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Allstate ALL Other personal lines — Net outstanding liabilities

Other product segments

Auto insurance - liability coverage
$21.52B—
Homeowners
$4.12B-3.4%
Run-off Property-Liability
$1.33B—
Commercial lines
$1.13B-31.5%
Auto insurance - physical damage coverage
$597M—
Other business lines
$93M-30.1%
Protection Services
$60M—

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MCYProperty insurance product line, automobile — Net outstanding liabilities
$2.48B+10.8%
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MCYProperty insurance product line, homeowners' — Net outstanding liabilities
$530.46M+25.0%
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MCYProperty insurance product line, commercial property — Net outstanding liabilities
$245.28M+15.1%
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SIGIStandard Personal Lines — Total liabilities for unpaid loss and loss expenses, net of reinsurance
24,457,000,000%+2,013,600,000pp
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CINFPersonal Auto — Total liabilities for loss and ALAE, net of reinsurance
50,100,000,000%+11,200,000,000pp

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

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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

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)As of December 31, 2025As of December 31, 2025
Auto insurance - liability coverage$$21,521
Auto insurance - physical damage coverage597
Homeowners insurance4,122
Other personal lines2,664
Commercial lines1,133
Other business lines93
Protection Services60
Run-off Property-Liability (1)1,326

Item 8. Financial Statements and Supplementary Data

FAQ

What is Allstate's other personal lines — net outstanding liabilities?
Allstate (ALL) reported other personal lines — net outstanding liabilities of $2.66B in Q4 2025.
How has Allstate's other personal lines — net outstanding liabilities changed year-over-year?
Allstate's other personal lines — net outstanding liabilities increased by 17.6% year-over-year, from $2.27B to $2.66B.
What does other personal lines — net outstanding liabilities mean?
This metric represents the net balance of the insurer's obligations for unpaid claims and adjustment expenses for the other personal lines segment after accounting for reinsurance recoverables. It reflects the total future liability the company expects to pay out for claims that have already occurred but have not yet been settled. This is a key measure of the long-term financial burden and reserve adequacy for the segment.

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