Allstate (ALL)
One of America's big car-and-home insurers, covering everyday drivers and homeowners.
Is Allstate a good stock for a UK beginner?
The honest version: One of America's big car-and-home insurers, covering everyday drivers and homeowners.
Over about 2 years to 2026-07-31. This is the share price only - reinvesting the dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
disciplined pricing and market-share gains sustain above-average returns across a full underwriting cycle
structurally higher catastrophe losses or regulatory rate caps compress margins over an extended period
What does Allstate do?
Allstate takes premiums from drivers and homeowners and, in return, foots the bill for accidents, damage, theft and other covered losses. It profits when it prices those policies right versus what it eventually pays out in claims - a balance (the underwriting cycle) that shifts with the weather, repair costs and legal and litigation trends. It also earns investment income on premiums it's holding before claims come in. The one thing worth watching -> whether pricing keeps pace with claims costs.
On our factor screen it looks strongest on momentum and income, and weakest on growth.
- ✓Pays a dividend - about 1.6% a year
- ✓Growing - revenue up about 3% over the year
- ✓Very profitable - turns about 18% of sales into profit
- ·Low P/E of 6 vs last year's earnings
- ✓Low debt - a sturdier balance sheet
- ✓Strong return on shareholder money (ROE 45%)
- Value screens high (73/100)
- Momentum screens high (87/100)
- Income screens high (78/100)
- currently very high return on shareholders' equity
- low trailing valuation multiple relative to reported earnings
- catastrophe and severe weather losses
- claims-cost (social) inflation from repair and medical costs and litigation trends
- state-level regulation of insurance rate filings
What do Allstate's numbers mean?
How much money does Allstate make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Does Allstate pay a dividend?
Yes - Allstate currently pays a dividend of about 1.6% a year (the yearly payout as a share of the price). A dividend is a slice of profit handed to shareholders; the yield moves as the price moves, and a company can cut or stop it.
When does Allstate report earnings, and how did recent quarters go?
Allstate is next scheduled to report on about 2026-08-05 - dates can move, and we don't predict results; this just tells you when to look.
Each quarter a company reports its results against what analysts expected. ‘Beating’ or ‘missing’ is about that expectation, not whether the business is doing well in absolute terms.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-04-29 | $7.24 | $10.65 | Beat +47% |
| 2026-02-04 | $10.21 | $14.37 | Beat +41% |
| 2025-11-05 | $7.57 | $13.95 | Beat +84% |
| 2025-07-30 | $3.87 | $7.76 | Beat +101% |
| 2025-04-30 | $2.53 | $3.53 | Beat +39% |
| 2025-02-05 | $6.15 | $7.07 | Beat +15% |
Across the last 6 quarters here, Allstate came in ahead of what analysts expected 6 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Reported vs expected earnings per share (EPS) from published results; the expectation is the analyst consensus, not our view. Report dates are estimates that can move.
More in Financial Services
What are the scenarios for Allstate?
An illustrative range for the year ahead, with the assumption behind each case — not a prediction or a price target.
What are the pros and cons of Allstate?
How many points the write-up makes each way — a balance check, not a score or verdict.
- currently very high return on shareholders' equity
- low trailing valuation multiple relative to reported earnings
- modest dividend income on top of any price movement
- revenue growth has been slow in percentage terms
- the notably higher forward multiple versus trailing implies the market expects profitability to moderate
- underwriting profit for property-and-casualty insurers can swing significantly from year to year
- catastrophe and severe weather losses
- claims-cost (social) inflation from repair and medical costs and litigation trends
- state-level regulation of insurance rate filings
- competitive pricing pressure from other large insurers
The write-up's own warning lights — if these start happening, the case above changes.
- catastrophe losses spiking well above historical averages
- regulators blocking or delaying requested rate increases
- claims severity trends worsening in reported results
- the combined ratio (a standard insurance profitability measure) deteriorating
Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →