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ALALL

The Allstate Corporation

$ALL·$64B·Insurance - Property & Casualty·Financial Services
$249.90+3.3%YTD+20.7%1Y+29.5%
Mentions · last 7 days
2026-07-11: 44 posts2026-07-12: 84 posts2026-07-13: 113 posts2026-07-14: 48 posts2026-07-15: 59 posts2026-07-16: 48 posts2026-07-17: 29 posts447
Price updated 9h ago·X counts updated 9h ago
ALALL
$ALLThe Allstate Corporation
$249.90+3.32%447 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $ALL, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-18

The move is getting stronger, with heavier trading behind it.

Allstate is a 5x-earnings P&C insurer with a 17.9% FCF yield and a new CFO from CoStar — near 52-week highs with the print a couple weeks out.

The Allstate Corporation is a US P&C insurer running Allstate Protection (auto, home), Protection Services, Health and Benefits, and Run-off — a scaled national insurer benefiting from continued rate-firming across auto and homeowners lines. The stock is up 21% YTD and 29% YoY, sitting in the top 89% of its 52-week range with the August 5 print ahead.

  • The valuation is genuinely striking: at 5.4x TTM earnings, 4.3x EV/EBITDA and a 17.9% trailing free-cash-flow yield with a 31% return on invested capital and 43% return on equity, ALL prices as if the market expects severe cyclical deterioration — but there's no evidence of that in the run-rate.
  • Revenue growth is stable and low-single-digit: Q1 revenue grew 4.2% YoY to $16.94B after +1.5% in Q4 and +3.4% in Q3 — modest growth is fine when the underwriting margin is expanding, and the operating margin at 23% shows the pricing environment continues to work.
  • The new CFO is a real institutional signal: Christian Lown joins as EVP and CFO effective August 3, coming from CoStar Group (July 2024-July 2026) and Freddie Mac before that — a serious institutional CFO into a value-recovery story adds financial-communications quality.
  • The monthly catastrophe disclosure remains routine: the June 2026 estimated cat loss report was released July 16 with no specific dollar-loss figures escalating — routine mid-hurricane-season disclosure with no red flags into the print.

The August 5 Q2 print is the acceleration confirmation: net premiums written extending above +4% with continued underwriting-margin expansion and any updated cat-loss guide is what pushes the tape toward $275+; a large Q2 catastrophe-loss disclosure or a soft auto-frequency comment sends the stock back through $225 support.

What to watch: The August 5 Q2 earnings — net premiums written vs Q1's +4.2%, underwriting-margin trajectory, and any updated cat-loss guide. Above-4% growth with margin expansion pushes the tape to $275+; a large cat-loss disclosure sends the stock through $225.

On the calendar: 2026-08-05 — Q2 2026 earnings

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What it does

Plain-English summary of the business — what they sell and how they make money.

The Allstate Corporation, along with its affiliated entities, provides a comprehensive suite of property, casualty, and other insurance offerings throughout the United States and Canada. The company's operations are structured across four primary business segments: Allstate Protection; Protection Services; Allstate Health and Benefits; and Run-off Property-Liability. The Allstate Protection segment delivers a wide array of personal and commercial insurance solutions. This includes standard private passenger auto and homeowners policies, as well as specialized vehicle coverage for motorcycles, trailers, motor homes, and off-road vehicles. Additional personal lines encompass renter, condominium, landlord, boat, umbrella, manufactured home, and stand-alone scheduled personal property policies. Commercial lines products are also available, marketed under the Allstate and Encompass brand names. The Protection Services division focuses on consumer protection and related financial services. Its offerings include product protection plans and technical assistance for mobile phones, consumer electronics, furniture, and appliances. It also provides finance and insurance products such as vehicle service contracts, guaranteed asset protection (GAP) waivers, road hazard tire and wheel protection, and paint and fabric protection. Furthermore, this segment delivers roadside assistance, device and mobile data collection, advanced data and analytical insights leveraging automotive telematics, and identity protection services. Key brands within this segment include Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside Services, Arity, and Allstate Identity Protection. The Allstate Health and Benefits segment specializes in various health-related insurance products, including life, accident, critical illness, short-term disability, and other health coverage options. Finally, the Run-off Property-Liability segment manages existing property and casualty insurance obligations. Allstate's products are distributed through a diverse network of channels, which include call centers, captive agents, financial specialists, independent agents, brokers, wholesale partners, and affinity groups, as well as directly via online platforms and mobile applications. The Allstate Corporation was founded in 1931 and is headquartered in Northbrook, Illinois.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Property & Casualty sits in its cycle right now — and what that implies for $ALL.

Insurance - Property & Casualty · Financial Services

No material change from last week — climate-driven cat events push combined ratios higher across P&C underwriters, keeping reinsurance costs sticky even as rate cycles moderate.

Top industry ETF

$KIESPDR S&P Insurance ETF
+6.8%YTD
+11.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
5.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
31.2%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
23.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
17.9%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.0Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
42.7%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
39.8%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.2Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 29, 2026$10.65$7.31+45.7%
Q4 2025Feb 4, 2026$14.31$9.83+45.6%
Q3 2025Nov 5, 2025$11.17$7.67+45.6%
Q2 2025Jul 30, 2025$5.94$3.25+82.8%
Next earningsWed, Aug 5·consensus EPS $5.23

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$16.9B+4.2%45.3%18.9%$9.36$3.5B
Q4 FY25$16.6B+1.5%53.0%29.6%$14.55$2.9B
Q3 FY25$17.1B+3.4%36.6%28.2%$14.13$3.2B
Q2 FY25$16.5B+5.9%24.4%16.3%$7.86$1.9B

Forward consensus

3-year forecast · up to 5 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$61.2B$60.5B – $61.7B$30.61$25.81 – $34.744
FY27$63.9B$63.6B – $64.3B$26.33$23.84 – $31.694
FY28$66.1B$65.4B – $66.6B$25.94$23.67 – $28.115

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.89%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+10.4%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+18.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 255.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.175-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 1Andrea RedmondDirector2.2K sh$451KSellMay 22Mark Q PrindivilleFormer Section 16 officer1.6K sh$335KSellMay 1Mario RizzoCOO18.6K sh$4.1M
+ 30 other (16 awards · 10 exempts · 2 inkinds · 2 gifts) in window

See when $ALL insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJul 168-K — Item 7.01: Press release / Reg FD
AI summary

The Allstate Corporation filed a Reg FD disclosure on July 16, 2026, releasing its June 2026 estimated catastrophe loss report (posted on allstateinvestors.com as Exhibit 99). No specific dollar loss figures appear in the body excerpt. Routine monthly catastrophe disclosure for Allstate's insurance investor base tracking seasonal loss run trends.

8-KOfficer or director changeJul 148-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
AI summary

The Allstate Corporation announced that Christian M. Lown (age 56) will join as Executive Vice President and CFO effective August 3, 2026, bringing experience as CFO of CoStar Group (July 2024-July 2026) and EVP/CFO of Freddie Mac (June 2020-June 2024). His compensation package includes 75,000 annual base salary, a 200% of salary target cash bonus, and 375% of salary equity incentive opportunity. The same filing includes Allstate's July 2026 catastrophe loss update. A high-profile CFO hire from real estate data and mortgage finance signaling financial leadership continuity.

8-KPress release / Reg FDJun 188-K — Item 7.01: Press release / Reg FD
AI summary

The Allstate Corporation filed a Reg FD disclosure on June 18, 2026, releasing its May 2026 estimated catastrophe losses and policies-in-force report (posted on allstateinvestors.com as Exhibit 99). No specific dollar loss figures appear in the body excerpt. Routine monthly catastrophe and policy count disclosure for Allstate's investor base.

8-KShareholder voteMay 278-K — Item 5.07: Shareholder vote
AI summary

The Allstate Corporation held its annual stockholders' meeting on May 22, 2026, electing 11 directors for one-year terms expiring at the 2027 annual meeting; all nominees passed with majority votes, with 27.2M broker non-votes. Notable against votes include 17.1M against Andrea Redmond, 10.8M against Siddharth N. Mehta, and 9.3M against Kermit R. Crawford out of ~200M votes cast. Routine annual governance vote with no contested seats but notable minority opposition to certain incumbents.

8-KPress release / Reg FDMay 218-K — Item 7.01: Press release / Reg FD
AI summary

The Allstate Corporation filed a Reg FD disclosure on May 21, 2026, releasing its April 2026 estimated catastrophe losses and policies-in-force report (posted on allstateinvestors.com as Exhibit 99). No specific dollar loss figures appear in the body excerpt. Routine monthly catastrophe and policy count disclosure for Allstate's investor base.

8-KPress release / Reg FDApr 168-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDMar 198-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDFeb 198-K — Item 7.01: Press release / Reg FD
+ 13 other (3 13Gs · 2 13Fs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Here is What to Know Beyond Why The Allstate Corporation (ALL) is a Trending Stockzacks.com·21h agoJune 2026 Monthly Releaseprnewswire.com·2d agoAllstate (ALL) Stock Slides as Market Rises: Facts to Know Before You Tradezacks.com·3d agoHere Are Wednesday’s Top Wall Street Analyst Research Calls: Allstate, AMC Entertainment, Boeing, CAVA Group, Check Point Software, Digital Realty Trust, FedEx, IBM, UPS, and More247wallst.com·3d agoAllstate names Christian Lown Chief Financial Officerprnewswire.com·4d ago

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