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The Allstate Corporation
The Allstate Corporation (ALL) investor relations material
The Allstate Corporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Fourth quarter revenues reached $17.3 billion, with full-year revenues at $67.7 billion, and net income for the year at $10.2 billion, driven by improved underwriting, lower catastrophes, and reserve releases.
Transformative Growth initiatives and expanded distribution led to increased market share, improved affordability, and strong policy growth in both auto and homeowners insurance.
Premiums for 7.8 million customers were reduced by an average of 17% to offset cost inflation, enhancing customer value.
Over $2.2 billion was returned to shareholders in 2025, with an 8% dividend increase and a new $4 billion share repurchase program authorized.
Total policies in force reached 210.9 million in Q4 2025, up 3.0% year-over-year, driven by broad distribution and simple, connected products.
Financial highlights
Adjusted net income for Q4 was $3.8 billion; full-year adjusted net income was $9.3 billion.
Auto insurance premiums earned rose 4.4% and homeowners by 15% year-over-year; auto policy growth was 2.3%, homeowners 2.5%.
Q4 2025 net income applicable to common shareholders was $3.8 billion, up 100.3% year-over-year.
Book value per common share increased 49.9% to $108.45 at year-end 2025.
Net investment income rose to $3.4 billion, with a 6.1% total return on market-based assets.
Outlook and guidance
Continued focus on affordability, cost reduction, and rollout of new products and technology platforms.
Growth expected in both direct and independent agent channels, with Custom 360 and ASC products expanding to more states.
Premium reductions and tailored coverage reviews are expected to continue improving affordability and customer retention.
Impact of 17% premium reduction on margins
Strategy for Arity's declining revenue
Explain Q4 shift to public equity securities
Balance of affordability actions and target margins
Leverage broad distribution for market share gains
Impact of tort reform on long-term auto profitability?
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The Allstate Corporation
Next The Allstate Corporation earnings date
Q1 202630 Apr, 2026
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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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