ALL The Allstate Corporation - Fundamental Analysis
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Allstate is dramatically cheaper than its Financial Services peers on earnings, despite superior profitability, creating a clear valuation anomaly that suggests potential for multiple expansion
- P/E of 6.95 is less than one-third of the sector average (22.13)
- Price/Book of 2.20 is reasonable given 34.47% ROE, implying efficient equity use
- Forward P/E of 11.26 suggests near-term growth already priced in
- Lack of EV/EBITDA and EV/Revenue data limits full enterprise valuation view
While earnings are exploding due to margin expansion and underwriting discipline, top-line stagnation remains a concern; however, price momentum is positive with +6.9% over the last month and +11.6% over the past year
- Earnings growth of 222.2% YoY indicates strong bottom-line momentum
- Q/Q earnings growth of 214.80% shows sustained acceleration
- Revenue growth of only 3.80% YoY is weak relative to sector average of 28.52%
- No recent earnings beats over the last four quarters, signaling possible guidance issues or execution slippage
Allstate has delivered robust long-term profitability and share price appreciation over 5Y and 3Y horizons, but recent quarters show a troubling inability to exceed expectations, undermining confidence in forward momentum
- Consistently high profitability with stable 24.44% operating margin and 12.53% net margin
- Five-year stock return of +147.3% demonstrates strong shareholder value creation
- No earnings beats in the last four quarters (0/4), indicating declining earnings quality
- Quarterly earnings data lacks transparency with missing dates and estimates
Allstate’s conservative leverage profile provides resilience relative to peers like MetLife (D/E 1.64), though insurance models inherently carry low liquidity ratios due to liability-driven balance sheets
- Very low debt/equity ratio of 0.29, well below sector average of 0.76
- High ROA of 5.09% indicates efficient asset utilization for an insurer
- Current ratio of 0.43 and quick ratio of 0.29 suggest structural liquidity tightness
- Missing total cash, debt, and OCF data limits full solvency assessment
Allstate’s dividend policy is highly disciplined, offering a secure 1.87% yield with minimal earnings payout, positioning it as a reliable income source within the financial sector
- Dividend yield of 1.87% is attractive in the current rate environment
- Extremely low payout ratio of 12.71% ensures long-term sustainability and room for growth
- Lack of 5-year average yield data limits visibility into dividend growth trend
- No ex-dividend date provided, reducing transparency for income investors
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ALL and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ALL
The Allstate Corporation
Primary
|
+147.3% | +74.4% | +11.6% | +3.5% | +6.9% | +5.9% |
|
TFC
Truist Financial Corporation
Peer
|
+16.8% | +14.0% | +1.8% | +11.0% | +4.9% | +1.4% |
|
PYPL
PayPal Holdings, Inc.
Peer
|
-67.3% | -30.1% | -26.8% | -13.0% | -7.6% | -5.2% |
|
MET
MetLife, Inc.
Peer
|
+99.3% | +16.2% | -2.0% | -1.3% | -3.0% | +3.3% |
|
AFL
Aflac Incorporated
Peer
|
+197.5% | +73.0% | +6.5% | +8.2% | +4.1% | +0.2% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ALL
The Allstate Corporation
|
BULLISH | $56.08B | 6.95 | 34.5% | 12.5% | $214.3 | |
|
TFC
Truist Financial Corporation
|
BULLISH | $57.99B | 12.03 | 8.0% | 28.6% | $44.86 | |
|
PYPL
PayPal Holdings, Inc.
|
BULLISH | $58.77B | 12.61 | 24.4% | 15.0% | $62.81 | |
|
MET
MetLife, Inc.
|
BULLISH | $52.36B | 14.81 | 12.8% | 5.3% | $78.64 | |
|
AFL
Aflac Incorporated
|
NEUTRAL | $60.28B | 15.01 | 15.6% | 23.6% | $114.34 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-03 | WILSON THOMAS JOSEPH II | Chief Executive Officer | Sale | 16,807 | $3,183,319 |
| 2025-11-03 | JEEVANJEE ZULFIKAR | Officer of Subsidiary Company | Stock Award | 5,110 | - |
| 2025-10-20 | WILSON THOMAS JOSEPH II | Chief Executive Officer | Sale | 16,807 | $3,260,883 |
| 2025-10-06 | WILSON THOMAS JOSEPH II | Chief Executive Officer | Sale | 16,807 | $3,532,582 |
| 2025-10-03 | MERTEN JESSE E | Divisional Officer | Stock Award | 538 | - |
| 2025-10-03 | RIZZO MARIO | Officer of Subsidiary Company | Stock Award | 199 | - |
| 2025-10-01 | TRAQUINA PERRY M | Director | Stock Award | 195 | $41,083 |
| 2025-10-01 | KEANE MARGARET M | Director | Stock Award | 160 | $33,709 |
| 2025-09-05 | GUPTA SUREN K | Divisional Officer | Stock Award | 13,898 | - |
| 2025-08-22 | PRINDIVILLE MARK Q | Officer of Subsidiary Company | Sale | 7,383 | $1,524,094 |
| 2025-08-22 | PRINDIVILLE MARK Q | Officer of Subsidiary Company | Option Exercise | 7,383 | $460,109 |
| 2025-07-01 | TRAQUINA PERRY M | Director | Stock Award | 206 | $41,229 |
| 2025-07-01 | KEANE MARGARET M | Director | Stock Award | 168 | $33,624 |
| 2025-06-05 | FERREN ERIC K | Officer | Stock Award | 245 | - |
| 2025-06-02 | WILSON THOMAS JOSEPH II | Chief Executive Officer | Sale | 181,460 | $38,007,781 |
Wall Street Analysts
Professional analyst ratings and price targets