1.58%
0.54%
3.92%
13.27%
24.85%
60.63%
63.51%
AI Spotlight on ALL
Company Description
The Allstate Corporation, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada.The company operates through Allstate Protection; Protection Services; Allstate Health and Benefits; and Run-off Property-Liability 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 and stand-alone scheduled personal property; and commercial lines products under the Allstate and Encompass brand names.
The Protection Services segment provides consumer product protection plans and related technical support for mobile phones, consumer electronics, furniture, and appliances; finance and insurance products, including vehicle service contracts, guaranteed asset protection waivers, road hazard tire and wheel, and paint and fabric protection; roadside assistance; device and mobile data collection services; data and analytic solutions using automotive telematics information; and identity protection services.This segment offers its products under various brands including Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside Services, Arity, and Allstate Identity Protection.The Allstate Health and Benefits provides life, accident, critical illness, short-term disability, and other health insurance products.
The Run-off Property-Liability offers property and casualty insurance.It sells its products through call centers, agencies, financial specialists, independent agents, brokers, wholesale partners, and affinity groups, as well as through online and mobile applications.The Allstate Corporation was founded in 1931 and is based in Northbrook, Illinois.
Market Data
| Last Price | 193.83 |
| Change Percentage | 1.58% |
| Open | 192.82 |
| Previous Close | 190.81 |
| Market Cap ( Millions) | 51327 |
| Volume | 867606 |
| Year High | 209.88 |
| Year Low | 153.42 |
| M A 50 | 194.54 |
| M A 200 | 180.73 |
Financial Ratios
| FCF Yield | 16.02% |
| Dividend Yield | 1.90% |
| ROE | 22.29% |
| Debt / Equity | 38.72% |
| Net Debt / EBIDTA | 44.57% |
| Price To Book | 2.46 |
| Price Earnings Ratio | 12.13 |
| Price To FCF | 6.24 |
| Price To sales | 0.82 |
| EV / EBITDA | 3.59 |
News
- 00:48 - Nationwide to acquire Allstate's stop-loss insurance business in $1.25 billion deal
- Jan -30 - Nationwide to Acquire Allstate Employer Stop Loss Business for $1.25 billion
- Jan -30 - Allstate to sell Group Health business to Nationwide
- Jan -30 - Allstate Q4 Earnings Countdown: How to Play ALL Stock Ahead of Results
- Jan -23 - Allstate (ALL) Stock Slides as Market Rises: Facts to Know Before You Trade
- Jan -22 - CaseyGerry Investigates Alleged Privacy Violations by Allstate and Arity, LLC
- Jan -17 - Allstate, Chubb, Progressive Face Significant Losses From Wildfires, Weather Events Say Analysts Ahead Of Q4 Reports
- Jan -16 - Insurance Fallout Of The California Fires
- Jan -15 - Allstate Stock Slides. Why It Isn't Just the L.A.
- Jan -14 - Allstate Stock Rises. Why the L.A.
- Jan -13 - Texas Sues Allstate Over Its Collection of Driver Data
- Jan -13 - Texas sues Allstate over data collection from cellphones
- Jan -13 - Stocks Slide as Strong Jobs Data Sparks Inflation and Rate Worries
- Jan -13 - Allstate, Travelers Stocks Fall on New L.A. Fires Risk.
- Jan -10 - Allstate: High ROEs Likely Unsustainable
- Jan -10 - Allstate Helping Southern California Customers, Communities Recover from Wildfires
- Jan -10 - Insurance Company Stocks Fall as Damage Estimates from California Wildfires Rise
- Jan -09 - Analysis: California Wildfires Insured Losses Will Near $10 Billion
- Jan -07 - Allstate to Hold Q4 2024 Earnings Call Feb. 6
- Jan -03 - Is Allstate Stock's Cheaper Valuation a Discount Deal or Fool's Gold?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Property-Liability
Expected Growth : 5.5 %
What the company do ?
Why we expect these perspectives ?
The 5.5% growth in Property-Liability segment of The Allstate Corporation is driven by increased premiums earned from expanded product offerings, improved pricing strategies, and a growing customer base. Additionally, favorable loss trends, enhanced risk selection, and a strong brand reputation contribute to the segment's growth.
Segment n°2 -> Protection Services
Expected Growth : 5.8 %
What the company do ?
Why we expect these perspectives ?
The 5.8% growth in Protection Services from The Allstate Corporation is driven by increasing demand for insurance products, expansion into new markets, and strategic partnerships. Additionally, investments in digital platforms and data analytics have enhanced customer experience, leading to higher retention rates and new business acquisitions.
Segment n°3 -> Allstate Health and Benefits
Expected Growth : 6.2 %
What the company do ?
Why we expect these perspectives ?
Allstate Health and Benefits' 6.2% growth is driven by increasing demand for voluntary benefits, expansion of product offerings, and strategic partnerships. Additionally, the rise of the gig economy and growing awareness of health and wellness are contributing to the segment's growth. Furthermore, Allstate's strong brand reputation and distribution network are enabling the segment to capitalize on these trends.
Segment n°4 -> Corporate and Other
Expected Growth : 5.2 %
What the company do ?
Why we expect these perspectives ?
The 5.2% growth in Corporate and Other segment of The Allstate Corporation is driven by increased investment income, favorable tax settlements, and a rise in net gains on investments. Additionally, the company's cost-saving initiatives and improved operational efficiency have contributed to the growth.
Segment n°5 -> Intersegment Eliminations
Expected Growth : 0.0 %
What the company do ?
Why we expect these perspectives ?
The 0.0% growth in Intersegment Eliminations from The Allstate Corporation is attributed to the offsetting effects of increased premiums earned from its property-liability insurance segment and decreased revenues from its life insurance segment, resulting in no net change.
The Allstate Corporation Products
| Product Range | What is it ? |
|---|---|
| Auto Insurance | Allstate's auto insurance provides financial protection against physical damage and bodily injury resulting from traffic collisions and other accidents. |
| Home Insurance | Allstate's home insurance provides financial protection against damage to a policyholder's home and personal belongings due to natural disasters, theft, and other perils. |
| Life Insurance | Allstate's life insurance provides a financial safety net for loved ones in the event of a policyholder's death, helping to ensure their financial well-being. |
| Motorcycle Insurance | Allstate's motorcycle insurance provides financial protection against physical damage and bodily injury resulting from motorcycle accidents. |
| Renters Insurance | Allstate's renters insurance provides financial protection against damage to personal belongings and liability for accidents that occur in a rental property. |
| Business Insurance | Allstate's business insurance provides financial protection against various types of risks, such as liability, property damage, and business interruption. |
| Identity Protection | Allstate's identity protection provides monitoring and restoration services to help protect individuals from identity theft and fraud. |
| Roadside Services | Allstate's roadside services provide assistance with towing, fuel delivery, lockout services, and other roadside emergencies. |
The Allstate Corporation's Porter Forces
Threat Of Substitutes
The threat of substitutes for Allstate Corporation is medium due to the presence of alternative insurance providers and financial institutions that offer similar products and services.
Bargaining Power Of Customers
The bargaining power of customers for Allstate Corporation is low due to the company's strong brand reputation and the lack of price sensitivity among customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Allstate Corporation is medium due to the company's dependence on a few large suppliers for certain products and services.
Threat Of New Entrants
The threat of new entrants for Allstate Corporation is low due to the high barriers to entry in the insurance industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry for Allstate Corporation is high due to the highly competitive nature of the insurance industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 31.82% |
| Debt Cost | 6.38% |
| Equity Weight | 68.18% |
| Equity Cost | 6.38% |
| WACC | 6.38% |
| Leverage | 46.66% |
The Allstate Corporation : Quality Control
The Allstate Corporation passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CINF | Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and … |
| CNA | CNA Financial Corporation provides commercial property and casualty insurance products primarily in the United States. It operates through Specialty, Commercial, International, Life & Group, and Corporate & Other segments. The … |
| FFH.TO | Fairfax Financial Holdings Limited, through its subsidiaries, provides property and casualty insurance and reinsurance, and investment management services in the United States, Canada, Asia, and internationally. The company operates through … |
| PGR | The Progressive Corporation, an insurance holding company, provides personal and commercial auto, personal residential and commercial property, general liability, and other specialty property-casualty insurance products and related services in the … |
| TRV | The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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CNA Financial
A-Score
1-Year Total Return ->
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Travelers
A-Score
1-Year Total Return ->
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Cincinnati Financial
A-Score
1-Year Total Return ->
4
Allstate
A-Score
1-Year Total Return ->
5
Fairfax Financial Holdings
A-Score
1-Year Total Return ->
6
