The Allstate Corporation
- Open
- 245.54
- Day high
- 250.69
- Day low
- 244.47
- Prev close
- 241.86
- Volume
- 1.8M
- Mkt cap
- $64.3B
- P/E (TTM)
- 5.4
- EPS (TTM)
- $45.90
- P/B
- 2.0
- P/S
- 1.0
- Yield
- 1.66%
- Per share
- $4.16
- ▼Insiders net selling -$4.9M over the last 3 months (0 open-market buys, 3 sales)
- 🏛Institutions accumulating (13F)
The Allstate Corporation (ALL) is a Financial Services company listed on NYSE. The stock is up 29% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 3 sales (SEC Form 4).
The Allstate Corporation (ALL) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 13 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
ALL earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 30, 2026 | $7.31 | $10.65 | +45.7% | $14.6B | -4.0% |
| Feb 4, 2026 | $9.83 | $14.31 | +45.6% | $16.6B | +14.2% |
| Nov 5, 2025 | $7.67 | $11.17 | +45.6% | $17.1B | +8.8% |
| Jul 30, 2025 | $3.25 | $5.94 | +82.8% | $16.6B | +9.3% |
| Apr 30, 2025 | $2.52 | $3.53 | +40.1% | $16.5B | +17.1% |
| Feb 5, 2025 | $5.40 | $7.67 | +42.0% | $16.5B | +20.3% |
| Jul 31, 2024 | $0.28 | $1.61 | +478.3% | $15.7B | +11.9% |
| May 1, 2024 | $3.94 | $5.13 | +30.2% | $15.3B | +19.6% |
| Feb 7, 2024 | $3.99 | $5.82 | +45.9% | $14.8B | +16.8% |
| Nov 1, 2023 | $0.39 | $0.81 | +107.7% | $13.2B | -0.3% |
| Aug 1, 2023 | $-3.83 | $-4.42 | -15.4% | $14.0B | +11.7% |
| May 3, 2023 | $-1.94 | $-1.30 | +33.0% | $13.8B | +17.4% |
ALL insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 7, 2026 | KEANE MARGARET Mdirector | Grant | 138 | $243.12 |
| Jul 6, 2026 | TRAQUINA PERRY Mdirector | Grant | 169 | $243.12 |
| Jul 6, 2026 | Perold Jacques Pdirector | Grant | 174 | $243.12 |
| Jul 1, 2026 | TRAQUINA PERRY Mdirector | Option | 1,966 | — |
| Jun 8, 2026 | Ferren Eric Kofficer: SVP, Controller, and CAO | Option | 245 | — |
| Jun 8, 2026 | Carter Andrea Mother: EVP, Chief HR Officer - AIC | Tax | 1,654 | $210.84 |
| Jun 8, 2026 | Carter Andrea Mother: EVP, Chief HR Officer - AIC | Option | 4,025 | — |
| Jun 8, 2026 | Ferren Eric Kofficer: SVP, Controller, and CAO | Tax | 72 | $221.01 |
| Jun 2, 2026 | TRAQUINA PERRY Mdirector | Grant | 917 | — |
| Jun 2, 2026 | KEANE MARGARET Mdirector | Grant | 917 | — |
| Jun 2, 2026 | Mehta Siddharth Ndirector | Grant | 917 | — |
| Jun 2, 2026 | REDMOND ANDREAdirector | Sell | 2,225 | $202.91 |
| Jun 2, 2026 | KEANE MARGARET Mdirector | Option | 1,603 | — |
| Jun 2, 2026 | Brown Donald Eugenedirector | Grant | 917 | — |
| Jun 2, 2026 | Turner Monica Jdirector | Grant | 917 | — |
Source: ALL SEC Form 4 filings, latest Jul 7, 2026. For informational purposes only — not investment advice.
See the full ALL insider & 13F page →The Allstate Corporation company profile
Overview
The Allstate Corporation (NYSE:ALL) is one of the largest property and casualty insurance companies in the United States, founded in 1931 and headquartered in Northbrook, Illinois. The company went public in 1993 after being spun off from Sears, Roebuck and Co. Today, Allstate operates as a diversified insurance and financial services company, serving millions of customers across the United States and Canada through multiple brands and distribution channels. The company has evolved from a traditional auto and home insurer into a broader protection services provider, offering everything from traditional insurance products to modern telematics-based coverage and consumer protection plans.
Business
Allstate operates in the property and casualty insurance industry, which provides coverage for individuals and businesses against financial losses from accidents, natural disasters, theft, and other unforeseen events. The company's business is organized into four main segments: Allstate Protection represents the core insurance business, generating approximately 80% of total revenues. This segment offers private passenger auto insurance, which covers drivers against liability, collision, and comprehensive damages, and homeowners insurance, which protects property owners against damage to their homes and personal belongings. The segment also includes specialty products like motorcycle, boat, and recreational vehicle insurance, as well as commercial insurance for small businesses. These products are sold under the flagship Allstate brand and the Encompass brand. Protection Services accounts for roughly 5% of revenues and represents Allstate's expansion beyond traditional insurance. This segment offers consumer product protection plans for electronics, appliances, and furniture purchased at retail stores, vehicle service contracts sold through auto dealerships, and roadside assistance services. The segment also includes Arity, a telematics subsidiary that collects and analyzes driving data to help price insurance more accurately, and identity protection services. Allstate Health and Benefits generates approximately 4% of revenues, providing life insurance, accident coverage, critical illness policies, and short-term disability insurance primarily to individuals and small groups. However, the company is actively divesting this segment, having sold major portions in recent years. Run-off Property-Liability represents discontinued insurance operations that are being wound down, contributing minimal revenue but still requiring claims management for legacy policies.
Revenue model
Allstate generates revenue primarily through insurance premiums paid by policyholders in exchange for coverage. In property and casualty insurance, customers pay monthly or annual premiums, and Allstate profits when total premiums collected exceed claims paid out plus operating expenses. This business model depends heavily on actuarial science - the mathematical assessment of risk - to price policies appropriately. The company's profitability is measured by the combined ratio, which compares total claims and expenses to premiums earned. A combined ratio below 100% indicates underwriting profit, while above 100% means the company is paying out more in claims than it collects in premiums. Allstate also generates significant income from investing premium float - the money collected from customers before claims are paid - in bonds, stocks, and other securities. Several factors significantly impact Allstate's margins. Catastrophic events like hurricanes, wildfires, and severe storms can cause massive claim spikes, as evidenced by the $2 billion in gross losses from California wildfires in Q4 2024. Inflation increases both the cost of auto repairs and home reconstruction, directly impacting claim severity. Regulatory environment affects the company's ability to raise rates, particularly in states like California where insurance commissioners can restrict rate increases. Competition from other insurers, particularly technology-focused companies offering usage-based insurance, pressures pricing and market share. Interest rates significantly impact investment income from the company's large portfolio, with higher rates generally benefiting profitability. The Protection Services segment operates on different models, earning service fees from retailers and manufacturers for product protection plans, commissions from auto dealers for finance and insurance products, and subscription fees for identity protection services.
Competitive moat
Allstate's competitive moat is moderately strong but faces increasing pressure from technological disruption. The company's primary advantages include its massive scale, which allows for risk diversification across millions of policies and geographic regions, and extensive distribution networks built over decades through exclusive agents, independent agents, and direct-to-consumer channels. The company benefits from regulatory barriers that require substantial capital reserves and complex licensing to enter insurance markets, limiting new competition. Brand recognition provides significant value, with the "You're in Good Hands" slogan being one of the most recognized insurance taglines in America. Allstate's actuarial expertise and vast historical data give it advantages in risk assessment and pricing. However, the moat faces meaningful challenges. Technology-driven competitors like Progressive and Geico have gained market share through superior digital experiences and usage-based insurance models. Telematics and AI are democratizing risk assessment capabilities that were once exclusive to large insurers. Direct-to-consumer models are reducing the importance of traditional agent networks. Additionally, regulatory constraints in key states limit Allstate's ability to adjust pricing quickly in response to changing risk profiles. The company's acquisition of National General and development of Arity's telematics platform represent attempts to strengthen the moat through technology and data analytics. The Protection Services segment offers diversification beyond traditional insurance, though this market is highly competitive with lower barriers to entry.
Risks & safety
Allstate maintains a solid financial position with adequate liquidity and manageable debt levels, though the insurance business model inherently carries significant risk exposure. • Liquidity and Cash Flow: Strong operating cash flow of $1.96 billion in Q1 2025, with free cash flow of $1.87 billion. Cash and short-term investments of $840 million provide adequate liquidity buffer. • Debt Management: Debt-to-equity ratio of 0.37 is reasonable for an insurance company. Total liabilities of $93.1 billion primarily consist of insurance reserves rather than traditional debt. • Solvency Risk: Well-capitalized with total equity of $22.1 billion. Insurance companies face unique solvency risks from catastrophic events, but Allstate maintains reinsurance coverage and geographic diversification. • Valuation Metrics: Trading at P/E ratio of 23.0x based on Q1 2025 earnings, which appears reasonable given recent profitability improvements. Price-to-book ratio of 2.48x reflects market confidence in management's turnaround efforts. • Regulatory Capital: Maintains capital levels well above regulatory requirements, with strong ratings from major credit agencies supporting its ability to write new business.
Recent development
Over the past few years, Allstate has undergone significant strategic transformation focused on improving profitability and positioning for growth. The company implemented a comprehensive auto insurance profit improvement plan starting in 2022, which included substantial rate increases averaging 16.9% across its book of business, restrictive underwriting in unprofitable markets, and operational expense reductions. A major strategic pivot involved divesting non-core businesses to focus on property-liability insurance and protection services. The company sold its Employer Voluntary Benefits business to Stancorp Financial for $2 billion and its group health business to Nationwide for $1.25 billion, generating combined proceeds of $3.25 billion with an expected book gain of $1 billion. Technology and product innovation has been central to the transformation. Allstate launched its Affordable Simple Connected (ASC) auto insurance product in 36 states, leveraging telematics and simplified underwriting to compete more effectively with digital-first insurers. The company also introduced new homeowners products in multiple states and significantly expanded its digital capabilities. The Protection Services segment has been a key growth driver, with adjusted net income growing seven-fold since 2018 to $162 million in Q1 2025. This segment expanded through both organic growth and strategic acquisitions, broadening Allstate's revenue base beyond traditional insurance. Distribution strategy evolved to embrace multiple channels, including the integration of National General's independent agent network, enhancement of direct-to-consumer capabilities, and improved agent productivity through technology investments. The company also launched the S.A.V.E. program to improve customer retention through better affordability and customer experience.
ALL company profile · for informational purposes only — not investment advice.
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