Stock Analysis
The Allstate CorporationALL
P/E 4.71×· 5Y range 4.25–36.85×· bottom 7% of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsHold30 analystsP/E 4.7× sits at the 7th percentile of its 5.0978781656399725-year history.
Cash covers 65% of debt · FY 2025.
PMP Verdict
Strong business, attractive price
Strengths
- Profitability95
- Quality74
High-quality business at an attractive price.
Market context
+3.5% today· Z 1.9σ
Bull Case
- ✓ROE 43.5% — efficient capital deployment
- ✓Interest coverage 16.2× — debt well covered
- ✓P/E 4.7× at bottom 7% of 5-year history
What's happening with ALL
Profile
Strong valuation and profitability; moat lags behind.
How is each axis scored?
- Valuation100/100 · Strong
- P/E vs own history (7th pct)25/25
- FCF yield (19.6%)25/25
- P/S (0.9x)25/25
- EV/EBIT (3.7x)25/25
- Growth62/100 · Moderate
- Revenue CAGR (7.6%)12/25
- Net income CAGR (59.2%)25/25
- EPS CAGR 5Y (63.8%)25/25
- Fwd implied growth (-39.0%)0/25
- Profitability95/100 · Strong
- ROIC (42.5%)25/25
- ROE (43.5%)25/25
- Net margin (19.0%)20/25
- Operating margin (25.4%)25/25
- Financial Health63/100 · Moderate
- Altman Z (2.10)18/25
- Current ratio (n/a)0/25
- Interest coverage (16.2x)25/25
- Net cash / debt (D/A 2%)20/25
- Quality74/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.55)25/25
- FCF conversion (92%)22/25
- Margin stability (σ 8.2%)12/25
- Moat43/100 · Weak
- ROIC >12% years (3/5 yrs)13/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst -2.5%)5/25
Risk Flags
- ⚠2 loss-making years in recent history
About The Allstate Corporation
Allstate is one of the largest US property-casualty insurers in the US. Show more
Personal auto represents the largest percentage of revenue, but the company offers homeowners insurance and other insurance products. Allstate products are sold in North America primarily by about 6,000 exclusive agents.
Headquarters: NORTHBROOK, IL · Employees: 53,300 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
100A+P/E (TTM)4.7xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 4.3x–36.8x · 7th pct
P/FCF5.0xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield19.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 8.2%–21.7% · 94th pct
P/S (TTM)0.89xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.5x–1.0x · 95th pct
EV/EBIT3.7xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 3.4x–4.7x · 9th pct
EV/Sales1.0xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E7.7xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.04xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio-0.69A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.95%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio8.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
95A+ROIC42.5%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE43.5%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA10.9%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin19.0%A
Grade A: HighNet Income / Revenue
Operating Margin25.4%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin17.5%A
Grade A: HighFCF / Revenue
True FCF Margin17.5%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
62BRevenue CAGR7.6%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR59.2%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)63.8%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-39.0%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-17.1%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
63BAltman Z-Score2.10C
Grade C: Gray zoneBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage16.2xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.2yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.1xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.24xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.65xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
74B+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.55A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion92.1%A
Grade A: StrongFCF / Net Income
Margin Stability8.2%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue0.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.57xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Jeevanjee Zulfikar Filed | Jeevanjee Zulfikar | Option exercise | -2371 | |
Jeevanjee Zulfikar Filed | Jeevanjee Zulfikar | Tax withholding | -1045 | |
Jeevanjee Zulfikar Filed | Jeevanjee Zulfikar | Option exercise | +2.4K | |
Rizzo Mario Filed | Rizzo Mario | Option exercise | -19 | |
Rizzo Mario Filed | Rizzo Mario | Tax withholding | -8 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Rizzo Mario Filed | Rizzo Mario | Option exercise | +19 | |
Merten Jesse E Filed | Merten Jesse E | Option exercise | -18 | |
Merten Jesse E Filed | Merten Jesse E | Tax withholding | -8 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
43D+ROIC >12% Years3/5 yrsC
Grade C: ModerateShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-2.5%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$52.62
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$3.28
Cash & short-term investments per share (Finnhub)
Book Value / Share$132.67
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$7.49B
Total debt obligations (short + long term)
Cash & Equiv.$4.89B
Cash and short-term investments
Net Debt$2.60B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$30.61B
Shareholders' equity (book value)
Asset / Liability1.34xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$62.55B
Current Market Capitalization
Beta0.15B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: The Allstate Corporation (ALL)
ALL is up 3.46% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for The Allstate Corporation. Altman Z-Score of 2.10 falls in the grey zone (1.81–2.99) — financial distress is unlikely but not ruled out. Beneish M-Score of -2.55 suggests a low likelihood of earnings manipulation. The Allstate Corporation converts about 17% of revenue into free cash flow — strong cash generation.
- Takes ~0.2 years to repay net debt from free cash flow.
- The Allstate Corporation posted a net loss in 2 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 100/100, ALL trades near the cheapest end of its own historical range (P/E 4.7).
- Return on equity of 43.5% is well above the market average.
See how ALL ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all ALL moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 8 | Regular | 230.51 | +2.93% | 2.23 |
| Oct 8 | After-hours | 230.63 | +2.98% | 2.26 |
| Sep 22 | Regular | 229.10 | -5.67% | -4.25 |
| Sep 22 | After-hours | 230.00 | -5.30% | -3.95 |
| Sep 21 | Regular | 242.63 | -2.88% | -2.19 |
Frequently Asked Questions about ALL
What is the current The Allstate Corporation (ALL) stock price?
ALL is trading at $247.88 at the last market close, up 3.46% on the session. PreMarketPrice tracks ALL pre-market, intraday and after-hours prices.
Is ALL stock a buy right now?
PreMarketPrice's quantitative model rates The Allstate Corporation's financial health at 63/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is ALL stock overvalued?
The Allstate Corporation trades at a trailing P/E of 4.7 and our valuation score rates it 100/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does The Allstate Corporation report earnings?
No confirmed earnings date is currently scheduled for ALL. The Earnings section lists recent reports and updates as dates are announced.
What sector does The Allstate Corporation operate in?
The Allstate Corporation operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does The Allstate Corporation do?
Allstate is one of the largest US property-casualty insurers in the US.
About The Allstate Corporation (ALL) Stock
The Allstate Corporation (ALL) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. As of the latest update, The Allstate Corporation is trading at $247.88, up 3.46% on the day with a market capitalization of $62.5 billion. The financial health score for ALL is 63/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for ALL stock.
ALL Stock Analysis & Key Metrics
On PreMarketPrice, you can track The Allstate Corporation (ALL) across multiple dimensions:
- Pre-market price & movement: Real-time ALL stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for ALL with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for The Allstate Corporation across multiple reporting periods.
- Financial health score: A composite score of 63/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for ALL.
- Sector peers: Compare ALL against 6 other financial services stocks on key financial metrics.
Is ALL a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate The Allstate Corporation (ALL) as an investment. The financial health score of 63/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.The Allstate Corporation (ALL) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.