The Allstate Corporation (ALL)

FairStock Score: 95/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $255.95 on 2026-10-26, FairStock calculates Allstate at 5.13 times earnings and 2.05 times book, with a 95/100 score and a 0.09 PEG. That looks statistically cheap, but I start with the business. Allstate sells property-casualty insurance, a commodity-like product where scale, distribution and underwriting discipline are the real moat. The turnaround is visible in filed figures: FY2023 net income was a $188.0M loss, FY2024 was $4.7B, and FY2025 was $10.3B; revenue rose from $57.1B to $64.1B to $67.7B. In fiscal Q1 2026, the quarter ended 2026-03-31, net income was $2.5B and diluted EPS $9.25; in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $3.3B and diluted EPS $12.51. FairStock's 46.11% ROE is exceptional, and D/E of 0.22 is modest, but ROCE of 8.68% and a Piotroski F-score of 6/9 say this is not a frictionless compounder. Low beta of 0.15 and a 1.73% dividend yield add ballast. The key question is whether trailing EPS near $49.94 is normalized or peak-cycle underwriting profit; P/E 5.13 can be a value signal or a warning. CET1, NIM and combined ratio are not in the data, and for an insurer the missing combined ratio is important. I would call it cheap on current numbers, but only if underwriting discipline holds through the cycle.

In plain English: Allstate sells auto, home and other insurance in the U.S. and Canada. After a loss in 2023, profits have rebounded strongly, and the shares look cheap compared with recent earnings, though insurance profits can swing with claims and disasters.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer