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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 $17.3 billion in Q3 2025, up 3.8% year-over-year, with net income of $3.7 billion and adjusted net income of $3.0 billion ($11.17 per share), driven by strong property-liability results, modest catastrophe losses, higher investment income, and favorable reserve releases.
Year-to-date total revenues reached $50.34 billion, a 5.8% increase from the prior year, reflecting higher auto and homeowners policies and premium rate increases.
Policies in force increased to 209.5 million, reflecting growth in property liability, protection offerings, and expanded market share in non-standard auto and independent agent channels.
Major business sales included the Employer Voluntary Benefits and Group Health businesses, generating after-tax gains and strengthening capital position.
Transformative Growth strategy and technology investments, including AI, are driving profitable growth, cost reduction, and operational efficiency.
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 common share increased 36.4% to $95.95.
Property-Liability earned premiums grew 6.1% in Q3 and 7.4% year-to-date; underwriting income surged to $2.9 billion from $495 million.
Net investment income rose to $949 million in Q3, up 21.2% year-over-year.
Return on equity for the last 12 months was 37.2% for net income and 34.7% for adjusted net income.
Outlook and guidance
The company targets a mid-90s combined ratio in auto and a low-90s in homeowners, with 10-year averages of 94.9 and 92.3, respectively.
Continued growth expected from new product rollouts, increased advertising, broad distribution, and expanded retention programs.
Ongoing focus on profitable policy growth, retention improvement, and leveraging technology for efficiency and customer value.
Management is monitoring macroeconomic risks, including inflation, tariffs, supply chain disruptions, and regulatory changes.
How will Agentic AI redefine customer value?
Prioritize capital deployment for shareholders
Balance PIF growth with target combined ratio
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Goldman Sachs U.S. Financial Services Conference10 Dec, 2025
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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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