ALL Earnings Prediction
The chart below shows how ALL performed 10 days before and after its earnings report, based on data from the past quarters. Typically, ALL sees a -1.12% change in stock price 10 days leading up to the earnings, and a +1.60% change 10 days following the report. On the earnings day itself, the stock moves by +0.33%. This data can give you a slight idea of what to expect for the next quarter's release.
ALL Key Earning Data
ALL Earnings Analysis
Positive
Revenue Increase Q1 2025: Allstate reported revenues of $16.5 billion in Q1 2025, a 7.8% increase compared to Q1 2024.
Net Income Performance: The company generated net income of $566 million and adjusted net income of $949 million, equating to $3.53 per diluted share.
Strong Profitability Indicator: Adjusted net income return on equity was 23.7% over the last 12 months, indicating strong profitability.
Underwriting Income Performance: The Property-Liability business generated $360 million of underwriting income this quarter, showcasing effective management of underwriting risks.
Improved Combined Ratio: The auto combined ratio improved to 91.3, with average earned premium increases outpacing losses, driven by favorable physical damage loss cost trends.
Homeowners Insurance Profit Stability: Homeowners insurance business consistently generates profits with a 10-year recorded combined ratio of 91.5, indicating stability in this segment.
Customer Interaction Enhancement: The S.A.V.E. program aims to improve customer interactions, with a goal of enhancing 25 million interactions this year, building on last year's success of over 20 million.
Auto Insurance Application Growth: New business applications for auto insurance were up 31.2% compared to the prior year, reflecting successful growth strategies across distribution channels.
Homeowners Business Growth: Homeowners new business grew by 10% this quarter, indicating strong demand and effective bundling strategies.
Customer Base Expansion: Allstate Protection Plans business has grown its customer base over four times since acquisition, now serving 162 million customers in 18 countries, demonstrating successful expansion.
Protection Services Growth: The Protection Services segment generated $162 million in adjusted net income over the past 12 months, seven times greater than in 2018, showcasing significant growth in this area.
Negative
Combined Ratio Increase: The Property-Liability business experienced a combined ratio of 97.4, which is 4.4 points higher than the previous year, primarily due to $3.3 billion in gross catastrophe losses, significantly impacting profitability.
Auto Insurance Policy Trends: The auto insurance segment saw a slight decline in policies in force, down 0.4% compared to the previous year, indicating challenges in customer retention despite increased new business applications.
Customer Retention Challenges: The overall retention rate for auto policies decreased, which offset the increase in new business applications, suggesting potential issues in maintaining existing customer relationships.
Catastrophe Losses Surge: Catastrophe losses in the first quarter were significantly higher than historical averages, with 2025 being an outlier year, raising concerns about the company's exposure to natural disasters and their financial impact.
Property-Liability Segment Challenges: The company faced challenges in the Property-Liability segment, as the growth in homeowners policies was not enough to offset the decline in auto policies, indicating a potential imbalance in their portfolio strategy.
ALL FAQs
How does ALL typically perform around its earnings report dates?
ALL's stock performance around earnings reports can vary, but historical data shows specific patterns, such as a -1.12% change leading up to the report and a +1.60% change in the 10 days following the release.
Is Allstate Corp (ALL) Q1 2025 Earnings Call Summary positive or negative?
How can historical earnings data help predict future stock performance?
ALL Earning Call Sentiment
The Allstate Corporation (ALL) Q1 2025 Earnings Call Transcript
ALL.N
-0.07%
