ALL
The Allstate Corporation209.51
-2.43-1.15%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Reaffirms growth, share gains in Q&A
Q&A largely reaffirmed transformative growth driving auto policy gains in 38 states—70% of premiums—with 20 states over 4% signaling share wins versus Progressive, GEICO, and State Farm, while mutuals pressure homeowners. Management dismissed weak retention labels, pinning dips on SAVE cuts and mix shifts yet eyeing ASC migrations for uplift amid higher industry shopping. Claims excellence proprietary, middle innings. Buybacks top capital amid 'cheap' stock and long capital; organic first. Confident on margins; investors watch NY/NJ approvals, tort reform.
Key Stats
Market Cap
55.21BP/E (TTM)
6.79Basic EPS (TTM)
30.84Dividend Yield
0.02%Recent Filings
8-K
Feb cat losses $140M
Allstate reported February 2026 catastrophe losses of $140 million pre-tax, $111 million after-tax, pushing January-February totals to $315 million pre-tax, $249 million after-tax. Policies in force hit 38.4 million, up 0.5% from January and 2.5% year-over-year, led by 3.0% auto growth. Losses sting, yet policy gains hold firm.
10-K
FY2025 results
Allstate Protection drove FY2025 underwriting income to $8.69B on $59.5B premiums written, up from $55.9B in 2024, with auto PIF rising 2.3% to 25.5M and homeowners 2.5% to 7.7M amid 3.5% and 7.6% rate hikes. Q4 momentum accelerated as combined ratio improved to 84.9% from 94.1%, fueled by $1.96B prior-year reserve releases (3.4pts loss ratio benefit) and steady cat losses at $5B despite California wildfires. Margins expanded with expense ratio dipping 0.3pts on premium growth outpacing costs, while Protection Services added stable $218M adjusted net income. Q4 buybacks trimmed shares; $83B portfolio yielded $3.45B NII. Run-off asbestos/environmental reserves ticked up on new claims data.
8-K
January cat losses: $175M
Allstate reported $175 million in estimated January 2026 catastrophe losses ($138 million after-tax) from Winter Storm Fern. Total Protection policies in force held steady at 38.262 million, up 2.2% year-over-year despite a slight monthly dip. Losses hit hard. Forward-looking statements note risks from estimates and uncertainties.
8-K
Allstate smashes 2025 records
Allstate crushed Q4 2025 with $17.3B revenues, up 5.1%, and full-year net income of $10.2B versus $4.6B last year. Property-liability combined ratio plunged to 72.9 from 86.9, fueled by premium hikes and halved catastrophe losses; policies in force hit 210.9M, up 3%. Dividend jumps to $1.08; $4B buyback launches soon. Underwriting margins soared.
8-K
Allstate's cat losses rise
Allstate reported December 2025 catastrophe losses of $80 million pre-tax ($64 million after-tax), lifting Q4 totals to $209 million ($165 million after-tax). Policies in force hit 38.3 million by year-end, up 0.2% monthly and 2.0% yearly, driven by 2.3% auto and 2.5% homeowners growth despite commercial's 17.4% drop. Cat losses pressure earnings. Forward-looking statements carry risks.
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