ALLSTATE CORP (ALS.DE) Fundamental Analysis & Valuation
FRA:ALS • US0200021014
183.7 EUR
+0.15 (+0.08%)
Last: Mar 4, 2026, 07:00 PM
This ALS.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall ALS gets a fundamental rating of 6 out of 10. We evaluated ALS against 47 industry peers in the Insurance industry. Both the profitability and the financial health of ALS get a neutral evaluation. Nothing too spectacular is happening here. ALS scores decently on growth, while it is valued quite cheap. This could make an interesting combination. ALS also has an excellent dividend rating. These ratings would make ALS suitable for value and dividend investing!
1. ALS.DE Profitability Analysis
1.1 Basic Checks
- ALS had positive earnings in the past year.
- ALS had a positive operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: ALS reported negative net income in multiple years.
- In the past 5 years ALS always reported a positive cash flow from operatings.
1.2 Ratios
- ALS has a better Return On Assets (8.49%) than 97.87% of its industry peers.
- ALS has a Return On Equity of 33.21%. This is amongst the best in the industry. ALS outperforms 95.74% of its industry peers.
- With an excellent Return On Invested Capital value of 7.93%, ALS belongs to the best of the industry, outperforming 93.62% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for ALS is in line with the industry average of 3.45%.
- The 3 year average ROIC (4.16%) for ALS is below the current ROIC(7.93%), indicating increased profibility in the last year.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 15.02%, ALS is in the better half of the industry, outperforming 78.72% of the companies in the same industry.
- In the last couple of years the Profit Margin of ALS has grown nicely.
- ALS has a Operating Margin of 17.75%. This is in the better half of the industry: ALS outperforms 78.72% of its industry peers.
- In the last couple of years the Operating Margin of ALS has declined.
| Industry Rank | Sector 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
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.
- ALS has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for ALS has been reduced compared to 5 years ago.
- ALS has a better debt/assets ratio than last year.
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.
- With an excellent Debt to FCF ratio value of 0.76, ALS belongs to the best of the industry, outperforming 95.74% of the companies in the same industry.
- 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 87.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.98
WACC8.12%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- Measured over the past years, ALS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.73% on average per year.
- Looking at the last year, ALS shows a small growth in Revenue. The Revenue has grown by 5.58% in the last year.
- ALS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.06% yearly.
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 Year5.6%
Revenue Next 2Y5.75%
Revenue Next 3Y6.64%
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.
4. ALS.DE Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 6.08, the valuation of ALS can be described as very cheap.
- Based on the Price/Earnings ratio, ALS is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of ALS to the average of the S&P500 Index (26.29), we can say ALS is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 8.33, the valuation of ALS can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ALS indicates a rather cheap valuation: ALS is cheaper than 80.85% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.60. ALS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.08 | ||
| Fwd PE | 8.33 |
4.2 Price Multiples
- 95.74% of the companies in the same industry are more expensive than ALS, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, ALS is valued a bit cheaper than the industry average as 68.09% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.58 | ||
| EV/EBITDA | 4.96 |
4.3 Compensation for Growth
- The decent profitability rating of ALS may justify a higher PE ratio.
- A cheap valuation may be justified as ALS's earnings are expected to decrease with -10.01% in the coming years.
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2Y-14.64%
EPS Next 3Y-10.01%
5. ALS.DE Dividend Analysis
5.1 Amount
- ALS has a Yearly Dividend Yield of 6.03%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.21, ALS pays a better dividend. On top of this ALS pays more dividend than 80.85% of the companies listed in the same industry.
- ALS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.03% |
5.2 History
- On average, the dividend of ALS grows each year by 12.01%, which is quite nice.
Dividend Growth(5Y)12.01%
Div Incr Years0
Div Non Decr Years0
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 Fundamentals: All Metrics, Ratios and Statistics
FRA:ALS (3/4/2026, 7:00:00 PM)
183.7
+0.15 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)04-29 2026-04-29/amc
Inst Owners82.4%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap47.68B
Revenue(TTM)67.69B
Net Income(TTM)10.16B
Analysts77.14
Price Target207.79 (13.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.03% |
Yearly Dividend3.8
Dividend Growth(5Y)12.01%
DP11.34%
Div Incr Years0
Div Non Decr Years0
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)3.64%
EPS NQ rev (3m)3.95%
EPS NY rev (1m)3.68%
EPS NY rev (3m)4.4%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)-0.57%
Revenue NY rev (3m)-0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.08 | ||
| Fwd PE | 8.33 | ||
| P/S | 0.81 | ||
| P/FCF | 5.58 | ||
| P/OCF | 5.45 | ||
| P/B | 1.8 | ||
| P/tB | 2 | ||
| EV/EBITDA | 4.96 |
EPS(TTM)30.23
EY16.46%
EPS(NY)22.05
Fwd EY12%
FCF(TTM)32.93
FCFY17.93%
OCF(TTM)33.69
OCFY18.34%
SpS225.58
BVpS102.01
TBVpS91.62
PEG (NY)N/A
PEG (5Y)0.32
Graham Number263.42
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.12%
ROIC/WACC0.98
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 Year5.6%
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 / ALS.DE 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.
How profitable is ALLSTATE CORP (ALS.DE) stock?
ALLSTATE CORP (ALS.DE) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for ALS stock?
The Price/Earnings (PE) ratio for ALLSTATE CORP (ALS.DE) is 6.08 and the Price/Book (PB) ratio is 1.8.
Can you provide the expected EPS growth for ALS stock?
The Earnings per Share (EPS) of ALLSTATE CORP (ALS.DE) is expected to decline by -27.08% in the next year.