The Allstate Corporation

NYSE:ALL 주식 리포트

시가총액: US$56.9b

Allstate 대차대조표 건전성

재무 건전성 기준 점검 5/6

Allstate 의 총 주주 지분은 $31.6B 이고 총 부채는 $7.5B, 이는 부채 대 자기자본 비율을 23.7% 로 가져옵니다. 총자산과 총부채는 각각 $124.0B 및 $92.4B 입니다. Allstate 의 EBIT는 $14.4B 이며 이자보상배율은 36.2 입니다. $5.4B 의 현금 및 단기 투자금을 보유하고 있습니다.

핵심 정보

23.72%

부채/자본 비율

US$7.49b

부채

이자보상배율36.2x
현금US$5.40b
자본US$31.59b
총부채US$92.39b
총자산US$123.97b

최근 재무 건전성 업데이트

업데이트 없음

Recent updates

분석 기사 • Jun 16

Allstate (ALL) Stock Could Be 7.8% Undervalued After Keefe Bruyette Downgrade

Allstate (ALL) stock is in focus after Keefe Bruyette downgraded the insurer to Market Perform, highlighting that growth in personal auto policies in force appears to have peaked and that monthly reporting will cease. See our latest analysis for Allstate. Despite the downgrade, Allstate’s recent share price performance has remained firm, with a 9.2% 90 day share price return and 9.5% year to date share price return. The 3 year total shareholder return of about 119% reflects sustained...
내러티브 업데이트 • Jun 16

ALL: Rich Multiple Will Face Slowing Auto Policy Momentum Despite Buybacks

Analysts have nudged their price target for Allstate higher to $192.30 from $190.85, reflecting updated assumptions for the discount rate, revenue growth, profit margin, and future P/E that slightly adjust how they value the stock. What's in the News Allstate reported Q1 2026 adjusted diluted EPS of $10.65, which was 47% above analyst consensus, and net income of $2.4b compared with $566 million a year earlier, supported by an 82.0 Property Liability combined ratio and lower catastrophe losses (source: Allstate Reports Strong Q1 2026 Earnings with Market Share Gains and New $4 Billion Buyback Program).
내러티브 업데이트 • Jun 02

ALL: Earnings Beat And Buybacks Will Support Future Upside

Allstate’s analyst price target has been revised slightly higher to $241.86 from $241.45. Analysts point to modest adjustments in fair value, discount rate, revenue growth, profit margin, and future P/E assumptions to support the new figure.
내러티브 업데이트 • May 14

ALL: Share Repurchases And Higher Margins Will Drive Future Upside

Analysts have raised Allstate's price target slightly to about $241 from roughly $236, reflecting updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E expectations. What's in the News From October 1, 2025 to December 31, 2025, Allstate repurchased 2,128,193 shares, representing 0.81% of shares, for a total of US$434.72 million under its ongoing buyback program (Key Developments).
Seeking Alpha • May 12

Allstate: The Turnaround Is Real, But The Story May Not Be Fully Priced In

Summary Allstate has executed a genuine turnaround, with Q1 2026 combined ratio improving to 82% from 97.4% and underwriting income surging to $2.7 billion. ALL still trades at 4.7–7.5x forward P/E, despite restored profitability and robust capital returns and strong capital generation. The company continued returning capital to shareholders in Q1 2026,  and authorized a new $4 billion buyback program through 2028, signaling confidence in sustained earnings. I maintain a 'Strong Buy' rating on ALL, targeting 45–74% upside if 2026 post-tax earnings reach $8 billion and the market rerates the stock. Read the full article on Seeking Alpha
내러티브 업데이트 • Apr 30

ALL: Buybacks And Dividend Policy Will Support Future Upside Potential

Analysts now cite updated views on Allstate's revenue growth, profit margins, and future P/E, supporting a change in their price target from $279.00 to about $289.12. What's in the News Allstate reported that from October 1, 2025 to December 31, 2025, it repurchased 2,128,193 shares, representing 0.81% of shares, for a total of US$434.72 million under its ongoing buyback program (Key Developments).
내러티브 업데이트 • Apr 16

ALL: Rich Multiple And Modest Margins Will Limit Buyback-Supported Upside

Analysts have adjusted their price target on Allstate slightly lower to about $190.85 from roughly $192.43. This reflects updated views on fair value, revenue growth assumptions, profit margins, and future P/E expectations.
내러티브 업데이트 • Apr 01

ALL: Share Repurchases And Dividend Policy Will Support Long-Term Upside

Analysts have reduced their price target for Allstate from $290.68 to $279.00, citing updated assumptions around revenue growth, profit margins, and future P/E levels. What's in the News From October 1, 2025 to December 31, 2025, Allstate repurchased 2,128,193 shares, about 0.81% of shares, for US$434.72 million under its existing buyback program (Key Developments).
내러티브 업데이트 • Mar 18

ALL: Higher Margins And Buybacks Will Support Measured Upside Potential

The updated analyst price target for Allstate now stands at $192.43, compared with the prior $189.05. Analysts cite adjusted expectations for profit margin, revenue growth and future P/E assumptions as the key drivers behind the change.
내러티브 업데이트 • Mar 04

ALL: Thinner Profit Margins Will Constrain Future Upside Potential

Narrative Update on Allstate Analysts have made a slight trim to their Allstate price target to about $189, reflecting updated assumptions around revenue, profit margins, and future P/E expectations. What's in the News The Allstate Corporation declared a quarterly dividend of US$1.08 per share, scheduled to be paid on April 1, 2026.
내러티브 업데이트 • Feb 18

ALL: Higher Catastrophe Losses And Thinner Margins Will Limit Future Upside

Analysts have lifted their Allstate price target from about $177 to roughly $189. This reflects adjustments to fair value, discount rate, revenue growth, profit margin, and future P/E assumptions in their updated models.
내러티브 업데이트 • Feb 04

ALL: Higher Cyber Fraud Protection Will Support Stronger Long-Term Upside

Analysts have raised their price expectations for Allstate to reflect an updated fair value of about US$290.68 per share, with the change linked primarily to revised assumptions about revenue growth, profit margin, and a higher projected P/E of roughly 35.66. What's in the News Allstate estimated catastrophe losses of $83 million, or $65 million after tax, for October 2025, linked to five wind and hail events (Corporate Guidance; Unusual Events).
내러티브 업데이트 • Jan 21

ALL: Higher Margins And Buybacks Will Support Stronger Long-Term Upside

Analysts have lifted their price target on Allstate from US$275 to about US$290, citing updated assumptions that include adjusted revenue growth expectations, a different discount rate, a revised profit margin outlook, and a slightly lower future P/E multiple. What's in the News Allstate estimated catastrophe losses of US$83 million, or US$65 million after tax, for October 2025 from five wind and hail events, highlighting recent weather related impacts on results (Corporate Guidance: Unusual Events).
내러티브 업데이트 • Jan 06

ALL: Lower Margins And Catastrophe Losses Will Pressure Future Upside

Analysts have adjusted their price target for Allstate slightly lower to about US$177 from roughly US$177, citing updated assumptions around higher discount rates, a change in expected revenue growth, a reduced profit margin outlook, and a higher future P/E multiple. What's in the News Allstate estimated October 2025 catastrophe losses of $83 million, or $65 million after tax, tied to five wind and hail events (Corporate Guidance, Unusual Events).
내러티브 업데이트 • Dec 22

ALL: Higher Margins Will Outweigh Catastrophe Losses And Drive Share Upside

Analysts have modestly raised their price target on Allstate, reflecting a slight uptick in perceived fair value to approximately 236 dollars per share, as they factor in stronger profit margin expectations that more than offset slightly lower revenue growth and a reduced future earnings multiple. What's in the News Allstate estimated October 2025 catastrophe losses of 83 million dollars, or 65 million dollars after tax, from five wind and hail events (company guidance).
내러티브 업데이트 • Dec 08

ALL: Share Repurchases Will Offset Catastrophe Loss Pressures And Support Upside Potential

Analysts have increased their price target on Allstate by about $0.50 per share, reflecting slightly stronger expected revenue growth and a modestly higher future earnings multiple, which together offset a marginally softer profit margin outlook. What's in the News Allstate reported estimated catastrophe losses of $83 million, or $65 million after tax, from five wind and hail events in October 2025, highlighting continued weather related pressure on underwriting margins (company guidance).
내러티브 업데이트 • Nov 24

ALL: Share Buybacks And Leadership Changes Will Shape Balanced Near-Term Outlook

Analysts have raised their price target for Allstate from $233.45 to $236.10. They cite minor adjustments to projected growth and profitability metrics as the basis for the update.
내러티브 업데이트 • Nov 07

ALL: Share Repurchases And Leadership Changes Will Drive Further Upside

Analysts have modestly raised their price target for Allstate, increasing it from $232.85 to $233.45. This change reflects slight adjustments in their outlook based on updated growth and profitability expectations.
내러티브 업데이트 • Oct 13

Digital Insurance Products Will Expand Markets Despite Competitive Risks

Analysts have raised their price target for Allstate, increasing the fair value estimate from $229.68 to $232.85. This adjustment is attributed to recent improvements in profit margin projections and the maintenance of a steady discount rate.
Seeking Alpha • Mar 28

The Allstate Corporation: The Stock Has Rallied Enough, Time To Hold

Summary I rate Allstate Corporation as a Hold due to its recent rally, valuation concerns, and potential recession risks despite strong fundamentals. Allstate's 2024 performance was impressive, with $64.1 billion in revenue, $4.6 billion net income, and a 26.8% adjusted net income return on equity. The company's strategic transformation focuses on improving underwriting margins, lowering expenses, and expanding digital capabilities, showing significant progress since 2019. Despite strong recent performance, Allstate's investment income and stock performance could be vulnerable to market volatility and recession risks. Read the full article on Seeking Alpha
Seeking Alpha • Mar 22

The Allstate Corporation: A Mispriced Turnaround Insurance Stock (Short-Term Buy Rating)

Summary The Allstate Corp. has completed a multi-year turnaround, showing strong growth and efficiency improvements, making it a mis-priced stock with upside potential. The sale of Group Health and Employer Voluntary Benefits will generate $3.25 billion, potentially funding share buybacks and enhancing shareholder value. Allstate's financials are robust, with significant revenue and net income growth, a pristine balance sheet, and a forward P/E ratio lower than peer. Despite risks from extreme climate events, Allstate's preparedness and strong fundamentals make it a Buy with at least 15% upside potential until the end of the year. Read the full article on Seeking Alpha
Seeking Alpha • Feb 07

Allstate: Improving Results But Lackluster Capital Returns (Rating Upgrade)

Summary Allstate shares have risen 22% over the past year, but recently pulled back 9% due to California wildfire concerns. Q4 results beat expectations with $7.67 EPS and 11% revenue growth, driven by price hikes and cost cuts. Investment income benefits from rising rates, but significant buybacks are not imminent, impacting share price potential. Despite strong fundamentals, limited upside is expected due to auto exposure and lack of clarity on capital returns; shares are rated as a hold. Read the full article on Seeking Alpha
Seeking Alpha • Jan 10

Allstate: High ROEs Likely Unsustainable

Summary Allstate has consistently beaten estimates, but high expectations and competitive pressures may limit future growth, especially in the auto insurance market. The company’s recent performance is strong, with significant improvements in underwriting income and new business levels across all distribution channels. Despite favorable current conditions, long-term margins may normalize, and ROE could decline, posing risks to sustained growth and profitability. Allstate’s valuation appears stretched, and while it remains a solid company, I recommend waiting for a pullback or using covered calls to mitigate downside risk. Read the full article on Seeking Alpha
Seeking Alpha • Dec 08

Allstate: The Bull Case Remains Intact Despite Recent Rally

Summary Shares of The Allstate Corporation (ALL) have delivered a 52% total return since my Buy recommendation on December 2, 2023. The stock's rise has been driven by strong business results, increased forward earnings estimates, and multiple expansion. Despite the significant rally, ALL shares remain attractively valued vs the broader market and peers. I reiterate my Buy rating. Read the full article on Seeking Alpha
Seeking Alpha • Oct 03

Allstate: 'In Good Hands' With Upward Momentum

Summary The property & casualty insurance sector is cyclically poised for significant earnings growth and is among the cheapest sectors of the market. Allstate was recently approved for a 34% rate hike in California and is likely to push through big rate increases in other states as well. At 10.5x earnings, Allstate is a solid value investment with continued business/share price momentum. Additionally, insurance companies aren't as exposed to the business cycle as other stocks like banks, adding a nice diversification benefit for investors. Read the full article on Seeking Alpha
Seeking Alpha • Sep 26

Allstate: There Is Better Value Elsewhere

Summary Allstate has shown improved performance post-2022-23 downturn but lacks strong future business prospects, making it less appealing for long-term investors. The company faces high competition in the personal lines insurance market and lacks a distinct competitive advantage despite its significant market share. Financial performance has been weak due to rising claims costs and catastrophe losses, though recent efforts have improved profitability and underwriting results. Despite a positive stock trend, Allstate's fair valuation and low income appeal suggest better alternatives in the insurance sector, such as Jackson Financial or AIG. Read the full article on Seeking Alpha
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새로운 내러티브 • Aug 20

Tactical Moves And Digital Innovation Propel National General's Growth Trajectory

Introduction of a competitive, technologically advanced auto insurance product may significantly increase market share and revenue.
Seeking Alpha • Jun 10

Allstate: Shows Steady Growth In Property And Casualty Insurance Market

Summary Allstate is currently implementing a cost reduction restructuring process that has reduced their liability expense ratio for the past three years and is projected to continue doing so. The Insurance Industry as a whole is currently under pressure due to a hardening reinsurance market, giving an advantage to flexible, adaptive companies like Allstate. With the Property & Casualty Insurance market projected to grow steadily by at least 8% for at least the next decade, Allstate’s steadily growing market share makes them safe. Read the full article on Seeking Alpha
Seeking Alpha • Apr 18

Allstate: Strong Underwriting Margins, But Shares Due For A Breather

Summary Vehicle insurance premiums are rising steeply, contributing to stickier inflation than expected. The iShares US Insurance ETF has outperformed the S&P 500 in the past year, led by insurers like Allstate. ALL is the largest publicly traded personal lines insurance company and has strong earnings and growth prospects based on current estimates. I highlight expectations ahead of its Q1 report and spot key price levels to watch. Read the full article on Seeking Alpha
Seeking Alpha • Dec 02

Allstate: Shares Are Fully Pricing In A Recovery That May Not Come

Summary Allstate's shares have rallied in recent months, but the market may be overestimating the company's potential for improvement. The company's operating performance is improving, but it is still losing money on underwriting. Allstate is facing challenges in its auto and homeowners units, and its capital position has declined, leading to rating agency downgrades, which constrains capital returns. Read the full article on Seeking Alpha

재무 상태 분석

단기부채: ALL 의 단기 자산 ( $26.3B )은 단기 부채( $72.2B ).

장기 부채: ALL의 단기 자산($26.3B)이 장기 부채($20.2B)를 초과합니다.

부채/자본 비율 추이 및 분석

부채 수준: ALL 의 순부채 대 자기자본 비율( 6.6% )은 satisfactory로 간주됩니다.

부채 감소: ALL의 부채 대비 자본 비율은 지난 5년 동안 29.8%에서 23.7%로 감소했습니다.

부채 범위: ALL 의 부채는 영업 현금 흐름 ( 156.3% )에 의해 잘 충당되었습니다.

이자 보장: ALL 의 부채에 대한 이자 지급은 EBIT(36.2x 적용 범위)로 잘 충당됩니다.

대차대조표

건전한 기업 찾아보기

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기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/06/22 12:35
종가2026/06/22 00:00
수익2026/03/31
연간 수익2025/12/31

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분석가 소스

The Allstate Corporation는 38명의 분석가가 다루고 있습니다. 이 중 15명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Jacob KilsteinArgus Research Company
Taylor ScottBarclays
Jay GelbBarclays