Allstate ALL
Allstate is a US property and casualty (P&C) insurer offering auto, home, and life insurance through a broad network of agents and direct channels. Allstate combines outstanding financial health (ROE 46.11%) with a very attractive valuation (P/E 4.56, P/B adjusted 0.40), although the 61.2% earnings growth is likely unsustainable and the high interest rate environment, while positive for its investment portfolio, adds uncertainty about the cycle's duration.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Allstate is a US property and casualty (P&C) insurer offering auto, home, and life insurance through a broad network of agents and direct channels. Allstate combines outstanding financial health (ROE 46.11%) with a very attractive valuation (P/E 4.56, P/B adjusted 0.40), although the 61.2% earnings growth is likely unsustainable and the high interest rate environment, while positive for its investment portfolio, adds uncertainty about the cycle's duration.
Score by category
| Category | Score |
|---|---|
| Financial health | 9.3 |
| Quality / Moat | 7.4 |
| Valuation | 9.2 |
| Growth | 7.7 |
| Dividend | 4.4 |
| Momentum | 7.3 |
| Risk & Context | 9.2 |
OVERALL SCORE: 8.1/10
Context and risks
Regulatory and governance risk in the US is moderate and already reflected in the base country penalty. There are no specific litigations or investigations of Allstate that justify an additional adjustment.
News considered in the analysis
- Allstate (ALL) Stock Still Looks Undervalued Despite Fresh Catastrophe Losses — Las pérdidas por catástrofes son un riesgo recurrente en P&C, pero el mercado ya lo descuenta parcialmente en el múltiplo.
- Allstate Corp. (ALL) Benefits From Strong Cash Flow, Underwriting Discipline and Capital Allocation — Refuerza la tesis de calidad operativa y asignación de capital, ya reflejada en el margen operativo del 22.83%.
- Allstate Trades at 5x Earnings. Deep Value, or a Warning That Profits Have Peaked? — La duda sobre la sostenibilidad del beneficio (crecimiento del 61.2%) es un riesgo real, pero no está confirmado.
- High Interest Rates Are Good News for These 4 Insurance Dividend Stocks — El entorno de tipos altos amplía el margen de intermediación y el retorno de la cartera de inversiones, un viento a favor material para aseguradoras.
- ‘Consumer Inertia’ Is in Meta Muse’s Crosshairs. These Stocks Are Getting Hammered. — Ruido de mercado sin información específica sobre los fundamentales de Allstate.
Verdict: Hold or buy on dips, monitoring catastrophe losses and earnings normalization.
Main risk: The sustainability of current earnings: 61.2% growth and a 22.83% operating margin could reverse if catastrophe losses increase or underwriting discipline weakens.
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