The Allstate Corporation (ALL) AI Stock Analysis

The Allstate Corporation provides diverse insurance and protection products across the United States and Canada. Its Allstate Protection segment offers private passenger auto, homeowners, and other personal and commercial lines coverage under brands such as Allstate and Encompass. The Protection Services segment delivers consumer product protection plans for electronics, furniture, and appliances, as well as vehicle service contracts and roadside assistance through brands like Allstate Protection Plans and Arity. The Allstate Health and Benefits segment offers life, accident, and critical illness insurance, while the Run-off Property-Liability segment oversees property and casualty business. Distribution occurs via call centers, agencies, online platforms, and mobile applications.

Between FY2021 and FY2025, revenue increased from $50.59B to $66.46B, representing a 5-year CAGR of 8.2%. The company experienced net losses of -$1.36B in FY2022 and -$188.0M in FY2023, before recovering to net income of $4.67B in FY2024 and $10.28B in FY2025. Operating margin also rebounded from -3.6% in FY2022 and -0.6% in FY2023 to 19.8% in FY2025. For the trailing twelve months ending June 30, 2026, revenue stood at $70.14B with a profit margin of 19.0%. In the latest quarter, quarterly revenue grew 11.8% year-over-year while quarterly earnings expanded 61.2%.

As of June 30, 2026, Allstate held $5.71B in cash and short-term investments and $7.49B in total debt, resulting in net debt of $1.78B. Shareholders' equity was $33.70B, and total assets stood at $124.76B. The company recorded a debt-to-equity ratio of 0.22 and a current ratio of 0.24. Operating cash flow reached $10.11B in FY2025, supporting free cash flow of $9.88B. Capital expenditures totaled $228.0M in FY2025, while capital returns included $1.23B in share buybacks and $1.15B in dividends paid.

At a share price of $247.88 and a market capitalization of $62.68B, Allstate trades at a trailing P/E of 5.0x and a forward P/E of 8.3x. Both metrics are lower than the median of its S&P 500 Financial Services peers, which sit at 14.2x and 12.6x, respectively. Its price-to-sales multiple of 0.9x is also below the peer median of 3.1x. Over the past year, the stock returned 29.7%, outpacing the 16.8% return for the S&P 500 (SPY). Over five years, the stock gained 120.1% versus 83.0% for the index.

Allstate pays an annual forward dividend of $4.32 per share, resulting in a dividend yield of 1.74%. The dividend is distributed on a quarterly basis with a payout ratio of 9.4%. The company has paid dividends for 34 consecutive years and generated a 5-year annualized dividend growth rate of 13.1%. The last ex-dividend date occurred on August 31, 2026.

Wall Street sentiment includes 9 Strong Buy, 2 Buy, 10 Hold, 2 Sell, and 2 Strong Sell recommendations. The mean price target is $269.27, representing an 8.6% premium to the last close of $247.88. Analysts project FY2026 EPS of $35.95 on revenue of $70.20B. For FY2027, 22 analysts expect revenue of $72.68B and EPS of $28.11, implying an EPS decline of 21.8%. Allstate beat EPS estimates in each of the last 4 quarters, with its next earnings report scheduled for November 4, 2026.

This page is an AI-written research summary of The Allstate Corporation (ALL). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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