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Allstate
ALL · NYSEInsurance
The economic chain
Follow the chain left → right, from inputs to end demand. Tap any company to trace its links.
Raw inputs
Equipment
Foundry
Chip design
Software
AI demand
Premiums &capitalthe money flowing inBrokers &distributionwho places the coverInsurerswho carries the riskReinsuranceinsuring the insurersClaims,payouts &…where the money goesPolicyholderswho is protected···HouseholdsCAPCapital & investorsREGState regulatorsAGTAllstate agentsESUEsuranceNGHNational GeneralALLAllstateAPPAllstate Protection PlansRNRRenaissanceReREGlobal reinsurers & ILSCLMClaims & loss adjustingINVInvestment portfolio (float)AUTOAuto policyholdersHOMEHome & renters policyholders
Company details
Market cap
$53B
P/E ratio
~6×
Div yield
~2.1%
Combined ratio
~86%
Net income (FY25)
$10.2B
Rev. growth
+5.6%
Revenue (FY25)
$67.7B
P&C premiums
$45B
In plain English
Allstate is one of America's biggest personal-lines insurers — the company behind 'You're in good hands' that protects households' cars and homes. Millions of drivers and homeowners pay premiums through Allstate agents and direct brands (Esurance, National General, Encompass); Allstate pools and prices that risk, buys catastrophe reinsurance to cap its hurricane and wildfire exposure, invests the float, and pays claims when accidents and storms hit. It has slimmed to its core by selling off its health & benefits businesses in 2025.
In simple terms
Premiums in, claims out
Households pay Allstate premiums through agents and direct brands; Allstate prices and pools that risk, buys reinsurance to cap its worst catastrophe years, invests the float, and pays claims through a vast network of adjusters and repair shops when accidents and storms hit.
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Risk read
Moderate
SteadierMore speculative
Why this rating?