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Allstate ALL Auto insurance - physical damage coverage — 1 year

Other product segments

Homeowners
66.5%-0.2%
Auto insurance - liability coverage
33.8%—

Similar metrics at other companies

Horace Mann Educators logo
HMNAuto physical damage — Year One
95%—
Kemper logo
KMPRCommercial Automobile Insurance—Physical Damage — Year 1
87.2%+1.8pp
Safety Insurance Group logo
SAFTPrivate Passenger Automobile Physical Damage — Shortduration Insurance Contracts Historical Claims Duration Year One
101.8%—
The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — 1st Year
93.3%+1.4pp
The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — 2nd Year
4.4%-1.9pp
Kemper logo
KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 1
94.7%+1.7pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 - physical damage coverage — 1 year?
Allstate (ALL) reported auto insurance - physical damage coverage — 1 year of 93.1% in Q4 2025.
How has Allstate's auto insurance - physical damage coverage — 1 year changed year-over-year?
Allstate's auto insurance - physical damage coverage — 1 year decreased by 0.0% year-over-year, from 93.1% to 93.1%.
What does auto insurance - physical damage coverage — 1 year mean?
This metric represents the one-year development of loss reserves for the physical damage segment, showing how the estimate of liabilities changes over a single annual period. It is a key measure of short-term reserving accuracy and the impact of recent claims experience on the balance sheet. It helps investors gauge the volatility of the company's underwriting results.