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Here's What Key Metrics Tell Us About Allstate (ALL) Q4 Earnings
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Allstate (ALL - Free Report) reported $17.27 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 3.4%. EPS of $14.31 for the same period compares to $7.67 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $17.52 billion, representing a surprise of -1.43%. The company delivered an EPS surprise of +45.77%, with the consensus EPS estimate being $9.82.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Allstate performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Allstate Protection - Auto Insurance - Loss Ratio: 58.9% compared to the 67.6% average estimate based on five analysts.
Allstate Protection - Auto Insurance - Expense Ratio: 21.9% compared to the 22.4% average estimate based on five analysts.
Allstate Protection - Homeowners Insurance - Loss Ratio: 33.2% compared to the 42.2% average estimate based on five analysts.
Allstate Protection - Auto Insurance - Combined Ratio: 80.8% versus the five-analyst average estimate of 90.1%.
Property-Liability- Net Premiums Earned: $14.78 billion compared to the $14.92 billion average estimate based on seven analysts. The reported number represents a change of +6.1% year over year.
Underwriting Income- Property-Liability: $4.01 billion versus $2.42 billion estimated by seven analysts on average.
Property-Liability- Net Investment Income: $814 million compared to the $786.45 million average estimate based on seven analysts. The reported number represents a change of +7.5% year over year.
Property-Liability- Other Revenue: $541 million versus the six-analyst average estimate of $513.77 million. The reported number represents a year-over-year change of +9.7%.
Corporate and Other- Net Investment Income: $52 million versus the six-analyst average estimate of $37.85 million. The reported number represents a year-over-year change of +116.7%.
Allstate Protection- Underwriting income (loss)- Homeowners: $1.81 billion compared to the $1.47 billion average estimate based on five analysts. The reported number represents a change of +69.4% year over year.
Revenues- Property and casualty insurance premiums: $15.51 billion versus $15.64 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +6.3% change.
Allstate Protection- Underwriting income (loss)- Auto: $1.85 billion versus $969.33 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +207% change.
Shares of Allstate have returned -3% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Here's What Key Metrics Tell Us About Allstate (ALL) Q4 Earnings
Allstate (ALL - Free Report) reported $17.27 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 3.4%. EPS of $14.31 for the same period compares to $7.67 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $17.52 billion, representing a surprise of -1.43%. The company delivered an EPS surprise of +45.77%, with the consensus EPS estimate being $9.82.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Allstate performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Allstate here>>>
Shares of Allstate have returned -3% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.