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

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

SIGIHomeowners — Short-duration insurance contracts, historical claims duration, year two

23.5%+0.6pp

HMNHomeowners — Year Two

18.6%+0.2pp

SAFTHomeowners Liability — Shortduration Insurance Contracts Historical Claims Duration Year Two

22.8%—

SIGIHomeowners — Short-duration insurance contracts, historical claims duration, year eight

0%—

SIGIHomeowners — Short-duration insurance contracts, historical claims duration, year three

3.5%+0.2pp

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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 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.