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Allstate ALL Auto insurance - liability coverage — 2 years

Other product segments

Homeowners
26.3%+4.0%
Auto insurance - physical damage coverage
7.2%—

Similar metrics at other companies

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HMNAutomobile Liability — Year Two
35.6%+0.3pp
Kemper logo
KMPRCommercial Automobile Insurance—Liability — Year 2
46.6%-5.5pp
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HMNAutomobile Liability — Year One
37.1%-0.1pp
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KMPRSpecialty Personal Automobile Insurance—Liability — Year 2
77%-0.8pp
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HMNAutomobile Liability — Year Four
6.7%-0.1pp
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KMPRPreferred Personal Automobile Insurance—Liability — Year 2
62%+1.4pp

Other financials

Income statement

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Revenue$16.9B+3.0%
Net income$2.5B+313%
EPS (diluted)$9.25+338%

Balance sheet

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Cash & equivalents$697.0M-17.0%
Total debt$7.5B-7.4%
Total equity$31.6B+43.3%
Total assets$123.97B+7.7%

Cash flow

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Operating cash flow$3.6B+81.4%
CapEx$40.0M-56.5%
Free cash flow$3.5B+88.1%

Valuation

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Market cap$60.12B+15.3%
Enterprise value$66.91B+12.6%
P/E5×-8.0×
P/S0.9×+0.1×

Profitability

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Net margin17.8%+11.6pp
FCF margin16.9%+3.2pp

Returns & leverage

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Return on equity45.2%+25.4pp
Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Allstate in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

The official record: Allstate’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Allstate's auto insurance - liability coverage — 2 years?
Allstate (ALL) reported auto insurance - liability coverage — 2 years of 33.4% in Q4 2025.
How has Allstate's auto insurance - liability coverage — 2 years changed year-over-year?
Allstate's auto insurance - liability coverage — 2 years increased by 2.8% year-over-year, from 32.5% to 33.4%.
What does auto insurance - liability coverage — 2 years mean?
This metric represents the two-year development of loss reserves for the auto liability segment, measuring the change in estimated liabilities over a two-year horizon. It provides a longer-term view of reserve stability and the accuracy of actuarial projections compared to the one-year metric. It helps investors understand the persistence of reserve trends.