Allstate (ALS) Stock Price & Analysis
ALS Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- CHF 51.69B
- Enterprise Value
- CHF 66.12B
- Total Cash (Recent Filing)
- CHF 76.75B
- Total Debt (Recent Filing)
- CHF 7.49B
- Price to Earnings (P/E)
- 5.7
- Beta
- 1.03
- Next Earnings
- Feb 03, 2027 (Est.)
- EPS Estimate
- 7.91
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.59%
Bulls Say, Bears Say
Bulls Say
Policy And Product Growth
Broad policy growth across auto, homeowners, and Protection Services indicates continued customer adoption and expanding scale. Growth across multiple products and channels can strengthen distribution economics, diversify underwriting exposure, and support durable premium generation over the next several quarters.
Profitable Underwriting
A combined ratio well below 100% demonstrates that premiums currently cover claims and operating costs with a meaningful underwriting margin. If pricing and risk selection remain disciplined, this profitability provides a durable earnings foundation before investment income and supports stronger capital generation.
Strong Cash Generation And Leverage
Free cash flow closely tracking earnings suggests strong earnings quality and substantial internal funding capacity. Combined with improved leverage, this gives Allstate flexibility to invest in technology, support subsidiaries, return capital, and absorb moderate claims volatility without excessive balance-sheet strain.
Bears Say
Catastrophe Loss Exposure
Higher catastrophe losses show that severe-weather exposure can materially reduce underwriting margins even when underlying insurance performance remains strong. Repeated or elevated events could create earnings volatility, increase capital needs, and make current combined-ratio performance less durable.
Rising Auto Loss Trends
Rising auto claims costs can compress margins if pricing and underwriting changes do not keep pace. Inflation, shifting book mix, and slightly higher-risk drivers may require continued rate actions, potentially slowing policy growth or weakening affordability while management restores targeted profitability.
Non-repeatable Reserve Benefit
Recent underwriting results were helped by favorable reserve development that management does not expect to repeat at the same level. Removing this benefit could lower reported profitability and expose the underlying business more clearly to claims inflation, catastrophe costs, and pricing pressure.
ALS FAQ
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Allstate Stock Smart Score
Company Description
Allstate
The Allstate Corporation, along with its affiliated entities, provides a comprehensive suite of property, casualty, and other insurance offerings throughout the United States and Canada. The company's operations are structured across four primary business segments: Allstate Protection; Protection Services; Allstate Health and Benefits; and Run-off Property-Liability. The Allstate Protection segment delivers a wide array of personal and commercial insurance solutions. This includes standard private passenger auto and homeowners policies, as well as specialized vehicle coverage for motorcycles, trailers, motor homes, and off-road vehicles. Additional personal lines encompass renter, condominium, landlord, boat, umbrella, manufactured home, and stand-alone scheduled personal property policies. Commercial lines products are also available, marketed under the Allstate and Encompass brand names. The Protection Services division focuses on consumer protection and related financial services. Its offerings include product protection plans and technical assistance for mobile phones, consumer electronics, furniture, and appliances. It also provides finance and insurance products such as vehicle service contracts, guaranteed asset protection (GAP) waivers, road hazard tire and wheel protection, and paint and fabric protection. Furthermore, this segment delivers roadside assistance, device and mobile data collection, advanced data and analytical insights leveraging automotive telematics, and identity protection services. Key brands within this segment include Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside Services, Arity, and Allstate Identity Protection. The Allstate Health and Benefits segment specializes in various health-related insurance products, including life, accident, critical illness, short-term disability, and other health coverage options. Finally, the Run-off Property-Liability segment manages existing property and casualty insurance obligations. Allstate's products are distributed through a diverse network of channels, which include call centers, captive agents, financial specialists, independent agents, brokers, wholesale partners, and affinity groups, as well as directly via online platforms and mobile applications. The Allstate Corporation was founded in 1931 and is headquartered in Northbrook, Illinois.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Thomas Joseph Wilson
- Employees
- 53,150
- Website
- www.allstate.com
- Address
- 2775 Sanders Road, Northbrook, IL, 60062, US
Allstate (ALS) Earnings & Revenues
ALS Company Deck
ALS Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Management reported robust earnings, policy growth, profitable underwriting, expanding Protection Services, higher investment income, substantial shareholder returns, and significant progress in AI and Transformative Growth. The main challenges were higher catastrophe losses, rising auto loss and expense trends, declining average auto premiums, a negative quarterly investment return, pending New York product approval, and ongoing regulatory and technology-investment work. The highlights significantly outweighed the lowlights.
View all CH:ALS earnings summariesALS Net sales Breakdown
- 88.25% Allstate Protection
- 0.00% Run-off Property-Liability
- 5.24% Protection Services
- 0.46% Corporate
- 4.66% Allstate Protection and Run-off Property-Liability net investment income
- -0.35% Allstate Protection and Run-off Property-Liability net gains (losses) on investments and derivatives
- 0.94% All other
- -0.20% Intersegment eliminations
- 1.00% Allstate Health and Benefits
