What is Allstate's homeowners — 2 years?

Allstate (ALL) reported homeowners — 2 years of 26.3% in Q4 2025.

How has Allstate's homeowners — 2 years changed year-over-year?

Allstate's homeowners — 2 years increased by 4.0% year-over-year, from 25.3% to 26.3%.

What does homeowners — 2 years mean?

This metric represents the two-year development of loss reserves for the homeowners segment, measuring the change in estimated liabilities over a two-year horizon. It provides a longer-term view of reserve stability compared to the one-year metric.

Allstate (ALL) Homeowners — 2 years

Screener

Other product segments

Auto insurance - liability coverage

33.4%—

Auto insurance - physical damage coverage

7.2%—

Similar metrics at other companies

KMPRHomeowners — Year 2

93%+0.6pp

HMNHomeowners — Year Two

18.6%+0.2pp

CNASurety — Year 2

36.2%-4.8pp

UFCSPersonal — Year 2

35.2%+2.2pp

HGTYAuto — Year 2

24.3%-0.8pp

GLRECasualty — Year 2

34%+0.2pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 year	2 years	3 years	4 years	5 years	After 5 years
Homeowners insurance	66.5%	26.3%	4.0%	1.8%	0.7%	0.7%

Item 8. Financial Statements and Supplementary Data

FAQ

What is Allstate's homeowners — 2 years?: Allstate (ALL) reported homeowners — 2 years of 26.3% in Q4 2025.
How has Allstate's homeowners — 2 years changed year-over-year?: Allstate's homeowners — 2 years increased by 4.0% year-over-year, from 25.3% to 26.3%.
What does homeowners — 2 years mean?: This metric represents the two-year development of loss reserves for the homeowners segment, measuring the change in estimated liabilities over a two-year horizon. It provides a longer-term view of reserve stability compared to the one-year metric.