Allstate (ALL) Auto insurance - physical damage coverage — Net outstanding liabilities

Screener

Other product segments

Auto insurance - liability coverage

$21.52B—

Homeowners

$4.12B-3.4%

Other personal lines

$2.66B+17.6%

Run-off Property-Liability

$1.33B—

Commercial lines

$1.13B-31.5%

Other business lines

$93M-30.1%

Protection Services

$60M—

Similar metrics at other companies

MCYProperty insurance product line, automobile — Net outstanding liabilities

$2.48B+10.8%

MCYProperty insurance product line, homeowners' — Net outstanding liabilities

$530.46M+25.0%

MCYOther Short-duration Insurance Product Line — Net outstanding liabilities

$159.5M+61.2%

MCYProperty insurance product line, commercial property — Net outstanding liabilities

$245.28M+15.1%

KMPRCommercial Automobile Insurance—Physical Damage — Property and Casualty Insurance Reserves, Net of Reinsurance

$15.8M-7.6%

KMPRPreferred Personal Automobile Insurance—Physical Damage — Property and Casualty Insurance Reserves, Net of Reinsurance

$100K+108%

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

See full

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

See full

Operating cash flow$2.6B+40.6%

CapEx$43.0M—

Free cash flow$2.6B+38.3%

Valuation

See full

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

See full

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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet.

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, except number of reported claims) / Accident year	Incurred claims and allocated claim adjustment expenses, net of recoverables / For the years ended December 31, 2021	Incurred claims and allocated claim adjustment expenses, net of recoverables / For the years ended December 31, 2022	Incurred claims and allocated claim adjustment expenses, net of recoverables / For the years ended December 31, 2023	Incurred claims and allocated claim adjustment expenses, net of recoverables / For the years ended December 31, 2024	Incurred claims and allocated claim adjustment expenses, net of recoverables / For the years ended December 31, 2025
2021	$6,803	$7,306	$7,250	$7,229	$7,227
2022	—	8,264	9,101	9,059	9,046
2023	—	—	8,498	9,104	9,079
2024	—	—	—	7,826	8,329
2025	—	—	—	—	7,121
				Total	$40,802
All outstanding liabilities before 2021, net of recoverables					11
Liabilities for claims and claim adjustment expenses, net of recoverables					$597

Item 8. Financial Statements and Supplementary Data

FAQ

What is Allstate's auto insurance - physical damage coverage — net outstanding liabilities?: Allstate (ALL) reported auto insurance - physical damage coverage — net outstanding liabilities of $597M in Q4 2025.
How has Allstate's auto insurance - physical damage coverage — net outstanding liabilities changed year-over-year?: Allstate's auto insurance - physical damage coverage — net outstanding liabilities decreased by 17.2% year-over-year, from $721M to $597M.
What does auto insurance - physical damage coverage — net outstanding liabilities mean?: This represents the total net liability for unpaid claims and claim adjustment expenses for the physical damage segment at a specific point in time. It is the sum of all reserves held for both reported and unreported claims, net of expected recoveries. This is the primary balance sheet figure for insurance obligations.