Earnings summaries and quarterly performance for ALLSTATE.
Executive leadership at ALLSTATE.
Thomas J. Wilson
Chair, President and Chief Executive Officer
Christine DeBiase
Executive Vice President, Chief Legal Officer and General Counsel
Elizabeth A. Brady
Executive Vice President, Chief Marketing, Customer and Communications Officer
Eric K. Ferren
Senior Vice President, Controller and Chief Accounting Officer
Jesse E. Merten
President, Property-Liability
John E. Dugenske
Interim Chief Financial Officer
Mario Rizzo
Chief Operating Officer
Mark Q. Prindiville
Executive Vice President and Chief Risk Officer
Suren Gupta
Executive Vice President, President, Protection Products & Enterprise Services
Zulfikar Jeevanjee
Executive Vice President, Chief Information Officer and Chief Information Security Officer
Board of directors at ALLSTATE.
Andrea Redmond
Director
Donald E. Brown
Director
Gregg M. Sherrill
Lead Director
Jacques P. Perold
Director
Judith A. Sprieser
Director
Kermit R. Crawford
Director
Margaret M. Keane
Director
Maria R. Morris
Director
Monica J. Turner
Director
Perry M. Traquina
Director
Richard T. Hume
Director
Siddharth N. (Bobby) Mehta
Director
Research analysts who have asked questions during ALLSTATE earnings calls.
C. Gregory Peters
Raymond James
7 questions for ALL
Robert Cox
The Goldman Sachs Group, Inc.
6 questions for ALL
Elyse Greenspan
Wells Fargo
5 questions for ALL
David Motemaden
Evercore ISI
4 questions for ALL
Joshua Shanker
Bank of America Merrill Lynch
4 questions for ALL
Michael Zaremski
BMO Capital Markets
4 questions for ALL
Jamminder Bhullar
JPMorgan Chase & Co.
3 questions for ALL
Jian Huang
Morgan Stanley
3 questions for ALL
Yaron Kinar
Oppenheimer & Co. Inc.
3 questions for ALL
Alex Scott
Barclays PLC
2 questions for ALL
Andrew Kligerman
TD Cowen
2 questions for ALL
Bob Cheong Kwong
Morgan Stanley
2 questions for ALL
Bob Huang
Morgan Stanley
2 questions for ALL
David Mokman
Evercore ISI
2 questions for ALL
Hristian Getsov
Wells Fargo
2 questions for ALL
Paul Newsom
Piper Sandler
2 questions for ALL
Vikram Gandhi
HSBC
2 questions for ALL
Bob Hong
Morgan Stanley
1 question for ALL
Charles Peters
Raymond James
1 question for ALL
Christian Gitzo
Wells Fargo & Company
1 question for ALL
Jack Kendall
Goldman Sachs
1 question for ALL
Jimmy Bhullar
JPMorgan Chase & Co.
1 question for ALL
Jing Li
Keefe, Bruyette & Woods (KBW)
1 question for ALL
Josh Shanker
Bank of America
1 question for ALL
Mike Zaremski
BMO Capital Markets
1 question for ALL
Recent press releases and 8-K filings for ALL.
- Allstate reported Q4 revenue of $17.3 billion and full-year revenue of $67.7 billion, with net income of $3.8 billion in Q4 and $10.2 billion for 2025.
- Affordability initiatives, including the SAVE program, reduced premiums by 17% for 7.8 million customers, and the ASC auto product cut rates by 9% on average in 32 states.
- Personal lines new business more than doubled from 5.5 million in 2019 to 11.6 million in 2025, and total personal lines policies in force rose to 38.1 million, demonstrating market share gains.
- Allstate returned $2.2 billion to shareholders through dividends, raised its quarterly dividend by 8% to $1.08 per share, and authorized a $4 billion share repurchase program.
- Allstate generated $3.788 billion of net income in Q4 2025, delivering GAAP EPS of $14.37 and adjusted EPS of $14.31, versus $2.062 billion and EPS of $7.07/$7.67 in Q4 2024.
- The Property-Liability combined ratio improved to 80.8% (underlying 87.6%), down from 93.5% (underlying 93.0%) in the prior-year quarter, driven by lower catastrophe losses and favorable reserve reestimates.
- Book value per common share increased to $108.45 at December 31, 2025, up from $72.35 a year earlier.
- Return on common shareholders’ equity rose to 42.3% in Q4 2025, compared with 25.8% in Q4 2024.
- Q4 2025 revenues of $17.345 B, net income of $3.803 B ($14.37/share), adjusted net income of $3.788 B ($14.31/share); FY 2025 revenues $67.685 B, net income $10.165 B ($38.06/share), adjusted net income $9.304 B ($34.83/share)
- Property-Liability combined ratio of 85.0 for auto and 84.4 for homeowners, with underwriting income of $5.724 B (auto) and $2.393 B (homeowners)
- Investment portfolio carrying value grew to $83.2 B, generating net investment income of $3.449 B and a total return of 5.8% in 2025
- Returned over $2.2 B to shareholders via dividends and repurchases, approved a $1.08/share quarterly dividend and authorized a $4 B buyback program
- Q4 revenue of $17.3 B and full-year revenue of $67.7 B; Q4 net income of $3.8 B (adjusted $14.31/share) and full-year net income of $10.2 B (adjusted $9.3 B, $34.83/share)
- Property-Liability premiums earned up 4.4% in auto and 15% in homeowners; auto combined ratio improved by 10 points, generating $5.7 B of auto underwriting income and $2.4 B from homeowners
- Protection Services policies in force grew 3.3% to 172 M, revenue rose 11.7% to $3.3 B, with adjusted net income of $218 M; domestic revenue +8.1%, international +39.7%
- Returned $2.2 B to shareholders in 2025, increased quarterly dividend by 8% to $1.08/share, and initiated a $4 B share repurchase program following completion of the existing $1.5 B program
- Q4 revenues rose to $17.3 B and FY 2025 revenues to $67.7 B; Q4 net income applicable to common shareholders was $3.8 B and FY net income was $10.2 B; adjusted EPS was $14.31 (Q4) and $34.83 (FY).
- Property-Liability segment drove 4.4% auto premium growth (2.3% policy growth) and 15% homeowners premium growth (2.5% policy growth); auto combined ratio improved by 10 pts and homeowners recorded ratio was 84.4 with an underlying combined ratio of 57.9.
- The SAVE affordability program cut premiums for 7.8 M customers by an average of 17%, and ASC auto rates were reduced in 32 states by 9% on average.
- Transformative Growth initiatives lowered expenses, expanded property-liability market share across 38 auto-growing states (over 70% of premiums) and 36 homeowners-growing states, with renters insurance growing fastest.
- Returned $2.2 B to shareholders in 2025; raised quarterly dividend by 8% to $1.08/share and authorized a $4 B share repurchase program.
- Allstate reduced premiums for 7.8 million auto and homeowners customers by an average of 17% through tailored coverage reviews to offset cost inflation in 2025.
- Policies in force reached 210.9 million in Q4 2025, up 3.0% year-over-year, driven by broad distribution and simple, connected products.
- Total revenues were $17.3 billion in Q4 and $67.7 billion for the full year, up 5.1% and 5.6%, respectively; Q4 net income applicable to common shareholders was $3.8 billion, full-year net income was $10.2 billion.
- The quarterly dividend will increase to $1.08 per share in Q2 2026 and a $4.0 billion share repurchase program will commence upon completion of the existing $1.5 billion program.
- Allstate reduced premiums for 7.8 million auto and homeowners customers by an average 17% in 2025 to offset cost inflation.
- Q4 2025 revenues rose 5.1% YoY to $17.3 billion; full-year revenues were $67.7 billion (+5.6%); Q4 net income applicable to common shareholders was $3.8 billion vs. $1.9 billion a year ago; FY net income was $10.2 billion.
- Policies in force reached 210.9 million in Q4, up 3.0% from the prior year.
- The quarterly dividend will increase to $1.08 per share, and a $4.0 billion share repurchase program will commence once the existing $1.5 billion program is completed.
- Allstate estimated $80 million of December 2025 catastrophe losses ($64 million after-tax) and $209 million for Q4 2025 ($165 million after-tax).
- Total Allstate Protection policies in force reached 38.275 million as of December 31, 2025, up 0.2% month-over-month and 2.0% year-over-year.
- Auto policies stood at 25.504 million, rising 0.2% from November and 2.3% year-over-year.
- Homeowners policies were 7.697 million, up 0.3% month-over-month and 2.5% year-over-year.
- Commercial lines policies totaled 176 thousand, up 0.6% from November but down 17.4% year-over-year.
- Allstate reports estimated catastrophe losses for December 2025 of $80 million ($64 million after-tax) and Q4 2025 total losses of $209 million ($165 million after-tax).
- Allstate Protection policies in force as of December 31, 2025: Auto 25.504 million; Homeowners 7.697 million; Other personal lines 4.898 million; Commercial lines 176 thousand; Total 38.275 million.
- The December 2025 monthly release is furnished (not filed) under Regulation FD as Exhibit 99 to the Form 8-K.
- Allstate incurred estimated catastrophe losses of $46 million (or $36 million after-tax) in November 2025; losses for October + November totaled $129 million (or $101 million after-tax).
- Total policies in force reached 38.2 million as of November 30, 2025, up 0.1% month-over-month and 1.5% year-over-year; auto and homeowners lines saw the strongest growth.
- Financial updates and material announcements are posted on Allstate’s investor website; forward-looking statements are subject to standard risk factors.
Quarterly earnings call transcripts for ALLSTATE.
Ask Fintool AI Agent
Get instant answers from SEC filings, earnings calls & more
