Allstate Corp (The)
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+ FollowMarket Cap$66.03B
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Earnings Call Q2 2026
August 5, 2026 - AI Summary
Strong earnings + underwriting performance (good):
- 2Q26 net premiums written +2.6%, supported by continued auto + homeowners growth and issued applications +9.9%.
- Total policies in force +3.8% to 215.9M (Property-Liability +2.6%; Protection Services +4.1%).
- GAAP net income $3.2B; adjusted net income $2.3B ($8.99/share).
- Combined ratio 86.6% (reported), improving 4.5 points YoY; underlying combined ratio 79.4% (roughly in line with prior-year quarter).
- Investment income +33.8% to $1.0B, benefiting from longer duration and portfolio size/performance; also capital gains from prior equity increases.
Capital generation + shareholder returns (good, with specifics):
- Company highlighted high adjusted ROE ~44.2% over last 12 months.
- 2Q share repurchases $1.0B; total returned to shareholders $1.3B in the quarter.
- $2.6B remaining under the $4B repurchase authorization announced in February; management said they intend to complete the $4B.
- Holding company deployable capital $9.5B (~$37/share)—management argues they can fund growth, investments, and buybacks simultaneously.
Technology/AI focus: “technology-driven” + Ally rollout (surprising/important, but not fully quantified):
- Management claims Allstate is already deeply analytics-driven: 250+ analytical models, 40 petabytes of data, 1.5B CPU compute hours, 100M+ quotes, 50M leads with sub-second response times.
- Building Ally, an agentic AI ecosystem intended to improve customer value, lower cost, and increase growth via an architecture with 8 integrated components and an orchestration layer from the “transformative growth initiative.”
- CFO emphasis: no major barrier to continuing tech investment; no reliance on public LLMs for their own core work (aiming to avoid data leakage to third-party models).
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$341.91
27.1% upside
Current Fair Value
27.1% upsideUndervalued by 27.1% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $66.03 Billion |
|---|---|
| Enterprise Value | $102.07 Billion |
| Annual dividend | $4.24 |
| Dividend yield | 1.63% |
| Earnings per Share | $38.68 |
| Beta | 0.14 |
| Outstanding Shares | 256,000,000 |
Return
| Return on Equity | 39.49% |
|---|---|
| Return on Assets | 10.67% |
| Return on Invested Capital | 32.91% |
Valuation & Multiples
| P/E Ratio | 5.13 |
|---|---|
| PEG | 9.29 |
| Price to Sales | 0.99 |
| Price to Book Ratio | 2.05 |
| Enterprise Value to Revenue | 1.47 |
| Enterprise Value to EBIT | 5.87 |
| Enterprise Value to Net Income | 7 |
| Total Debt to Enterprise | 0.36 |
| Debt to Equity | 1.09 |
Revenue Sources
No data
Last Earnings Call
Report Date
November 4, 2026
EPS Estimate
$6.89
Consensus analyst estimateRevenue Estimate
$15.87 B
Consensus analyst estimateNext Earnings Call
Expected Date
February 3, 2027
EPS Estimate
$9.39
Consensus analyst estimateRevenue Estimate
$14.85 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 7.50, the ratio is above 1, so institutions hold more puts than calls. That is a more cautious stance.
| Put/Call Ratio | 7.5000▲ 656.56% |
|---|---|
| Total Calls | 240▼ 99.97% |
| Total Puts | 1,800▼ 99.78% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 5.26%▼ 78.79% |
|---|---|
| Total Invested | $2.98B▼ 94.17% |
| Investors Holding | 697▼ 1114.00% |
About Allstate Corp (The)
2,020 employees
CEO: Thomas Wilson
The Allstate Corporation protects people from life's uncertainties with a wide array of protection for autos, homes, electronic devices and identity theft with more than 172 million policies in force. Products are available through a br...