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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
The Allstate Corporation
The Allstate Corporation (ALL) investor relations material
The Allstate Corporation Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
Q3 revenue was $17.348B, up 0.5% YoY; net income applicable to common shareholders was $2.050B, down 44.8%, and adjusted net income was $2.493B, down 16.2%.
Adjusted net income was $9.76 per diluted share; adjusted ROE was 39.7%.
Property-Liability policies in force grew 3.3%; total policies in force rose 3.9% to 217.6M.
Transformative Growth advanced through market-share gains, customer-value initiatives, technology investment and enterprise-wide AI deployment.
Financial highlights
Property-Liability net premiums written rose 2.5% to $16.020B; earned premiums increased 3.8% to $15.086B.
Net investment income rose 24.0% to $1.177B, supported by higher yields and premium growth; LTM net investment income was $4.016B, up 67.1% since 2022.
Q3 net investment and derivative losses were $545M versus $252M in gains a year earlier; higher interest rates reduced fixed-income valuations.
Prior-year net income benefited from sales of the Employer Voluntary Benefits and Group Health businesses in Q2 and Q3 2025.
Q3 operating income before tax was $2.62B versus $4.82B YoY; nine-month operating income was $9.87B versus $8.24B.
Outlook and guidance
Strategy prioritizes Property-Liability market-share growth, broader protection offerings, customer value, technology and organizational change.
Rate adjustments are planned where returns are acceptable, with pricing and underwriting actions tailored by state and market to keep pace with costs.
ALLIE personal agentic assistant and additional AI capabilities are planned for early 2027; market adoption pace remains uncertain.
Replica acquisition was expected to close before year-end 2026, subject to customary closing conditions.
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Latest events from The Allstate Corporation
- Q4 returned to $1.460B net income as underwriting improved and mild weather eased catastrophe losses.ALL
Q4 2023 - Q2 revenue up 11.8% to $18.6B, net income $3.24B, strong underwriting and capital returns.ALLQ2 2026
- All proposals except the ESG/DEI report passed, with strong financial and strategic updates shared.ALLAGM 2026
- Net income surged to $2.43B on 3% revenue growth and improved combined ratios.ALLQ1 2026
- 2025 saw robust growth, strong returns, and continued governance and compensation best practices.ALLProxy filing
- Director elections, pay, auditor ratification, and ESG/DEI metrics in pay are up for vote.ALLProxy filing
- 2025 saw robust growth, cost savings, tech-driven expansion, and improved affordability.ALL47th Annual Raymond James Institutional Investor Conference
- Q3 2025 delivered strong profit growth, improved underwriting, and robust capital returns.ALLQ3 2025
- Q3 net income hit $1.2B on 14.7% revenue growth, with a $2B business sale pending.ALLQ3 2024
Next The Allstate Corporation earnings date
Q4 20263 Feb, 2027
The Allstate Corporation
Next The Allstate Corporation earnings date
Q4 20263 Feb, 2027
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Frequently asked questions
A shield against uncertainty
Allstate Corporation is a well-known American insurance company founded in 1931 and headquartered in Northbrook, Illinois. It is one of the largest personal lines insurers in the world, providing various types of insurance products and services to individuals, families, and businesses.
Offering more than insurances
Allstate operates primarily in the property and casualty insurance sector, offering a wide range of insurance products including auto, home, renters, condo, motorcycle, boat, business, and life insurance. The company employs a multi-channel distribution strategy, selling its products through various channels, including exclusive agencies, independent agencies, and direct channels such as the internet and call centers. Allstate is also involved in investment management and offers retirement and investment products.
Allstate's unique agency distribution model involves exclusive agents who are independent contractors representing the company. These agents offer personalized service and build long-term relationships with customers, providing advice and support throughout the insurance process.
The company prides itself on its claims service, aiming to provide a seamless and efficient experience for customers during difficult times. The company has a network of claims professionals who handle claims promptly and strive to settle them fairly and accurately.
Three listed peers to Allstate are: State Farm, Progressive Corporation, and Travelers Companies Inc.