Allstate Corp (ALL) stock analysis
Allstate Corp (ALL) clears 6 of this site's 8 mechanical value filters, 7 of 8 Buffett-style checks and 3 of 5 Lynch-style checks. A free-cash-flow DCF does not fit insurance companies, so no margin of safety is shown. It returns +3.3% to shareholders net of dilution. Figures are as of October 23, 2026, from SEC filings and market data refreshed weekly; this is educational analysis, not investment advice.
Data as of October 23, 2026. Refreshed weekly from SEC filings and market data.
What does Allstate do?
Allstate sells auto and home insurance to US households under the Allstate name and other brands, and earns from premiums and investment income. It also sells protection plans and device insurance.
Brands and businesses it owns
- Allstate
- National General
- SquareTrade
What stands out about Allstate?
- No filter fails. ALL passes 6 of the 8 value filters and 2 were not evaluated. See every filter.
- Strongest against peers: P/E ratio. At 4.9× (peer median 13.2×) it ranks 1st of 23 among insurance stocks this site tracks. See the ranking.
- P/E at the bottom of its own range. ALL trades at 4.9× trailing earnings; at the end of each of its last 3 fiscal years the multiple was between 5.4× and 21.8×.
- Priced at 4.9 times earnings. Price-to-book is 1.9 and return on equity 43.1%. See the value diligence check.
How has Allstate's share price moved?
The interactive price chart needs JavaScript.
Is Allstate undervalued? The value diligence check
Every value-investing signal this site computes for this stock, gathered in one place: the same real numbers from the tools below, not a new score.
- Margin of safety (DCF) n/a (Insurance)
- P/E vs. its own history 4.9x · at/below its cheapest point Real range: 5.4x–21.8x over 3 years (net income per diluted share from each fiscal year's 10-K, paired with the real closing price at that fiscal year-end).
- Wall St. analyst rating Hold · 3.45/5 31 analysts this month: 5 strong buy, 9 buy, 13 hold, 3 sell, 1 strong sell (Finnhub). Down from 3.47 last month.
- Altman Z″-Score (bankruptcy risk) n/a (Insurance)
- Earnings quality (is the profit real?) n/a (bank, insurer or REIT)
- Shareholder yield (cash back to owners) +3.3% net Latest fiscal year (2025): dividends 1.6% + buybacks 1.9% − stock comp 0.2%, as a share of today's market cap. Over 14 years its split-adjusted share count fell 49%. See Shareholder Yield Leaders.
- Capital needed to grow (See's test) n/a (bank, insurer, lender or REIT)
- PEG (growth at a reasonable price) n/a (falling or negative earnings)
- Compounder lenses (4) 1 of 4 · misses capital-light (n/a), real profit (n/a), price (n/a) Capital-light growth: cannot be measured (bank, insurer, lender or REIT); Profit is real: cannot be measured (bank, insurer or REIT); Cash to owners: cleared; Fair price (PEG): cannot be measured (falling or negative earnings). See Compounders at a Fair Price, which also lets you move the PEG bar.
- Munger's Inversion Check 0 flags
- Standing vs. sector peers 4 of 4 measures above the median Compared with the 22 other insurance stocks this site tracks: 3 in the top third, 0 in the bottom third.
- Dividend payout sustainability 0/6 · clean
How does Allstate compare with its peers?
4 of 4 measures sit above the median of the 22 other insurance stocks tracked here, 3 in the top third.
- P/E ratiolower is cheaper · peer median 13.2× 4.9× ✓1st of 23
- Return on equityhigher is better · peer median 20% 43% ✓1st of 23
- Net marginhigher is better · peer median 14.2% 19.0% ✓6th of 23
- Dividend yieldamong dividend payers · peer median 1.75% 1.83% –11th of 23
Peers are the stocks this site tracks in the same sector group, not every listed competitor. The bar runs from the weakest peer (left) to the strongest (right); the tick is the middle. Measures that don't apply to a sector (cash-flow yield for banks, debt for financials) are left out.
What would Buffett & Lynch say?
Buffett's checklist is built around durable, profitable businesses bought at sensible prices, and ALL clears it. In its favor: ALL is currently earning a strong return on shareholders' equity, carries a conservative amount of debt relative to equity, converts sales into profit at healthy margins, has grown earnings per share at a solid clip over five years, earns many times its interest expense, so debt service isn't a worry, is trading below what a conservative discounted-cash-flow estimate says it's worth - his own "price is what you pay, value is what you get" test, not a fixed multiple ceiling, and trades at a reasonable multiple of owner earnings, his own term for the real cash a business could pay out. Where it comes up short: ALL and its five-year average return on equity falls short too, so this isn't just a one-off dip.
- ROE (TTM) > 11% ✓
- ROE (5yr avg) > 11% ✕
- Debt/Equity < 0.5 ✓
- Pretax margin > 15% ✓
- EPS growth (5yr) > 7% ✓
- Interest coverage > 5x ✓
- Trading below intrinsic value (DCF) ✓
- Price vs. owner earnings < 25x ✓
- Bonus: returning capital via buybacks FY2025
Lynch looked for growth stories that weren't overpriced for that growth, and ALL falls short of his bar. In its favor: ALL isn't leaning on debt to fund that growth, isn't asking too much even by a fast grower's usual richer multiple, and is generating real cash to back up a fast grower's higher price tag. Where it comes up short: ALL doesn't clear the tighter PEG bar a fast grower needs to justify its pace, and is growing earnings outside the 20-50% band he considered sustainable for a fast grower - either not fast enough to earn the label, or a pace he'd flag as unlikely to hold up.
- PEG < 1 (stricter for fast growers) ✕
- EPS growth 20%-50% ✕
- Debt/Equity < 0.5 ✓
- P/E < 40 ✓
- Price/FCF < 40 ✓
Quantitative approximations of each investor's documented approach, not endorsed by either investor or their estates - commentary, not this site's actual ranking criteria. Buffett never published a numeric checklist: only 2 of his 8 checks here trace to his own documented concepts ("owner earnings," from his 1986 shareholder letter, and "price is what you pay, value is what you get," his case against fixed P/E/P/B ceilings) - the other 6 (ROE, debt, margins, growth, interest coverage) use commonly-cited thresholds that are not numbers he himself published. The 8 hard filters below (plus the Munger check and Graham margin of safety) are this site's real, mechanical screen and are computed completely independently of the checklists above.
Berkshire Hathaway's own filing
Which of the 8 value filters does Allstate pass?
- Market Cap > $25B $64.9B
- Trailing P/E < 25 4.88
- PEG Ratio < 1.5 -0.69
- Price/Book < 8 1.93
- Price/Sales < 7 0.93
- EPS Growth YoY > -5% +60.4%
- vs 50-day MA (±12%) Not evaluated †
- vs 200-day MA (±12%) Not evaluated †
What is Allstate's margin of safety?
A standard free-cash-flow DCF doesn't fit how insurance companies report cash flow.
Where is Allstate in its 52-week range?
What is the short interest in Allstate?
7,017,394 shares short as of 2026-09-30 (FINRA settlement date). Reported twice a month, so this only changes roughly every two weeks, not daily.
What could go wrong with Allstate? Munger's inversion check
"Invert, always invert." Instead of reasons to buy, these are reasons to hesitate, not a verdict, and not everything worth knowing about a business.
- Margin of safety, even in the bull case n/a (Insurance)
- Short interest under 5% of float 2.8%
- Passes most of the 6 fundamental filters 6/6 passed
Doesn't cover circle of competence, management quality, or accounting concerns: those need judgment, not data.
How much have Allstate shareholders gained per year?
Earnings growth per share plus dividend.
An earnings-based proxy, not a stock-price total return - it doesn't capture multiple expansion/contraction or reinvested dividends. EPS from ALL's own 10-K filings; dividend yield is the current trailing yield on today's price, from the same weekly fetch as the rest of this site.
What do Allstate's 10-year financials show?
From ALL's own 10-K filings (SEC EDGAR): up to the last 10 fiscal years. Press any year's bars for the exact figures.
Frequently asked questions about Allstate
What kind of company is Allstate?
Allstate sells auto and home insurance to US households under the Allstate name and other brands, and earns from premiums and investment income. It also sells protection plans and device insurance. Brands and businesses it owns include Allstate, National General and SquareTrade. This site groups it with Insurance stocks.
Why does Allstate have no margin of safety on this site?
This site's DCF values a company from its free cash flow, and that does not fit insurers, whose operating cash flow swings with premiums, claims and investment float rather than with what is left over for owners. So ALL gets no margin of safety; judge it on the other checks on this page, such as its filters, shareholder yield and ranking against its peers. The method is in the Intrinsic Value Calculator.
How many of this site's 8 value filters does Allstate pass?
ALL passes 6 of 8. It passes Market Cap > $25B ($64.9B), Trailing P/E < 25 (4.88), PEG Ratio < 1.5 (-0.69), Price/Book < 8 (1.93), Price/Sales < 7 (0.93) and EPS Growth YoY > -5% (+60.4%). vs 50-day MA (±12%) and vs 200-day MA (±12%) were not evaluated, because the moving-average checks only run on stocks that clear the fundamentals first. The 8-filter list shows every stock that passes all of them.
How much cash does Allstate return to shareholders?
ALL's net shareholder yield is +3.3%: the cash it returns through dividends and buybacks, minus stock-based compensation, as a share of its market value. Latest fiscal year (2025): dividends 1.6% + buybacks 1.9% − stock comp 0.2%, as a share of today's market cap. Over 14 years its split-adjusted share count fell 49%. Its trailing dividend yield is 1.83%, paid out of 9% of its free cash flow; the dividend-sustainability check raises 0 of 6 flags. See Shareholder Yield Leaders and the Sustainable Dividend Screener.
Is Allstate's P/E ratio high or low compared with its own history?
ALL trades at 4.9× trailing earnings. At the end of each of its last 3 fiscal years its P/E was between 5.4× and 21.8× (average 12.8×), so today's multiple is at or below the lowest of those years. Each year's P/E pairs net income per diluted share from the 10-K with the closing price at that fiscal year-end.
When does Allstate report earnings next?
Allstate's next earnings report is expected on November 4, 2026 after the market closes, with analysts expecting earnings of $6.97 per share. Dates come from the Finnhub earnings calendar and can move. In its last 4 quarters it beat the estimate 4 times, by an average of +45.1%.
Where do these numbers come from?
- Financial statements: Allstate's 10-K annual report for the year ended Dec 31, 2025, filed Feb 20, 2026 (filing index). Every earlier year in the 10-year financials comes from the company's older 10-K filings, all listed on SEC EDGAR.
- Prices and market data: quotes, P/E and analyst ratings from Finnhub; daily price history and the 52-week range from Twelve Data, both refreshed weekly. Short interest comes from FINRA, reported twice a month.
- How to check a figure: click any number in the card above to see its exact source, and read the Editorial Standards for every rule behind the checks.
About this Allstate Corp analysis
This page shows every value-investing check the site runs on Allstate Corp (ALL) in one place: the 8 mechanical filters, the Buffett and Lynch checklists, a margin of safety from a disclosed DCF, earnings quality, shareholder yield and how it ranks against its sector peers. The numbers come from SEC filings and public market data, refreshed weekly, and the same rules apply to every stock on the stock list. See Editorial Standards for the sources and the rules, or run your own filters in the stock screener.