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The Allstate Corporation (ALL) investor relations material
The Allstate Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Revenues reached $17.3B in Q3 2025, up 3.8% year-over-year, with net income of $3.7B and adjusted net income of $3.0B, driven by higher underwriting income and business sales gains.
Year-to-date total revenues were $50.34B, a 5.8% increase, reflecting premium growth and investment income.
Strategic focus on operational excellence, transformative growth, and proactive investment approach continues to drive shareholder value and market share expansion.
Major business sales included Employer Voluntary Benefits and Group Health, generating after-tax gains of $641M and $506M.
Policies in force grew to 209.5M, led by Protection Plans and increased auto and homeowners policies.
Financial highlights
Net income per diluted share was $13.95, with adjusted net income per share at $11.17, up 185.7% year-over-year.
Book value per diluted share rose 36.4% to $95.95; shareholders' equity increased to $27.51B.
Net investment income grew 21.2% in Q3 to $949M, driven by higher yields and private equity/real estate gains.
Property-Liability earned premiums grew 6.1% in Q3; underwriting income surged to $2.9B from $495M.
Return on equity for the trailing twelve months was 37.2% for net income and 34.7% for adjusted net income.
Outlook and guidance
Targeting mid-90s combined ratio for auto and low-90s for homeowners, with 10-year averages of 94.9 and 92.3.
Continued growth expected from new product rollouts, increased advertising, broad distribution, and expanded retention programs.
Management is monitoring macroeconomic risks, including tariffs, supply chain disruptions, and inflation.
Transformative Growth strategy expected to drive policy growth and operational efficiency.
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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.
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