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Earnings transcript
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ALL
The Allstate Corporation
$223.15
5.97
(2.75%)
| Exchange: | NYSE |
| Market Cap: | 57.443B |
| Shares Outstanding: | 721M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Property & Casualty | |||||
| CEO: | Thomas Joseph Wilson | |||||
| Full Time Employees: | 55000 | |||||
| Address: |
| |||||
| Website: | https://www.allstate.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 56,591,000 | 63,515,000 | 66,460,000 |
| Gross Profit | 7,172,000 | 14,500,000 | 22,086,000 |
| EBITDA | 735,000 | 6,716,000 | 14,037,000 |
| Operating Income | -348,000 | 5,761,000 | 13,156,000 |
| Net Income | -188,000 | 4,667,000 | 10,282,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 103,362,000 | 111,617,000 | 111,257,000 |
| Total Liabilities | 85,732,000 | 90,250,000 | 80,668,000 |
| Total Stockholders Equity | 17,770,000 | 21,442,000 | 30,610,000 |
| Total Debt | 7,942,000 | 8,085,000 | 7,490,000 |
| Cash and Cash Equivalents | 722,000 | 704,000 | 678,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 4,228,000 | 8,931,000 | 0 |
| Capital Expenditure | -267,000 | -210,000 | 0 |
| Free Cash Flow | 3,961,000 | 8,721,000 | 0 |
| Net Income | -213,000 | 4,599,000 | 10,282,000 |
| Net Change in Cash | -14,000 | -18,000 | -704,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 65,422,065.366 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 67,064,456.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 66,284,043.525 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 6,268,075.050 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 6,425,432.188 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 6,350,661.005 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 6,268,696.892 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 7,038,820.369 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 6,653,758.631 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | -158,438.907 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | -154,558.780 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | -156,595.192 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 25.450 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 26.590 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 23.680 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: ALL has demonstrated robust revenue growth and consistent net income as per recent income statements, reflecting operational efficiency. Key metrics such as a healthy ROE (Return on Equity) and ROIC (Return on Invested Capital) from the TTM data indicate effective capital utilization and profitability compared to industry benchmarks.
- Solid Cash Flow Generation: The cash flow statements highlight strong net cash provided by operating activities and positive free cash flow, suggesting financial stability and the ability to fund dividends (evidenced by a competitive dividend yield TTM) and reinvest in growth initiatives.
- Market Position and Scale: As per the company profile, ALL benefits from a significant market capitalization and a large employee base, positioning it as a key player in the insurance industry within the financial sector. This scale supports operational resilience and brand strength.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates ALL intrinsic value between $359.29 – $479.18 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about ALL valuation
Is The Allstate Corporation (ALL) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for The Allstate Corporation (ALL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is ALL a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ALL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is ALL’s P/E ratio?
You can see ALL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for ALL?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is ALL a good long-term investment?
Whether ALL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
ALL
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Daily snapshot
2.75
Trading Metrics:
| Open: | 220.32 | Previous Close: | 217.18 | |
| Day Low: | 217.54 | Day High: | 223.39 | |
| Year Low: | 188.08 | Year High: | 227.62 | |
| Price Avg 50: | 213.69 | Price Avg 200: | 206.99 | |
| Volume: | 303022 | Average Volume: | 1.507M |
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Login — it's freeALL full analysis
Welcome to MARKETSNAP’s SWOT analysis for The Allstate Corporation, or ALL as it’s known on the ticker. If you’re a long-term investor looking to dig into the nuts and bolts of this insurance giant, you’re in the right place. Today, we’re breaking down Allstate’s strengths, weaknesses, opportunities, and threats with a conversational deep dive into their financials, recent performance, and what’s on the horizon. So, grab a coffee, let’s chat about whether Allstate deserves a spot in your portfolio. For…
