Full text
Earnings transcript
Read the complete earnings call transcript.
ALL
The Allstate Corporation
$207.03
2.93
(1.44%)
| Exchange: | NYSE |
| Market Cap: | 53.732B |
| Shares Outstanding: | 721M |
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, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. The company operates through Allstate Protection; Protection Services; Allstate Health and Benefits; and Run-off Property-Liability segments. The Allstate Protection segment offers private passenger auto and homeowners insurance; specialty auto products, including motorcycle, trailer, motor home, and off-road vehicle insurance; other personal lines products, such as renter, condominium, landlord, boat, umbrella, and manufactured home and stand-alone scheduled personal property; and commercial lines products under the Allstate and Encompass brand names. The Protection Services segment provides consumer product protection plans and related technical support for mobile phones, consumer electronics, furniture, and appliances; finance and insurance products, including vehicle service contracts, guaranteed asset protection waivers, road hazard tire and wheel, and paint and fabric protection; roadside assistance; device and mobile data collection services; data and analytic solutions using automotive telematics information; and identity protection services. This segment offers its products under various brands including Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside Services, Arity, and Allstate Identity Protection. The Allstate Health and Benefits provides life, accident, critical illness, short-term disability, and other health insurance products. The Run-off Property-Liability offers property and casualty insurance. It sells its products through call centers, agencies, financial specialists, independent agents, brokers, wholesale partners, and affinity groups, as well as through online and mobile applications. The Allstate Corporation was founded in 1931 and is based in Northbrook, Illinois.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
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) | 66,218,790.260 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 73,715,395.273 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 69,967,092.767 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 6,344,409.103 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 7,062,657.336 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 6,703,533.219 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 6,420,430.874 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 6,949,952.638 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 6,685,191.756 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | -174,151.664 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | -156,441.032 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | -165,296.348 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 25.260 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 26.260 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 24.260 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
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.
Log in with Full Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
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.
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
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
1.44
Trading Metrics:
| Open: | 204.61 | Previous Close: | 204.1 | |
| Day Low: | 204.16 | Day High: | 207.8 | |
| Year Low: | 176 | Year High: | 216.75 | |
| Price Avg 50: | 205.83 | Price Avg 200: | 203.5 | |
| Volume: | 1.062M | Average Volume: | 1.666M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
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…
