Allstate is one of the largest US property-casualty insurers in the US. Personal auto represents the largest percentage of revenue, but the company offers homeowners insurance and other insurance products.
It is a $58.0B financial services company. Revenue grew 5.9% over the last year, and it keeps 19¢ of every dollar of sales as profit. It trades at 4.4× earnings — near the lowest of its own history.
- Website
- allstate.com
- Location
- Northbrook, IL
- Employees
- 53 300
- Sector
- Financial Services
- Founded
- 1931
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation and profitability; Health and Moat lag behind.
Valuation100
- P/E vs own history1th pct · 25/25
- FCF yield21.1% · 25/25
- P/S0.8x · 25/25
- EV/EBITDA3.8x · 25/25
Growth57
- Revenue CAGR7.6% · 12/25
- Net income CAGR59.2% · 25/25
- EPS CAGR ~5Y16.8% · 20/25
- Fwd implied growth-43.4% · 0/25
Profitability90
- ROIC31.0% · 25/25
- ROE43.1% · 25/25
- Net margin19.0% · 20/25
- Operating margin24.2% · 20/25
Health48
- Altman Z1.24 · 3/25
- Current ration/a · 0/25
- Interest coverage14.1x · 25/25
- Net cash / debtD/A 2% · 20/25
Quality74
- Piotroski F6/9 · 15/25
- Beneish M-2.55 · 25/25
- FCF conversion92% · 22/25
- Margin stabilityσ 8.2% · 12/25
Moat43
- ROIC >12% years3/5 yrs · 13/25
- Median gross marginn/a · 0/25
- FCF-positive years10/10 yrs · 25/25
- Worst-year net marginworst -2.5% · 5/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2025FinancialBest year on record$10.3B net income
- FY2021FinancialRevenue crossed $50B$50.6B for the year
- 2017AcquisitionAllstate acquired SquareTrade, a consumer electronics and appliance protection plan provider
- FY2016FinancialFirst recorded profitable year$1.88B net income
- FY2016FinancialRevenue already above $10B$36.5B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2003MilestoneActor Dennis Haysbert became Allstate's spokesman, using the tagline "That’s Allstate’s stand." In May…
- 1999AcquisitionAllstate purchased the personal-lines division of CNA Financial and subsequently renamed it to Encompass…
- 1995MilestoneAllstate became completely independent in June 1995, when Sears spun off the remaining 80% stake in the company,…
- 1993Milestone19.8% of Allstate became public through a stock offering
- 1991IPOThe company went public
- 1950ProductThe company's "You're in Good Hands with Allstate" slogan, which featured a cradling hands, was created in 1950 by…
- 1934MilestoneAllstate opened its first permanent sales office in a Chicago Sears store
- 1933MilestoneAt the Century of Progress World's Fair in Chicago, Allstate's Richard E
- 1931FoundedFounded in 1931 as part of Sears, Roebuck and Co., it was spun off in 1993, but was still partially owned by Sears…
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strong cash conversion — FCF is 17.5% of revenue
- Could repay net debt from ~0.5 years of free cash flow
- Interest covered 14.1× by operating earnings
- High returns on invested capital (ROIC 31.0%)
Watch-outs
- Altman Z-Score 1.24 — elevated financial-distress risk
- Loss-making in 2 of the recent years
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+5.9% YoY
- Profitable — makes more than it spends$13.3B TTM
- Profit growing — earnings are higher than last year+16.9% YoY
- Generates cash — cash left after running and investing$12.2B TTM
- Debt under control — could handle its obligations~0.2y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$58.0B market cap
- Not printing shares — share count not ballooning — you keep your slice-15.3% shares over ~5y
- Proven track record — years of profitability behind it8/10 profitable years
- Financially stable — balance sheet not near distressAltman Z 1.2 — distress
- Pays a dividend — returns cash to shareholdersyield 2.04%
- Valuation not extreme — price not wildly above earningsP/E 4.4
Peer comparisonThe Allstate Corporation vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| ALL this company | $58.0B | 4.4 | +5.9% | 19.0% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: ALL vs BRK.A · ALL vs BRK.B · ALL vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/ALL
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Deeper analysis of ALL on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $229.43 · market cap $58.0B.