ALLSTATE CORP (ALL)
US0200021014 - Common Stock
Overall ALL gets a fundamental rating of 5 out of 10. We evaluated ALL against 141 industry peers in the Insurance industry. ALL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. A decent growth rate in combination with a cheap valuation! Better keep an eye on ALL. Finally ALL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ALL had positive earnings in the past year.
In the past year ALL had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: ALL reported negative net income in multiple years.
Each year in the past 5 years ALL had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.61%, ALL is in the better half of the industry, outperforming 70.71% of the companies in the same industry.
The Return On Equity of ALL (19.69%) is better than 84.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.61% | ||
| ROE | 19.69% | ||
| ROIC | N/A |
ROA(3y)-0.09%
ROA(5y)1.6%
ROE(3y)-1.33%
ROE(5y)6.42%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ALL has a Profit Margin of 6.58%. This is comparable to the rest of the industry: ALL outperforms 52.14% of its industry peers.
ALL has a Operating Margin (9.01%) which is comparable to the rest of the industry.
ALL's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.01% | ||
| PM (TTM) | 6.58% | ||
| GM | N/A |
OM growth 3Y-73.97%
OM growth 5Y-45.98%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ALL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ALL has less shares outstanding
Compared to 5 years ago, ALL has less shares outstanding
The debt/assets ratio for ALL has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of ALL is 0.98, which is an excellent value as it means it would take ALL, only 0.98 years of fcf income to pay off all of its debts.
ALL has a better Debt to FCF ratio (0.98) than 67.86% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that ALL is not too dependend on debt financing.
ALL has a Debt to Equity ratio (0.39) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 0.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ALL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 362.68%, which is quite impressive.
ALL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.31% yearly.
Looking at the last year, ALL shows a quite strong growth in Revenue. The Revenue has grown by 11.67% in the last year.
The Revenue has been growing slightly by 7.47% on average over the past years.
EPS 1Y (TTM)362.68%
EPS 3Y-60.54%
EPS 5Y-35.31%
EPS Q2Q%382.72%
Revenue 1Y (TTM)11.67%
Revenue growth 3Y10.86%
Revenue growth 5Y7.47%
Sales Q2Q%10.55%
3.2 Future
The Earnings Per Share is expected to grow by 94.56% on average over the next years. This is a very strong growth
ALL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.93% yearly.
EPS Next Y1681.21%
EPS Next 2Y360.23%
EPS Next 3Y185.44%
EPS Next 5Y94.56%
Revenue Next Year9.61%
Revenue Next 2Y9.69%
Revenue Next 3Y9.43%
Revenue Next 5Y5.93%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.37 indicates a correct valuation of ALL.
ALL's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 29.29, ALL is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.57, the valuation of ALL can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALL indicates a somewhat cheap valuation: ALL is cheaper than 60.71% of the companies listed in the same industry.
ALL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.37 | ||
| Fwd PE | 10.57 |
4.2 Price Multiples
ALL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ALL is cheaper than 62.14% of the companies in the same industry.
63.57% of the companies in the same industry are more expensive than ALL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.57 | ||
| EV/EBITDA | 9.89 |
4.3 Compensation for Growth
ALL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ALL's earnings are expected to grow with 185.44% in the coming years.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y360.23%
EPS Next 3Y185.44%
5. Dividend
5.1 Amount
ALL has a Yearly Dividend Yield of 1.81%.
ALL's Dividend Yield is comparable with the industry average which is at 4.06.
Compared to an average S&P500 Dividend Yield of 2.19, ALL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
5.2 History
The dividend of ALL is nicely growing with an annual growth rate of 12.54%!
ALL has been paying a dividend for at least 10 years, so it has a reliable track record.
ALL has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.54%
Div Incr Years13
Div Non Decr Years14
5.3 Sustainability
26.17% of the earnings are spent on dividend by ALL. This is a low number and sustainable payout ratio.
ALL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP26.17%
EPS Next 2Y360.23%
EPS Next 3Y185.44%
ALLSTATE CORP
NYSE:ALL (11/22/2024, 8:22:48 PM)
After market: 203.8 0 (0%)203.8
+0.32 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap53.97B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.37 | ||
| Fwd PE | 10.57 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.01
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.61% | ||
| ROE | 19.69% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 9.01% | ||
| PM (TTM) | 6.58% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.55
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)362.68%
EPS 3Y-60.54%
EPS 5Y
EPS Q2Q%
EPS Next Y1681.21%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)11.67%
Revenue growth 3Y10.86%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y