Allstate Corporation (ALL)

Several events have impacted The Allstate Corp. (ALL) stock price in the past six months. The CEO sold company stock through a pre-arranged trading plan. Allstate announced estimated catastrophe losses for November 2025 and earlier in the year, January 2025. Analyst ratings for Allstate were changed by TD Cowen, Wells Fargo, Keefe, Bruyette & Woods, William Blair, Morgan Stanley, and Mizuho. Allstate announced quarterly dividends payable in January 2026. Allstate delivered impressive Q3 results, leading to a surge in its shares. Standard Insurance Company entered into an agreement to acquire American Heritage Life Insurance Company and American Heritage Service Company from Allstate. Allstate is scheduled to release its Q4 2025 financial results on February 4, 2026.

Demand for Allstate's products and services exhibits seasonality. Auto insurance demand peaks in the spring and summer, while collision claims tend to be higher in the first quarter. Homeowners insurance sign-ups and renewals increase during spring and winter. Life insurance demand peaks at the end of the year. Commercial policy renewals for large companies usually take place from October to December. Severe weather conditions generally lead to an increase in the frequency and severity of both auto and property claims.

The Allstate Corporation operates in the financial services sector, primarily in the insurance industry. It offers a range of insurance products, including auto, home, renters, and life insurance, as well as commercial insurance, retirement and investment products, and banking services. Allstate distributes its products through multiple channels, including exclusive agents, independent agents, and online platforms. The company's brands include Allstate, National General, and Answer Financial, and it is headquartered in Northbrook, Illinois.

The Allstate Corporation has a broad geographic footprint, with operations in the United States, Canada, Europe, Asia, and Australia, with its primary focus remaining the U.S. market.

Allstate has maintained a reputation as a leader in the insurance industry, known for its commitment to customer satisfaction and innovation. The company's efforts in community service were recognized, and it published its Holiday Driver Report. The company's customer satisfaction index was 85% in April 2025. However, the insurance industry faces challenges, including inflation in auto repair costs and severe weather events, leading to rate increases. There is also an ongoing risk of reputational damage if customers perceive that the company is not responding appropriately to climate change risks.

The Allstate Corporation's ownership is predominantly institutional, with institutional investors holding 81% of the company. Major institutional owners include The Vanguard Group, Inc., BlackRock Institutional Trust Company, T. Rowe Price Associates, and State Street Investment Management (US). Individual insiders own less than 1% of the company, with Thomas J. Wilson being the largest individual shareholder.