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Allstate (ALL) Stock Analysis

Financial Services Updated August 24, 2026
$253.69
52W $188.08 – $277.22
67/100
$65.34B
5.0
0.16
AI Committee Verdict
Buy
67/100
Conviction: High · 83% agreement · 6 analysts
-19.2%
High

Is ALL Bullish or Bearish?

Bullish. Innellis AI committee rates Allstate (ALL) Buy with a composite score of 67/100 , based on 6 analysts with 83% agreement. Last updated August 24, 2026.

What Would Change This View

Upgrade to Strong Buy
Requires a committee score of 75.0 — +8.00 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 — -12.00 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 primary driver is low leverage (debt-to-equity 0.24) -- balance sheet can absorb a shock. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.

Bull & Bear Case

Bull Case
  • P/E of 4.9 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
  • MACD histogram negative -- bearish momentum — Technical
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 August 24, 2026
Overall Committee Score
67/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 15%
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 4.9 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
48 / 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst bullish
80 / 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.24) -- balance sheet can absorb a shock
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 36 articles, 14d)
Portfolio Manager neutral
45 / 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
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Investment Thesis Evolution

Committee score moved marginally from 67.0 to 67.0.

Comparing 2026-08-23 to 2026-08-24 (1 day apart).

Technical Analysis

RSI (14)
37.3
Neutral
MACD Histogram
-2.253
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.10
Inside Bands
Price vs Moving Averages
EMA 9
$258.67 Below
EMA 21
$258.92 Below
EMA 50
$250.12 Above
EMA 200
$224.82 Above

Fundamental Analysis

Valuation
98
Growth
81
Profitability
84
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio 5.0×
P/B Ratio 1.93×
PEG Ratio 0.04
Dividend Yield 1.64%
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 5.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.9x; 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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