Allstate (ALL) reported $17 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 3.8%. EPS of $11.17 for the same period compares to $3.91 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $17.35 billion, representing a surprise of -2.02%. The company delivered an EPS surprise of +36.22%, with the consensus EPS estimate being $8.20.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Allstate performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Property-Liability - Combined Ratio: 80.1% versus the seven-analyst average estimate of 90.3%.
- Property-Liability - Expense Ratio: 21.8% versus 21.7% estimated by six analysts on average.
- Property-Liability - Loss Ratio: 58.3% versus 68.4% estimated by six analysts on average.
- Allstate Protection - Homeowners Insurance - Combined Ratio: 71.5% versus 74.2% estimated by five analysts on average.
- Property-Liability- Net Premiums Earned: $14.53 billion compared to the $14.76 billion average estimate based on seven analysts. The reported number represents a change of +6.1% year over year.
- Property-Liability- Net Investment Income: $873 million versus $740.58 million estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +23.3% change.
- Corporate and Other- Net Investment Income: $49 million versus the six-analyst average estimate of $36.26 million. The reported number represents a year-over-year change of +96%.
- Property-Liability- Other Revenue: $518 million compared to the $521.71 million average estimate based on six analysts. The reported number represents a change of -2.5% year over year.
- Underwriting Income- Property-Liability: $2.89 billion compared to the $1.53 billion average estimate based on six analysts.
- Protection Services- Net Investment Income: $25 million compared to the $25.26 million average estimate based on five analysts. The reported number represents a change of +4.2% year over year.
- Protection Services- Net Premiums Earned: $720 million versus the five-analyst average estimate of $693.4 million. The reported number represents a year-over-year change of +6.2%.
- Revenues- Protection Services: $912 million compared to the $898.63 million average estimate based on five analysts. The reported number represents a change of +9.6% year over year.
View all Key Company Metrics for Allstate here>>>
Shares of Allstate have returned -7.8% over the past month versus the Zacks S&P 500 composite's +1% 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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The Allstate Corporation (ALL): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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