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The Allstate Corporation (ALL) investor relations material
The Allstate Corporation Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary10 Dec, 2025
Strategic overview and recent performance
Focus on increasing personal property liability market share, expanding protection offerings, and leveraging brand and identity protection services.
Property liability premiums rose 8.2% to $56.8B; net income more than doubled to $8.3B; adjusted net income rose 72.8% to $7.6B.
Return on equity reached 34.7%, with total shareholder return over 15% and a price-earnings ratio of 7.4.
Net investment income increased 18.4% over the trailing twelve months.
Market dynamics and competitive positioning
Auto insurance remains highly competitive, with scale enabling attractive returns and a 2025 combined ratio of 88.1, outperforming industry averages.
Allstate’s auto and homeowners combined ratios are below industry averages, indicating strong underwriting performance.
Market share in auto increased from 9.3% to 10.2% since 2019; homeowners share also up.
Homeowners insurance presents profitability challenges, with industry combined ratios above 100, though recent results show improvement.
Growth driven by cost reductions, expanded distribution, and new product launches.
Transformative growth initiatives
Growth plan initiated in 2019 increased personal auto market share from 8.0% to 8.7% and homeowners from 9.3% to 10.2% by 2024.
Five-component plan includes cost reduction, expanded distribution, sophisticated marketing, and advanced technology.
Expense ratio reduced by 6.7 points since 2018 through digitization, real estate optimization, and enhanced go-to-market model.
Direct sales and independent agency presence expanded via National General acquisition; marketing investments more than doubled since 2019.
New auto and home products now available in 42 and 24 states, respectively.
What drives the exceptional LTM homeowners combined ratio?
Assess the effectiveness of market share growth initiatives
Quantify ALLIE's expected financial impact
ALLIE's impact on future market share growth
NY/NJ new product approval timeline
M&A appetite for protection plans business
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Q4 20255 Feb, 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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