The rest of the industry has a similar Price/Forward Earnings ratio as ALL.

ALL is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.44, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.12
Fwd PE	9.43

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as ALL.

69.23% 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	5.99
EV/EBITDA	10.09

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.02

EPS Next 2Y8.32%

EPS Next 3Y8.14%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.97%, ALL has a reasonable but not impressive dividend return.

ALL's Dividend Yield is comparable with the industry average which is at 3.21.

Compared to an average S&P500 Dividend Yield of 2.41, ALL has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.97%

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 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

27.76% 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.

DP27.76%

EPS Next 2Y8.32%

EPS Next 3Y8.14%

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ALLSTATE CORP

NYSE:ALL (5/9/2025, 8:04:00 PM)

After market: 201.12 -1.52 (-0.75%)

202.64

+0.02 (+0.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)04-30 2025-04-30/amc

Earnings (Next)07-30 2025-07-30/amc

Inst Owners79.83%

Inst Owner Change-1.16%

Ins Owners0.53%

Ins Owner Change3.65%

Market Cap53.73B

Analysts80.8

Price Target236.37 (16.65%)

Short Float %1.49%

Short Ratio1.93

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.97%

Yearly Dividend4.09

Dividend Growth(5Y)11.11%

DP27.76%

Div Incr Years14

Div Non Decr Years15

Ex-Date03-10 2025-03-10 (1)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)17.07%

Min EPS beat(2)13.51%

Max EPS beat(2)20.62%

EPS beat(4)4

Avg EPS beat(4)107.87%

Min EPS beat(4)13.51%

Max EPS beat(4)333.04%

EPS beat(8)7

Avg EPS beat(8)71.62%

EPS beat(12)10

Avg EPS beat(12)51.85%

EPS beat(16)11

Avg EPS beat(16)35.67%

Revenue beat(2)1

Avg Revenue beat(2)9.26%

Min Revenue beat(2)-1.71%

Max Revenue beat(2)20.23%

Revenue beat(4)1

Avg Revenue beat(4)3.99%

Min Revenue beat(4)-2.51%

Max Revenue beat(4)20.23%

Revenue beat(8)2

Avg Revenue beat(8)1.72%

Revenue beat(12)5

Avg Revenue beat(12)4.08%

Revenue beat(16)9

Avg Revenue beat(16)8.26%

PT rev (1m)0.86%

PT rev (3m)1.14%

EPS NQ rev (1m)-1.1%

EPS NQ rev (3m)-1.21%

EPS NY rev (1m)-2.36%

EPS NY rev (3m)-7.48%

Revenue NQ rev (1m)-0.3%

Revenue NQ rev (3m)-1.28%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)-0.39%

Valuation

		Industry Rank	Sector Rank
PE	12.12
Fwd PE	9.43
P/S	0.82
P/FCF	5.99
P/OCF	5.82
P/B	2.44
P/tB	2.84
EV/EBITDA	10.09

EPS(TTM)16.72

EY8.25%

EPS(NY)21.5

Fwd EY10.61%

FCF(TTM)33.82

FCFY16.69%

OCF(TTM)34.81

OCFY17.18%

SpS246.28

BVpS83.18

TBVpS71.43

PEG (NY)N/A

PEG (5Y)1.02

Profitability

		Industry Rank	Sector Rank
ROA	3.41%
ROE	17.81%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	8.4%
PM (TTM)	6.01%
GM	N/A
FCFM	13.73%

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	0.37
Debt/FCF	0.9
Debt/EBITDA	1.34
Cap/Depr	47.03%
Cap/Sales	0.4%
Interest Coverage	250
Cash Conversion	152.77%
Profit Quality	228.37%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC8.35%

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)127.79%

EPS 3Y11.04%

EPS 5Y11.88%

EPS Q2Q%-31.19%

EPS Next Y-4.23%

EPS Next 2Y8.32%

EPS Next 3Y8.14%

EPS Next 5YN/A

Revenue 1Y (TTM)11.49%

Revenue growth 3Y8.21%

Revenue growth 5Y9.06%

Sales Q2Q%27.44%

Revenue Next Year7.29%

Revenue Next 2Y7.75%

Revenue Next 3Y7.55%

Revenue Next 5Y6.95%

EBIT growth 1Y165.8%

EBIT growth 3Y-3.85%

EBIT growth 5Y1.02%

EBIT Next Year18.14%

EBIT Next 3Y13.31%

EBIT Next 5YN/A

FCF growth 1Y82.24%

FCF growth 3Y22.27%

FCF growth 5Y13.18%

OCF growth 1Y74.46%

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