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Allstate ALL Auto insurance - physical damage coverage — 5 years

Other product segments

Auto insurance - liability coverage
4.1%—
Homeowners
0.7%-12.5%

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KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 5
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KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 5
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10.7%+0.2pp

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/S1×+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 us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 – physical damage coverage93.1%7.2%(0.5)%(0.2)%—0.4%

Item 8. Financial Statements and Supplementary Data

FAQ

What is Allstate's auto insurance - physical damage coverage — 5 years?
Allstate (ALL) reported auto insurance - physical damage coverage — 5 years of 0% in Q4 2025.
What does auto insurance - physical damage coverage — 5 years mean?
This metric quantifies the liability for unpaid claims and claims adjustment expenses for auto physical damage coverage that is anticipated to be settled exactly five years after the claim occurrence. It represents the tail-end of the primary settlement cycle for physical damage insurance products. This data point is essential for assessing the company's ability to forecast long-term loss development patterns.

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