ALL Allstate

insurance · 2026-10-15

N/A

too hard · 42

Owner-earnings value$219.16

Price$236.17

Margin of safety -7.2%

Quality gate · 42/100

Returns on capital 11.6/30

Consistency 7.0/22

Margins / pricing power 11.0/16

Balance sheet 3.0/16

Cash conversion 5.0/10

Capital allocation 4.9/6

⚠ unprofitable in too many years

Median ROE10.3%

FCF conversion202%

Share count / yr-0.4%

Profitable years2/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)	13.31B
Owner-earnings yield	22.3%
Free-cash-flow yield	20.5%
Growth used (normalized)	8.0%
Terminal growth	3.0%
Discount rate (hurdle)	7.4%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

Date	Quality	Price	Value	MoS	Rating
2026-10-15	42	$236.17	$219.16	-7.2%	N/A
2026-09-14	42	$253.71	$224.10	-11.7%	N/A
2026-08-12	42	$262.23	$231.44	-11.7%	N/A
2026-07-10	42	$248.64	$231.24	-7.0%	N/A
2026-07-02	42	$243.12	$233.05	-4.1%	N/A
2026-06-25	51	$233.54	$235.16	+0.7%	N/A
2026-06-23	51	$231.55	$232.53	+0.4%	N/A

Date

Quality

Price

Value

MoS

Rating

2026-10-15

$236.17

$219.16

-7.2%

N/A

2026-09-14

$253.71

$224.10

-11.7%

N/A

2026-08-12

$262.23

$231.44

-11.7%

N/A

2026-07-10

$248.64

$231.24

-7.0%

N/A

2026-07-02

$243.12

$233.05

-4.1%

N/A

2026-06-25

$233.54

$235.16

+0.7%

N/A

2026-06-23

$231.55

$232.53

+0.4%

N/A

Quality gate · 42/100

Moat & management

Owner-earnings inputs

History