ALL · NYSE · STOCK
Allstate (ALL) Stock Analysis
$229.46
52W $188.08 – $277.22
65/100
$59.06B
4.5
0.14
Is ALL Bullish or Bearish?
Bullish.
Innellis AI committee rates Allstate (ALL) Buy with a composite score of 65/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.08 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -9.92 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 132.8% yoy. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 4.4 is inexpensive for the broad market — Value
- ROE of 43.1% shows genuine earnings power backing the valuation — Value
- Dividend yield of 2.6% pays you to wait — Value
- EPS growing 132.8% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Bollinger bandwidth of 22.1% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
65/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 22%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 4.4 is inexpensive for the broad market
Growth Analyst
bullish
72
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 132.8% YoY
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.24) -- balance sheet can absorb a shock
− Bollinger bandwidth of 22.1% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 24 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 64.9 to 64.9.
- New bearish signals: 1 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
48.3
Neutral
MACD Histogram
0.619
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$204.90
Resistance
$277.18
Bollinger %B
0.41
Inside Bands
Price vs Moving Averages
EMA 9
$227.72
Above
EMA 21
$233.75
Below
EMA 50
$241.47
Below
EMA 200
$229.90
Below
Fundamental Analysis
Valuation
99
Growth
81
Profitability
84
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
4.5×
P/B Ratio
1.74×
PEG Ratio
0.03
Dividend Yield
1.85%
52W High
$277.22
52W Low
$188.08
Quality & Growth
ROE
3359.0%
ROA
858.6%
Gross Margin
4215.6%
Operating Margin
2483.1%
Revenue Growth YoY
—
Debt / Equity
0.22
AI Fundamental Assessment
P/E ratio of 4.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.7x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 33.6%; Return on assets of 8.6%; Net margin of 19.2%; Gross margin of 42.2%; Current ratio of 0.24 (tight short-term liquidity); Debt-to-equity of 0.22; Free cash flow per share is positive (47.85); Most recent quarter beat estimates by 45.4%; 5 consecutive earnings beats; EPS growth accelerating (-25.6% -> -15.6% QoQ); Average YoY EPS growth of 51.4%; Analyst estimates falling over recent quarters
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