Stock Analysis Report

Executive Summary

The Allstate Corporation, through its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada.

Snowflake Analysis

Undervalued with solid track record and pays a dividend.

Similar Companies

Share Price & News

How has Allstate's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: 0HCZ has not had significant price volatility in the past 3 months.

Market Performance

7 Day Return




GB Insurance


GB Market

1 Year Return




GB Insurance


GB Market

Return vs Industry: 0HCZ exceeded the UK Insurance industry which returned -6.7% over the past year.

Return vs Market: 0HCZ exceeded the UK Market which returned 1.4% over the past year.

Shareholder returns

7 Day29.2%-5.5%-4.4%
30 Day5.1%-3.2%-6.3%
90 Day10.0%0.5%-2.7%
1 Year33.6%30.9%3.7%-6.7%6.7%1.4%
3 Yearn/a12.5%-7.6%12.6%-1.5%
5 Yearn/a24.3%-7.6%28.8%-0.7%

Price Volatility Vs. Market

How volatile is Allstate's share price compared to the market and industry in the last 5 years?

Simply Wall St News

No news available


Is Allstate undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: 0HCZ ($123.56) is trading below our estimate of fair value ($261.83)

Significantly Below Fair Value: 0HCZ is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: 0HCZ is good value based on its PE Ratio (8.2x) compared to the Insurance industry average (14x).

PE vs Market: 0HCZ is good value based on its PE Ratio (8.2x) compared to the UK market (17.7x).

Price to Earnings Growth Ratio

PEG Ratio: 0HCZ's earnings are forecast to decline next year, so we can't calculate its PEG ratio.

Price to Book Ratio

PB vs Industry: 0HCZ is good value based on its PB Ratio (1.6x) compared to the GB Insurance industry average (1.8x).

Next Steps

Future Growth

How is Allstate forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: 0HCZ's earnings are forecast to decline over the next 3 years (-12.9% per year).

Earnings vs Market: 0HCZ's earnings are forecast to decline over the next 3 years (-12.9% per year).

High Growth Earnings: 0HCZ's earnings are forecast to decline over the next 3 years.

Revenue vs Market: 0HCZ's revenue is expected to decline over the next 3 years (-6.5% per year).

High Growth Revenue: 0HCZ's revenue is forecast to decline over the next 3 years (-6.5% per year).

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: 0HCZ's Return on Equity is forecast to be low in 3 years time (13.4%).

Next Steps

Past Performance

How has Allstate performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 0HCZ has high quality earnings.

Growing Profit Margin: 0HCZ's current net profit margins (10.5%) are higher than last year (5.1%).

Past Earnings Growth Analysis

Earnings Trend: 0HCZ's earnings have grown by 9% per year over the past 5 years.

Accelerating Growth: 0HCZ's earnings growth over the past year (132.5%) exceeds its 5-year average (9% per year).

Earnings vs Industry: 0HCZ earnings growth over the past year (132.5%) exceeded the Insurance industry 23.4%.

Return on Equity

High ROE: 0HCZ's Return on Equity (18.6%) is considered low.

Next Steps

Financial Health

How is Allstate's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Inventory Level: 0HCZ has a low level of unsold assets or inventory.

Debt Coverage by Assets: 0HCZ's debt is covered by short term assets (assets are 3.2x debt).

Financial Institutions Analysis

Asset Level: 0HCZ's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if 0HCZ has a sufficient allowance for bad loans.

Low Risk Liabilities: 0HCZ reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if 0HCZ has an acceptable proportion of non-loan assets held.

Low Risk Deposits: 0HCZ has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if 0HCZ has an appropriate level of bad loans.

Next Steps


What is Allstate's current dividend yield, its reliability and sustainability?


Current Dividend Yield

Upcoming Dividend Payment

TodayFeb 26 2020Ex Dividend DateFeb 28 2020Dividend Pay DateApr 01 202033 days from Ex DividendBuy in the next 1 day to receive upcoming dividend

Dividend Yield vs Market

Notable Dividend: 0HCZ's dividend (1.84%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (1.9%).

High Dividend: 0HCZ's dividend (1.84%) is low compared to the top 25% of dividend payers in the UK market (5.34%).

Stability and Growth of Payments

Stable Dividend: 0HCZ's dividends per share have been stable in the past 10 years.

Growing Dividend: 0HCZ's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (14%), 0HCZ's dividend payments are thoroughly covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: 0HCZ's dividends in 3 years are forecast to be well covered by earnings (21.6% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Tom Wilson (61yo)





Mr. Thomas Joseph Wilson, II, also known as Tom, has been the Chairman of The Allstate Corporation since May, 2008, as its Chief Executive Officer since January 1, 2007 and President since February 23, 201 ...

CEO Compensation Analysis

Compensation vs Market: Tom's total compensation ($USD18.69M) is above average for companies of similar size in the UK market ($USD4.70M).

Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.

Leadership Team

Thomas Wilson
Chairman13.1yrsUS$18.69m0.24% $92.9m
Mario Rizzo
Executive VP & CFO2.1yrsUS$4.33m0.0060% $2.3m
Steven Shebik
Vice Chairman2.1yrsUS$7.16m0.050% $19.2m
John Dugenske
President of Investments & Financial Products - Allstate Investments0.08yrsUS$6.76m0.000060% $22.9k
John Pintozzi
Senior VP0.4yrsno data0.0046% $1.8m
John Griek
Director4.1yrsno datano data
Susan Lees
Executive VP7.7yrsno data0.014% $5.2m
Elizabeth Brady
Executive VP and Chief Marketing0.08yrsno datano data
Samuel Pilch
Senior Group VP & Controller of Allstate Insurance Company24.1yrsUS$1.85mno data
Julie Parsons
Chief Operating Officer of Personal Property-Liability - Allstate Insurance Company0yrsno datano data


Average Tenure


Average Age

Experienced Management: 0HCZ's management team is considered experienced (2.1 years average tenure).

Board Members

Thomas Wilson
Chairman13.1yrsUS$18.69m0.24% $92.9m
Michael Eskew
Independent Director5.6yrsUS$296.06k0.000060% $22.9k
Siddharth Mehta
Independent Director6yrsUS$305.06kno data
Judith Sprieser
Lead Director4.8yrsUS$330.06kno data
Gregg Sherrill
Independent Director2.3yrsUS$280.06kno data
Perry Traquina
Independent Director3.7yrsUS$280.06k0.00025% $95.5k
Andrea Redmond
Independent Director10.1yrsUS$300.06k0.0013% $481.3k
Kermit Crawford
Independent Director7.1yrsUS$302.46k0.00032% $122.2k
Margaret Keane
Independent Director2.1yrsUS$344.66k0.00070% $267.4k
Jacques Perold
Independent Director4.2yrsUS$280.06k0.000010% $3.8k


Average Tenure


Average Age

Experienced Board: 0HCZ's board of directors are considered experienced (5.2 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

The Allstate Corporation's company bio, employee growth, exchange listings and data sources

Key Information

  • Name: The Allstate Corporation
  • Ticker: 0HCZ
  • Exchange: LSE
  • Founded: 1931
  • Industry: Property and Casualty Insurance
  • Sector: Insurance
  • Market Cap: US$38.201b
  • Shares outstanding: 316.91m
  • Website:

Number of Employees


  • The Allstate Corporation
  • 2775 Sanders Road
  • Northbrook
  • Illinois
  • 60062
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ALLNYSE (New York Stock Exchange)YesCommon StockUSUSDJun 1993
ALSDB (Deutsche Boerse AG)YesCommon StockDEEURJun 1993
ALSXTRA (XETRA Trading Platform)YesCommon StockDEEURJun 1993
0HCZLSE (London Stock Exchange)YesCommon StockGBUSDJun 1993
ALL.PRBNYSE (New York Stock Exchange)SUB DEB 53USUSDJan 2013
ALL.PRGNYSE (New York Stock Exchange)DEP 1/1000 PFD GUSUSDMar 2018
ALL.PRHNYSE (New York Stock Exchange)DP SHS PFD HUSUSDAug 2019
ALL.PRINYSE (New York Stock Exchange)4.75 DP PFD IUSUSDNov 2019
A1TT34BOVESPA (Bolsa de Valores de Sao Paulo)BDR EACH 2 REPR 1 SHS UNSPONBRBRLJan 2020


The Allstate Corporation, through its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. The company operates through Allstate Protection, Service Businesses, Allstate Life, and Allstate Benefits 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 insurance; and commercial lines products under the Allstate, Esurance, and Encompass brand names. The Service Businesses segment provides consumer electronics and appliance protection plans covering TVs, smartphones, and computers; device and mobile data collection services, analytics and customer risk assessment solutions, and telematics services; roadside assistance services, such as towing, jump-start, lockout, fuel delivery, and tire change services; and vehicle service contracts, guaranteed asset protection waivers, road hazard tire and wheel protection, and paintless dent repair protection services under the SquareTrade, Arity, Allstate Roadside Services, and Allstate Dealer Services brands. The Allstate Life Segment offers term, whole, interest-sensitive, and variable life insurance products, as well as non-proprietary retirement product solutions offered by third-party providers. Its Allstate Benefits segment provides life, accident, critical illness, short-term disability, and other health insurance products. The company sells its products through agencies, as well as directly through contact centers and Internet; and financial specialists, brokers, relationships with wholesale partners, and affinity groups. The Allstate Corporation was founded in 1931 and is headquartered in Northbrook, Illinois. 

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/25 23:48
End of Day Share Price2020/02/24 00:00
Annual Earnings2019/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.