(ALL) The Allstate - Overview

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0200021014

Stock: Auto, Homeowners, Commercial, Life, Health

Total Rating 49

Risk 68

Buy Signal -1.01

Insurance - Property & Casualty » Property & Casualty Insurance
Age: 32.7y

Market Cap: 54,312m
Avg Trading Vol: 340M USD

ATR: 2.23%
Peers RS (IBD): 37.74

EPS (Earnings per Share)

EPS CAGR: 57.91%
EPS Trend: 75.1%

Last SUE: 4.00
Qual. Beats: 9

Revenue

Rev. CAGR: 8.22%
Rev. Trend: 97.1%

Last SUE: -0.92
Qual. Beats: 0

Dividends

Dividend Yield	1.97%
Yield on Cost 5y	4.21%
Yield CAGR 5y	5.41%
Payout Consistency	97.0%
Payout Ratio	11.7%

Risk 5d forecast
Volatility	26.7%
Relative Tail Risk	-5.08%

Reward TTM
Sharpe Ratio	0.35
Alpha	0.58

Character TTM
Beta	0.430
Beta Downside	0.499

Drawdowns 3y
Max DD	25.11%
CAGR/Max DD	0.73

Description: ALL The Allstate January 28, 2026

The Allstate Corporation (NYSE:ALL) is a diversified insurer operating in the United States and Canada through five business segments: Allstate Protection, Run-off Property-Liability, Protection Services, Allstate Health & Benefits, and Corporate & Other. Its product suite spans private-passenger auto, homeowners, personal-line and commercial P&C policies, as well as health-related coverages, identity-theft protection, telematics-driven analytics, and roadside assistance services, delivered via agents, contact centers and digital channels.

In the most recent quarter (Q3 2024), Allstate reported net written premiums of **$12.5 billion**, a **combined ratio of 92.3 %** (indicating underwriting profitability), and an operating profit of **$1.2 billion**, delivering a **return on equity of 11.5 %**. Investment income rose to **4.2 % yield**, up from 3.1 % a year earlier, reflecting the higher interest-rate environment.

Key drivers of Allstate’s outlook include: (1) **Rising interest rates**, which boost investment yields but also increase policyholder borrowing costs; (2) **Elevated auto-insurance claim frequency** linked to more severe weather events and higher vehicle repair costs, pressuring loss ratios; and (3) **Accelerating adoption of telematics**, with a 15 % YoY increase in connected-car data usage, enhancing risk selection and pricing precision.

For a deeper quantitative assessment of Allstate’s valuation dynamics, a quick look at ValueRay’s analytical dashboard can help surface additional risk-adjusted metrics.

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income: 10.28b TTM > 0 and > 6% of Revenue
FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.19 > 1.0
NWC/Revenue: -62.64% < 20% (prev -34.51%; Δ -28.13% < -1%)
CFO/TA 0.07 > 3% & CFO 8.83b > Net Income 10.28b
Net Debt (8.09b) to EBITDA (13.93b): 0.58 < 3
Current Ratio: 0.43 > 1.5 & < 3
Outstanding Shares: last quarter (264.7m) vs 12m ago -1.49% < -2%
Gross Margin: 33.23% > 18% (prev 0.23%; Δ 3300 % > 0.5%)
Asset Turnover: 57.29% > 50% (prev 56.90%; Δ 0.38% > 0%)
Interest Coverage Ratio: 21.41 > 6 (EBITDA TTM 13.93b / Interest Expense TTM 399.0m)

Altman Z'' -0.18

A: -0.35 (Total Current Assets 30.94b - Total Current Liabilities 72.57b) / Total Assets 120.40b
B: 0.49 (Retained Earnings 58.85b / Total Assets 120.40b)
C: 0.07 (EBIT TTM 8.54b / Avg Total Assets 116.01b)
D: 0.0 (Book Value of Equity 0.0 / Total Liabilities 92.91b)
Altman-Z'' Score: -0.18 = B

What is the price of ALL shares?

As of February 08, 2026, the stock is trading at USD 207.55 with a total of 2,325,348 shares traded.
Over the past week, the price has changed by +4.30%, over one month by -0.18%, over three months by +5.31% and over the past year by +10.29%.

Is ALL a buy, sell or hold?

The Allstate has received a consensus analysts rating of 4.10. Therefore, it is recommended to buy ALL.

StrongBuy: 9
Buy: 7
Hold: 2
Sell: 1
StrongSell: 1

What are the forecasts/targets for the ALL price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	236.5	13.9%
Analysts Target Price	236.5	13.9%
ValueRay Target Price	238.4	14.8%

ALL Fundamental Data Overview February 07, 2026

P/E Trailing = 5.4518
P/E Forward = 9.0744
P/S = 0.8024
P/B = 1.9564
P/EG = 1.2782
Revenue TTM = 66.46b USD
EBIT TTM = 8.54b USD
EBITDA TTM = 13.93b USD
Long Term Debt = 8.09b USD (from longTermDebt, two quarters ago)
Short Term Debt = 550.0m USD (from shortTermDebt, two quarters ago)
Debt = 8.09b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 8.09b USD (using Total Debt 8.09b, CCE unavailable)
Enterprise Value = 62.40b USD (54.31b + Debt 8.09b - (null CCE))
Interest Coverage Ratio = 21.41 (Ebit TTM 8.54b / Interest Expense TTM 399.0m)
EV/FCF = 7.22x (Enterprise Value 62.40b / FCF TTM 8.64b)
FCF Yield = 13.84% (FCF TTM 8.64b / Enterprise Value 62.40b)
FCF Margin = 13.00% (FCF TTM 8.64b / Revenue TTM 66.46b)
Net Margin = 15.47% (Net Income TTM 10.28b / Revenue TTM 66.46b)
Gross Margin = 33.23% ((Revenue TTM 66.46b - Cost of Revenue TTM 44.37b) / Revenue TTM)
Gross Margin QoQ = 52.96% (prev 36.57%)
Tobins Q-Ratio = 0.52 (Enterprise Value 62.40b / Total Assets 120.40b)
Interest Expense / Debt = 1.21% (Interest Expense 98.0m / Debt 8.09b)
Taxrate = 22.14% (1.09b / 4.92b)
NOPAT = 6.65b (EBIT 8.54b * (1 - 22.14%))
Current Ratio = 0.43 (Total Current Assets 30.94b / Total Current Liabilities 72.57b)
Debt / Equity = 0.29 (Debt 8.09b / totalStockholderEquity, two quarters ago 27.49b)
Debt / EBITDA = 0.58 (Net Debt 8.09b / EBITDA 13.93b)
Debt / FCF = 0.94 (Net Debt 8.09b / FCF TTM 8.64b)
Total Stockholder Equity = 23.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.86% (Net Income 10.28b / Total Assets 120.40b)
RoE = 43.33% (Net Income TTM 10.28b / Total Stockholder Equity 23.73b)
RoCE = 26.85% (EBIT 8.54b / Capital Employed (Equity 23.73b + L.T.Debt 8.09b))
RoIC = 21.73% (NOPAT 6.65b / Invested Capital 30.61b)
WACC = 6.65% (E(54.31b)/V(62.40b) * Re(7.50%) + D(8.09b)/V(62.40b) * Rd(1.21%) * (1-Tc(0.22)))
Discount Rate = 7.50% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 85.58% ; FCFF base≈8.47b ; Y1≈10.24b ; Y5≈16.66b
Fair Price DCF = 1457 (EV 387.13b - Net Debt 8.09b = Equity 379.04b / Shares 260.1m; r=6.65% [WACC]; 5y FCF grow 22.35% → 2.90% )
EPS Correlation: 75.10 | EPS CAGR: 57.91% | SUE: 4.0 | # QB: 9
Revenue Correlation: 97.14 | Revenue CAGR: 8.22% | SUE: -0.92 | # QB: 0
EPS next Quarter (2026-03-31): EPS=6.91 | Chg30d=+0.012 | Revisions Net=-1 | Analysts=20
EPS current Year (2026-12-31): EPS=24.85 | Chg30d=+0.732 | Revisions Net=+11 | Growth EPS=-28.6% | Growth Revenue=+7.3%
EPS next Year (2027-12-31): EPS=24.68 | Chg30d=+0.377 | Revisions Net=+11 | Growth EPS=-0.7% | Growth Revenue=+4.3%

Additional Sources for ALL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle