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Allstate ALL Auto insurance - liability coverage — After 5 years

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Other financials

Income statement

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Revenue$18.6B+11.8%
Net income$3.3B+55.1%
EPS (diluted)$12.51+61.2%

Balance sheet

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Cash & equivalents$840.0M-15.6%
Total debt$7.5B-7.4%
Total equity$33.7B+40.3%
Total assets$124.76B+7.6%

Cash flow

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Operating cash flow$2.6B+40.6%
CapEx$43.0M
Free cash flow$2.6B+38.3%

Valuation

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Market cap$67.51B+23.9%
Enterprise value$74.17B+20.4%
P/E5.1×-4.3×
P/S+0.1×

Profitability

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Net margin18.9%+10.2pp
FCF margin17.5%+4.6pp

Returns & leverage

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Return on equity46%+18.8pp
Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Allstate in its filing.

Tagged under the XBRL concept all:ShortDurationInsuranceContractsHistoricalClaimsDurationAfterFiveYears.

The source filing: Allstate’s 10-K, filed February 20, 2026.

Filed
Feb 19, 2026, 7:00 PM EST
Fiscal year
FY2025
Accession
0000899051-26-000031
1 year2 years3 years4 years5 yearsAfter 5 years
Auto insurance – liability coverage33.8%33.4%15.1%7.8%4.1%5.8%

Item 8. Financial Statements and Supplementary Data

FAQ

What is Allstate's auto insurance - liability coverage — after 5 years?
Allstate (ALL) reported auto insurance - liability coverage — after 5 years of 5.8% in Q4 2025.
What does auto insurance - liability coverage — after 5 years mean?
This metric aggregates the estimated auto insurance claims expected to be settled more than five years after the reporting period. It captures the 'long-tail' risk inherent in liability insurance, where claims may remain open for extended periods due to legal proceedings or ongoing medical treatment. It is a key measure of the company's long-term capital adequacy and reserve conservatism.

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