ALLSTATE CORP (ALS.DE) Fundamental Analysis & Valuation

FRA:ALS • US0200021014

Current stock price

178.75 EUR
+2.9 (+1.65%)
Last:

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

7

1. ALS.DE Profitability Analysis

1.1 Basic Checks

  • ALS had positive earnings in the past year.
  • In the past year ALS had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: ALS reported negative net income in multiple years.
  • Each year in the past 5 years ALS had a positive operating cash flow.
ALS.DE Yearly Net Income VS EBIT VS OCF VS FCFALS.DE 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 ALS (8.49%) is better than 97.62% of its industry peers.
  • ALS has a better Return On Equity (33.21%) than 97.62% of its industry peers.
  • With an excellent Return On Invested Capital value of 7.93%, ALS belongs to the best of the industry, outperforming 97.62% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ALS is in line with the industry average of 3.02%.
  • The last Return On Invested Capital (7.93%) for ALS is above the 3 year average (4.16%), which is a sign of increasing profitability.
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
ALS.DE Yearly ROA, ROE, ROICALS.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

1.3 Margins

  • With an excellent Profit Margin value of 15.02%, ALS belongs to the best of the industry, outperforming 80.95% of the companies in the same industry.
  • ALS's Profit Margin has improved in the last couple of years.
  • ALS's Operating Margin of 17.75% is fine compared to the rest of the industry. ALS outperforms 78.57% of its industry peers.
  • ALS's Operating Margin has declined in the last couple of years.
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
ALS.DE Yearly Profit, Operating, Gross MarginsALS.DE 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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5

2. ALS.DE Health Analysis

2.1 Basic Checks

  • ALS 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 ALS has been reduced compared to 1 year ago.
  • ALS has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ALS has been reduced compared to a year ago.
ALS.DE Yearly Shares OutstandingALS.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
ALS.DE Yearly Total Debt VS Total AssetsALS.DE 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 ALS is 0.76, which is an excellent value as it means it would take ALS, only 0.76 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of ALS (0.76) is better than 95.24% of its industry peers.
  • ALS has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.24, ALS belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACC0.96
WACC8.27%
ALS.DE Yearly LT Debt VS Equity VS FCFALS.DE 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
ALS.DE Yearly Current Assets VS Current LiabilitesALS.DE 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. ALS.DE Growth Analysis

3.1 Past

  • ALS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 90.78%, which is quite impressive.
  • The Earnings Per Share has been growing by 18.73% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 5.58% in the past year.
  • Measured over the past years, ALS shows a quite strong growth in Revenue. The Revenue has been growing by 10.06% on average per year.
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%-11.72%

3.2 Future

  • Based on estimates for the next years, ALS will show a very negative growth in Earnings Per Share. The EPS will decrease by -10.01% on average per year.
  • ALS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.94% yearly.
EPS Next Y-27.08%
EPS Next 2Y-14.64%
EPS Next 3Y-10.01%
EPS Next 5YN/A
Revenue Next Year5.65%
Revenue Next 2Y5.77%
Revenue Next 3Y6.68%
Revenue Next 5Y6.94%

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.
ALS.DE Yearly Revenue VS EstimatesALS.DE 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
ALS.DE Yearly EPS VS EstimatesALS.DE 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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7

4. ALS.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.89 indicates a rather cheap valuation of ALS.
  • Based on the Price/Earnings ratio, ALS is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, ALS is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.08, the valuation of ALS can be described as reasonable.
  • 90.48% of the companies in the same industry are more expensive than ALS, based on the Price/Forward Earnings ratio.
  • ALS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.89
Fwd PE 8.08
ALS.DE Price Earnings VS Forward Price EarningsALS.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ALS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ALS is cheaper than 90.48% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, ALS is valued a bit cheaper than 71.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.41
EV/EBITDA 4.82
ALS.DE Per share dataALS.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

  • The decent profitability rating of ALS may justify a higher PE ratio.
  • ALS'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%

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

4

5. ALS.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.13%, ALS has a reasonable but not impressive dividend return.
  • ALS's Dividend Yield is slightly below the industry average, which is at 4.54.
  • Compared to an average S&P500 Dividend Yield of 1.89, ALS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.13%

5.2 History

  • The dividend of ALS is nicely growing with an annual growth rate of 12.01%!
Dividend Growth(5Y)12.01%
Div Incr Years1
Div Non Decr Years1
ALS.DE Yearly Dividends per shareALS.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2025 2026 1 2 3

5.3 Sustainability

  • ALS pays out 11.34% of its income as dividend. This is a sustainable payout ratio.
DP11.34%
EPS Next 2Y-14.64%
EPS Next 3Y-10.01%
ALS.DE Yearly Income VS Free CF VS DividendALS.DE 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
ALS.DE Dividend Payout.ALS.DE Dividend Payout, showing the Payout Ratio.ALS.DE Dividend Payout.PayoutRetained Earnings

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ALS.DE Fundamentals: All Metrics, Ratios and Statistics

ALLSTATE CORP

FRA:ALS (4/2/2026, 7:00:00 PM)

178.75

+2.9 (+1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners82.4%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap46.39B
Revenue(TTM)67.69B
Net Income(TTM)10.16B
Analysts76.43
Price Target207.79 (16.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.13%
Yearly Dividend3.81
Dividend Growth(5Y)12.01%
DP11.34%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)3.24%
Min Revenue beat(4)-2.24%
Max Revenue beat(4)17.68%
Revenue beat(8)5
Avg Revenue beat(8)8.55%
Revenue beat(12)9
Avg Revenue beat(12)9.79%
Revenue beat(16)13
Avg Revenue beat(16)10.75%
PT rev (1m)0%
PT rev (3m)2.05%
EPS NQ rev (1m)6.51%
EPS NQ rev (3m)10.42%
EPS NY rev (1m)0%
EPS NY rev (3m)4.52%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-0.34%
Valuation
Industry RankSector Rank
PE 5.89
Fwd PE 8.08
P/S 0.79
P/FCF 5.41
P/OCF 5.29
P/B 1.75
P/tB 1.94
EV/EBITDA 4.82
EPS(TTM)30.33
EY16.97%
EPS(NY)22.11
Fwd EY12.37%
FCF(TTM)33.04
FCFY18.48%
OCF(TTM)33.8
OCFY18.91%
SpS226.28
BVpS102.33
TBVpS91.91
PEG (NY)N/A
PEG (5Y)0.31
Graham Number264.26
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
WACC8.27%
ROIC/WACC0.96
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%-11.72%
Revenue Next Year5.65%
Revenue Next 2Y5.77%
Revenue Next 3Y6.68%
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 / ALS.DE Fundamental Analysis FAQ

What is the fundamental rating for ALS stock?

ChartMill assigns a fundamental rating of 6 / 10 to ALS.DE.


What is the valuation status of ALLSTATE CORP (ALS.DE) stock?

ChartMill assigns a valuation rating of 7 / 10 to ALLSTATE CORP (ALS.DE). This can be considered as Undervalued.


Can you provide the profitability details for ALLSTATE CORP?

ALLSTATE CORP (ALS.DE) has a profitability rating of 7 / 10.


What is the valuation of ALLSTATE CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ALLSTATE CORP (ALS.DE) is 5.89 and the Price/Book (PB) ratio is 1.75.


How sustainable is the dividend of ALLSTATE CORP (ALS.DE) stock?

The dividend rating of ALLSTATE CORP (ALS.DE) is 4 / 10 and the dividend payout ratio is 11.34%.