ALL

The Allstate Corporation

Fundamental data last updated:August 16, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Property & Casualty

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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.

 


VALUATION

P/E

5.30

Market Cap ($M USD)

$63.94B

Forward P/E

9.75

PEG

-0.21

PRICE TO SALES

0.95

PRICE TO BOOK

2.04

EV / EBITDA

4.32

5-Year Average P/E

Free Cash Flow Yield

18.04%

DCF Value

$347.07

Graham Number

$358.27

Price to FCF

5.54

EV to FCF

6.13

Earnings Yield

18.85%

FCF Yield

18.04%

DIVIDEND

Yield

1.67%

Annual Payout

$4.16

Payout Ratio

9.63%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$46.82

Next Year EPS Growth Estimate

$25.47

Next Year Revenue Growth Estimate

$66.30B

Return on Equity (ROE)

42.71%

FREE CASH FLOW

Operating Margin

23.30%

Debt-to-Equity

0.24

Piotroski F-Score

6

Altman Z-Score

1.60

Return on Invested Capital (ROIC)

40.03%

Current Ratio

0.38

Quick Ratio

0.38

Net Debt to EBITDA

0.42

Interest Coverage

39.40

Gross Profit margin

39.83%

FCF PER SHARE

$44.46

REVENUE PER SHARE

$258.82

Gainseekers Quantitative Analysis

Summary

The Allstate Corporation’s valuation presents a compelling opportunity for deep value investors. With a DCF value significantly higher than recent pricing, the market appears to be undervaluing the stock. The Forward P/E of 8.42 suggests a conservative growth outlook, yet the robust Earnings Yield of 21.97% indicates strong profitability. However, the Altman Z-score of 1.54 raises concerns about financial stability, hinting at potential distress. Overall, the stock seems mispriced relative to its intrinsic value, offering a potential upside for those willing to navigate its risks.

AI Exposure / Tech Reliance

Operating in the insurance sector, Allstate is well-positioned to leverage AI for risk assessment and claims processing, enhancing efficiency. The industry's data-driven nature allows for seamless integration of modern tech, potentially improving customer experience. However, the pace of adaptation will be crucial in maintaining competitive advantage.

The Bull Case

For value investors, Allstate shines with a remarkable ROIC of 40.03%, showcasing exceptional capital efficiency. The FCF Yield of 21.02% underscores its ability to generate substantial free cash flow, a testament to its operational prowess. A Piotroski F-Score of 6 indicates solid financial health, while an Operating Margin of 23.30% reflects strong pricing power. These metrics paint a picture of a company that efficiently converts revenue into profit, making it an attractive buy.

The Bear Case

Despite its strengths, Allstate faces structural risks that cannot be ignored. The Price/Book ratio of 1.75 and Price/Sales of 0.82 suggest that the stock might be overvalued relative to its assets and revenue. Additionally, the proximity to its 52-week high raises concerns about technical overextension. The low Current Ratio of 0.38 indicates potential liquidity issues, which could pose challenges in volatile market conditions.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$255.50

Institutional Ownership %

1-Year Beta

0.17

Insider Buying % (6 Mo)

Distance to 52-Week High

0.81%

Distance to 52-Week Low

24.27%

EARNINGS SURPRISE %

45.69%

50-DAY SMA

$219.82

200-DAY SMA

$209.27

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.