Allstate Corp (The)
ALL - Insider Information
Get informed when a big investor buys or sells
+ FollowMarket Cap$64.93B
Close$
Earnings Call Q3 2026
November 5, 2026 - AI Summary
Strong Q3 operating performance (good):
- Policy growth: Property-Liability policies +3.3% YoY; auto +3.4%, homeowners +3.3%. Protection Services policies 178M, +4% YoY.
- Underwriting profitability: Property-Liability combined ratio 86.6 (auto 83.2, homeowners 89.5). Adjusted underlying combined ratios: auto 91.4 and homeowners 61.9.
- Earnings: Adjusted net income ~$2.5B or $9.76/share; 39.7% adjusted ROE.
Growth + margin dynamics show “managed improvement,” but some deterioration vs prior-year underwriting (somewhat bad / watch closely):
- Management emphasized the adjusted underlying combined ratio ~91.4 vs a mid-90s target, implying profitability remains solid versus goals.
- However, there’s notable intra-year movement (investor noted auto underlying loss ratio deterioration year-over-year). Company response: margins are influenced by inflation in physical damage and bodily injury, and they’re managing via granular pricing and underwriting actions state/sub-state.
Claims reserving / development impact described as a key swing factor (surprising/important):
- Company highlighted that some profitability benefited from prior-year reserve re-estimates (auto in Q3 benefited; homeowners strong on underlying basis despite catastrophes).
- Management discussed that bodily injury development takes longer (multi-year), so results can be quarterly volatile even with “best estimate” reserves and improving claims practices.
Exclusive for Stockcircle Pro members
Sign up
$341.91
27.7% upside
Current Fair Value
27.7% upsideUndervalued by 27.7% based on the discounted cash flow analysis.
Insider Trades
Loading insider trades…
Congress Trades
Loading congress trades…
Share Statistics
| Market cap | $64.93 Billion |
|---|---|
| Enterprise Value | $102.25 Billion |
| Annual dividend | $4.24 |
| Dividend yield | 1.58% |
| Earnings per Share | $38.68 |
| Beta | 0.14 |
| Outstanding Shares | 251,600,000 |
Return
| Return on Equity | 36.03% |
|---|---|
| Return on Assets | 9.11% |
| Return on Invested Capital | 29.93% |
Valuation & Multiples
| P/E Ratio | 5.98 |
|---|---|
| PEG | -13.46 |
| Price to Sales | 0.97 |
| Price to Book Ratio | 2.09 |
| Enterprise Value to Revenue | 1.47 |
| Enterprise Value to EBIT | 6.73 |
| Enterprise Value to Net Income | 8 |
| Total Debt to Enterprise | 0.37 |
| Debt to Equity | 1.17 |
Revenue Sources
No data
Last Earnings Call
Report Date
November 4, 2026
EPS
$9.76
Est. $6.89Revenue
$17.35 B
Est. $15.87 BNext Earnings Call
Expected Date
February 3, 2027
EPS Estimate
$9.69
Consensus analyst estimateRevenue Estimate
$15.12 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 9.58, the ratio is above 1, so institutions hold more puts than calls. That is a more cautious stance.
| Put/Call Ratio | 9.5833▲ 864.90% |
|---|---|
| Total Calls | 240▼ 99.97% |
| Total Puts | 2,300▼ 99.72% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 16.70%▼ 67.35% |
|---|---|
| Total Invested | $9.51B▼ 81.39% |
| Investors Holding | 1,003▼ 808.00% |
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...