The Allstate Corporation

LSE:0HCZ Stock Report

Market Cap: US$50.8b

Allstate Valuation

Is 0HCZ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0HCZ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
US$530.99
Fair Value
64.2% undervalued intrinsic discount
17
Number of Analysts

Below Fair Value: 0HCZ ($190.17) is trading below our estimate of fair value ($530.99)

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

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0HCZ?

Key metric: As 0HCZ is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0HCZ. This is calculated by dividing 0HCZ's market cap by their current earnings.
What is 0HCZ's PE Ratio?
PE Ratio11.1x
EarningsUS$4.55b
Market CapUS$50.84b

Price to Earnings Ratio vs Peers

How does 0HCZ's PE Ratio compare to its peers?

The above table shows the PE ratio for 0HCZ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.9x
ADM Admiral Group
20.8x10.7%UK£8.3b
BEZ Beazley
5.1x-12.0%UK£5.4b
HSX Hiscox
6.4x-3.8%UK£3.7b
DLG Direct Line Insurance Group
11.5x6.8%UK£3.5b
0HCZ Allstate
11.1x2.1%US$50.8b

Price-To-Earnings vs Peers: 0HCZ is expensive based on its Price-To-Earnings Ratio (11.1x) compared to the peer average (10.9x).

Price to Earnings Ratio vs Industry

How does 0HCZ's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0HCZ 11.1xIndustry Avg. 12.1xNo. of Companies13PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0HCZ is good value based on its Price-To-Earnings Ratio (11.1x) compared to the European Insurance industry average (12.1x).

Price to Earnings Ratio vs Fair Ratio

What is 0HCZ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0HCZ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.1x
Fair PE Ratio12.7x

Price-To-Earnings vs Fair Ratio: 0HCZ is good value based on its Price-To-Earnings Ratio (11.1x) compared to the estimated Fair Price-To-Earnings Ratio (12.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0HCZ forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$190.17
US$224.06
+17.8%
13.9%US$279.00US$138.00n/a17
Feb ’26US$193.78
US$223.76
+15.5%
13.8%US$279.00US$138.00n/a17
Jan ’26US$192.43
US$223.18
+16.0%
14.1%US$285.00US$138.00n/a17
Dec ’25US$207.39
US$221.29
+6.7%
14.3%US$285.00US$138.00n/a17
Nov ’25US$185.37
US$211.35
+14.0%
12.7%US$272.00US$138.00n/a17
Oct ’25US$190.92
US$200.67
+5.1%
10.2%US$226.00US$138.00n/a18
Sep ’25US$187.70
US$198.24
+5.6%
10.1%US$226.00US$130.00n/a17
Aug ’25US$174.83
US$191.41
+9.5%
11.5%US$226.00US$130.00n/a17
Jul ’25US$160.90
US$189.06
+17.5%
10.2%US$213.00US$130.00n/a17
Jun ’25US$166.29
US$186.22
+12.0%
11.6%US$213.00US$130.00n/a18
May ’25US$172.59
US$180.21
+4.4%
12.1%US$206.00US$130.00n/a19
Apr ’25US$173.01
US$176.16
+1.8%
12.5%US$209.00US$122.00n/a19
Mar ’25US$155.33
US$169.89
+9.4%
11.7%US$196.00US$122.00n/a19
Feb ’25US$155.91
US$161.68
+3.7%
12.3%US$193.00US$112.00US$193.7819
Jan ’25US$139.89
US$143.06
+2.3%
10.9%US$165.00US$106.00US$192.4318
Dec ’24US$137.67
US$138.67
+0.7%
11.5%US$160.00US$106.00US$207.3917
Nov ’24US$129.79
US$130.85
+0.8%
12.3%US$156.00US$100.00US$185.3717
Oct ’24US$113.22
US$128.26
+13.3%
11.5%US$154.00US$100.00US$190.9217
Sep ’24US$110.47
US$127.59
+15.5%
11.9%US$154.00US$100.00US$187.7017
Aug ’24US$111.77
US$129.71
+16.0%
13.2%US$162.00US$100.00US$174.8317
Jul ’24US$109.16
US$133.94
+22.7%
11.6%US$157.00US$100.00US$160.9016
Jun ’24US$109.30
US$136.80
+25.2%
11.4%US$157.00US$100.00US$166.2915
May ’24US$116.38
US$139.94
+20.2%
13.0%US$176.00US$100.00US$172.5916
Apr ’24US$110.90
US$141.50
+27.6%
12.2%US$176.00US$104.00US$173.0116
Mar ’24US$127.81
US$144.19
+12.8%
11.9%US$176.00US$104.00US$155.3316
Feb ’24US$127.20
US$145.56
+14.4%
11.8%US$176.00US$105.00US$155.9116
Analyst Price Target
Consensus Narrative from 17 Analysts
US$223.97
Fair Value
15.1% undervalued intrinsic discount
17
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/07 02:30
End of Day Share Price 2025/02/07 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

The Allstate Corporation is covered by 43 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jacob KilsteinArgus Research Company
Alan DevlinAtlantic Equities LLP
Ishan MajumdarBaptista Research