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Allstate ALL Auto insurance - liability coverage — Recoverables

Other product segments

Homeowners
$679M+29.8%
Run-off Property-Liability
$419M—
Commercial lines
$231M-22.7%
Other personal lines
$204M-21.5%
Auto insurance - physical damage coverage
$18M—
Other business lines
$14M+600%
Protection Services
$12M—

Similar metrics at other companies

Cincinnati Financial logo
CINFPersonal Auto — Reinsurance recoverable on unpaid losses
$21M0.0%
Cincinnati Financial logo
CINFCommercial Auto Line — Reinsurance recoverable on unpaid losses
$3M0.0%
The Hartford Financial Services Group logo
HIGGroup Insurance Policy — Reinsurance and other recoverables
$295M+3.1%
Hagerty logo
HGTYAuto — Reinsurance recoverable on unpaid losses and loss adjustment expenses
$5.64M-2.2%
The Hartford Financial Services Group logo
HIGProperty, Liability and Casualty Insurance Product Line — Reinsurance and other recoverables
$6.52B-1.6%
The Travelers Companies logo
TRVGeneral Liability — Reinsurance Recoverables on Unpaid Losses
$1.86B+25.8%

Other financials

Income statement

See full
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/S1×+0.1×

Profitability

See full
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 us-gaap:ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments.

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
($ in millions)As of December 31, 2025As of December 31, 2025
Net reserve for property and casualty insurance claims and claims expense33,067
Recoverables
Allstate Protection
Auto insurance - liability coverage6,301
Auto insurance - physical damage coverage18
Homeowners insurance679
Other personal lines204
Commercial lines231

Item 8. Financial Statements and Supplementary Data

FAQ

What is Allstate's auto insurance - liability coverage — recoverables?
Allstate (ALL) reported auto insurance - liability coverage — recoverables of $6.3B in Q4 2025.
How has Allstate's auto insurance - liability coverage — recoverables changed year-over-year?
Allstate's auto insurance - liability coverage — recoverables decreased by 9.4% year-over-year, from $6.96B to $6.3B.
What does auto insurance - liability coverage — recoverables mean?
This metric represents the portion of claims costs that the insurer expects to recover from third parties, such as reinsurers or subrogation efforts, related to auto liability coverage. It serves as a contra-liability or asset account that offsets the gross claims burden. Effective management of these recoverables is critical for mitigating net loss exposure and maintaining capital efficiency.

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