Bull Rankings model

The Allstate Corporation (ALL) stock analysis

Insurance - Property & Casualty. Scored on the same transparent model behind the daily rankings.

★
ALL
The Allstate Corporation · Insurance - Property & Casualty
74.2Financial strength
$236.40Oct 13 close$59.8B
1Y Target$270.55Analyst consensus · 22 analysts
5Y Target$341.56Compound horizon
10Y Target$438.04Long-dated conviction
Rev+5.6%
C+
Revenue +5.6% — steady but below market-beating range
P/E4.7x
A
P/E 4.7 — cheapest decile in Financial Services (≈10th pctile)
ROE46.1%
A
ROE 46.1% — world-class capital efficiency
P/B1.86
B
P/B 1.86 — fair; a premium the market pays for returns
Yield1.9%
C+
Yield 1.9% — small income component

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 74.2 / 100
Profitability100.0
Value (P/B)52.6
Income53.5

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
15% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Property & Casualty · market cap $59.8b. 15% off the 52-week high of $277.22. 22 sell-side analysts rate this a Hold with a mean 1-yr target of $270.55 (implying +14% upside).
Moat
Net margin 19% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 46% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. $59.8b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $270.55 (22-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $341.56 at ~8% CAGR — dividend + buyback compounding. 10 yr $438.04 if the moat survives secular pressure.

Not enough history yet — the model records ALL's score after each daily run, and the chart appears once a few days have accumulated.

ALL at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY100VALUE53COVERED INCOME5474.2/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$236LOW $188HIGH $277Trading at the 54th percentile of its 52-week range ($188–$277).
ONE-YEAR MOVE VS ITS BETAFLATThis stock+12%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+1.6%
90-day change+5.9%
Forward EPS estimate$28.05

Over the last 90 days, what analysts expect ALL to earn is materially higher (+5.9%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
8
Position size
$1,891
3.8% of portfolio
Stop price
$177.30
25% below $236.40
$ at risk if stopped
$472.80
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

The Allstate Corporation (ALL): score, valuation & FAQ

The Allstate Corporation (ALL) is an Insurance - Property & Casualty company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A) and ROE (A).

Is ALL a good stock to buy?

Bull Rankings grades ALL on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A) and ROE (A). A score is a quantitative screen of The Allstate Corporation's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade ALL?

As a bank, insurer or REIT, ALL isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A) and ROE (A).

Is ALL overvalued or undervalued?

We don't publish a discounted-cash-flow value for ALL, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. ALL is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in ALL?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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