ALL Fundamental Analysis - ALLSTATE CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to ALL. ALL was compared to 144 industry peers in the Insurance industry. ALL may be in some trouble as it scores bad on both profitability and health. ALL has a decent growth rate and is not valued too expensively. ALL also has an excellent dividend rating.

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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.

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

With a decent Return On Assets value of 3.41%, ALL is doing good in the industry, outperforming 74.31% of the companies in the same industry.

With an excellent Return On Equity value of 17.81%, ALL belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.

		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.

ALL has a Operating Margin of 8.40%. This is comparable to the rest of the industry: ALL outperforms 42.36% of its industry peers.

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

		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.

The number of shares outstanding for ALL has been increased compared to 1 year ago.

ALL has less shares outstanding than it did 5 years ago.

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

2.2 Solvency

The Debt to FCF ratio of ALL is 0.90, which is an excellent value as it means it would take ALL, only 0.90 years of fcf income to pay off all of its debts.

ALL has a better Debt to FCF ratio (0.90) than 68.75% 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 in line with its industry peers.

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

ROIC/WACCN/A

WACC8.32%

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.

The Earnings Per Share has been growing by 11.88% on average over the past years. This is quite good.

The Revenue has grown by 11.49% in the past year. This is quite good.

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%8.45%

3.2 Future

ALL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.77% yearly.

Based on estimates for the next years, ALL will show a small growth in Revenue. The Revenue will grow by 6.95% on average per year.

EPS Next Y-0.85%

EPS Next 2Y9.31%

EPS Next 3Y8.77%

EPS Next 5YN/A

Revenue Next Year7.66%

Revenue Next 2Y7.93%

Revenue Next 3Y7.88%

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

ALL is valuated reasonably with a Price/Earnings ratio of 11.84.

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

The average S&P500 Price/Earnings ratio is at 27.45. ALL is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 9.04, the valuation of ALL can be described as very reasonable.

61.81% of the companies in the same industry are more expensive than ALL, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 21.90. ALL is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.84
Fwd PE	9.04

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ALL is on the same level as its industry peers.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ALL indicates a somewhat cheap valuation: ALL is cheaper than 66.67% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	5.85
EV/EBITDA	9.88

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1

EPS Next 2Y9.31%

EPS Next 3Y8.77%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.11%, ALL is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.51, ALL pays a better dividend. On top of this ALL pays more dividend than 88.19% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.42, ALL pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.11%

5.2 History

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

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)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.

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

DP27.76%

EPS Next 2Y9.31%

EPS Next 3Y8.77%

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ALLSTATE CORP

NYSE:ALL (7/3/2025, 8:27:16 PM)

After market: 198 0 (0%)

198

+3.31 (+1.7%)

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 Owners81.03%

Inst Owner Change1.21%

Ins Owners0.55%

Ins Owner Change3.98%

Market Cap52.43B

Analysts80.8

Price Target237.86 (20.13%)

Short Float %1.59%

Short Ratio2.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.11%

Yearly Dividend4.09

Dividend Growth(5Y)11.11%

DP27.76%

Div Incr Years14

Div Non Decr Years15

Ex-Date06-09 2025-06-09 (1)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)30.97%

Min EPS beat(2)20.62%

Max EPS beat(2)41.32%

EPS beat(4)4

Avg EPS beat(4)114.82%

Min EPS beat(4)20.62%

Max EPS beat(4)333.04%

EPS beat(8)7

Avg EPS beat(8)75.1%

EPS beat(12)10

Avg EPS beat(12)54.17%

EPS beat(16)11

Avg EPS beat(16)37.41%

Revenue beat(2)1

Avg Revenue beat(2)0.28%

Min Revenue beat(2)-1.71%

Max Revenue beat(2)2.27%

Revenue beat(4)1

Avg Revenue beat(4)-0.51%

Min Revenue beat(4)-2.51%

Max Revenue beat(4)2.27%

Revenue beat(8)2

Avg Revenue beat(8)-0.53%

Revenue beat(12)5

Avg Revenue beat(12)2.58%

Revenue beat(16)9

Avg Revenue beat(16)7.14%

PT rev (1m)0.63%

PT rev (3m)1.47%

EPS NQ rev (1m)-0.55%

EPS NQ rev (3m)-0.37%

EPS NY rev (1m)1.64%

EPS NY rev (3m)1.08%

Revenue NQ rev (1m)0.35%

Revenue NQ rev (3m)0.39%

Revenue NY rev (1m)0.21%

Revenue NY rev (3m)0.41%

Valuation

		Industry Rank	Sector Rank
PE	11.84
Fwd PE	9.04
P/S	0.8
P/FCF	5.85
P/OCF	5.68
P/B	2.38
P/tB	2.77
EV/EBITDA	9.88

EPS(TTM)16.72

EY8.44%

EPS(NY)21.89

Fwd EY11.06%

FCF(TTM)33.86

FCFY17.1%

OCF(TTM)34.85

OCFY17.6%

SpS246.58

BVpS83.28

TBVpS71.52

PEG (NY)N/A

PEG (5Y)1

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

WACC8.32%

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-0.85%

EPS Next 2Y9.31%

EPS Next 3Y8.77%

EPS Next 5YN/A

Revenue 1Y (TTM)11.49%

Revenue growth 3Y8.21%

Revenue growth 5Y9.06%

Sales Q2Q%8.45%

Revenue Next Year7.66%

Revenue Next 2Y7.93%

Revenue Next 3Y7.88%

Revenue Next 5Y6.95%

EBIT growth 1Y165.8%

EBIT growth 3Y-3.85%

EBIT growth 5Y1.02%

EBIT Next Year8.65%

EBIT Next 3Y13.87%

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