ALLSTATE CORP（ALL）の決算・業績分析
ALLSTATE CORPの2025年有価証券報告書をAI分析。売上高$57.1B(+11.1%)。Financials。
目次
ALLSTATE CORPの2025年度 業績サマリー
ALLSTATE CORP（証券コード: ALL）の2025年度決算・業績分析。売上高は$57.1B（前年比+11.1%）。純利益は-$188M（前年比+85.4%）。有価証券報告書を基に、業績変化の要因・リスク・見通し・セグメント構成を AI が分析しました。
ALLSTATE CORPの2024年度 注目ポイント
※ 直近の2025年度XBRLデータは取込済みですが、AI分析は2024年度の10-Kを対象としています。
- Net income plummeted to -$1.3B (-179.9% YoY) due to underwriting losses and disposals (XBRL).
- Operating cash flow remained stable at $5.1B, with $3.4B returned to shareholders via dividends and buybacks (XBRL).
- Revenue grew 1.6% YoY to $51.4B, but long-term debt rose to $7.9B with a D/E ratio of 4.82x (XBRL).
ALLSTATE CORPの売上高変化の要因
- •Total revenue was $51.4B (+1.6% YoY), driven by broader market trends despite disposals of segments like employer voluntary benefits ($2.0B) and group health businesses ($1.25B) (10-K). Segment-specific revenue figures are not available in the XBRL or 10-K (N/A). The 5-year CAGR for revenue is +7.5%, reflecting sustained growth despite FY2024 challenges (XBRL).
ALLSTATE CORPの営業利益変化の要因
- •Net income fell to -$1.3B (-179.9% YoY) with a net margin of -2.5% (XBRL). Operating income and gross profit data are unavailable (N/A). ROE and ROA were -7.2% and -1.2%, respectively, reflecting weak profitability (XBRL). The decline was attributed to macroeconomic impacts, underwriting losses, and business disposals (10-K).
ALLSTATE CORPの事業リスクと対応
Complex loss cost estimates and unknown policy losses (10-K).
Volatility in claim frequency and severity (10-K).
Catastrophes and severe weather impacting claims (10-K).
Difficulty obtaining rate increases (10-K).
Investment volatility due to market conditions (10-K).
Regulatory changes and evolving ESG standards (10-K).
Competitive pressures from changing consumer preferences and technology disruption (10-K).
ALLSTATE CORPの今後の見通し・業績予想
ALLSTATE CORPの事業内容
ALLSTATE CORP is a personal lines insurer offering auto, homeowners, and other protection solutions through segments like Allstate Protection, Run-off Property-Liability, and Allstate Health and Benefits (10-K). It generates revenue primarily through insurance premiums, with FY2024 revenue at $51.4B (+1.6% YoY) (XBRL). Key competitive advantages include brand recognition ('You’re In Good Hands') and diversified product offerings, though specific barriers to entry are not detailed (10-K). The company employs 55,000 people and serves individuals and businesses without significant customer concentration (10-K).
ALLSTATE CORPのAI業績分析レポート（2024年度）
ALLSTATE CORP (ALL) FY2024 Annual Report Analysis
Highlights
Business Overview
ALLSTATE CORP is a personal lines insurer offering auto, homeowners, and other protection solutions through segments like Allstate Protection, Run-off Property-Liability, and Allstate Health and Benefits (10-K). It generates revenue primarily through insurance premiums, with FY2024 revenue at $51.4B (+1.6% YoY) (XBRL). Key competitive advantages include brand recognition ('You’re In Good Hands') and diversified product offerings, though specific barriers to entry are not detailed (10-K). The company employs 55,000 people and serves individuals and businesses without significant customer concentration (10-K).
Revenue Analysis
Total revenue was $51.4B (+1.6% YoY), driven by broader market trends despite disposals of segments like employer voluntary benefits ($2.0B) and group health businesses ($1.25B) (10-K). Segment-specific revenue figures are not available in the XBRL or 10-K (N/A). The 5-year CAGR for revenue is +7.5%, reflecting sustained growth despite FY2024 challenges (XBRL).
Profitability Analysis
Net income fell to -$1.3B (-179.9% YoY) with a net margin of -2.5% (XBRL). Operating income and gross profit data are unavailable (N/A). ROE and ROA were -7.2% and -1.2%, respectively, reflecting weak profitability (XBRL). The decline was attributed to macroeconomic impacts, underwriting losses, and business disposals (10-K).
Balance Sheet Analysis
Equity ratio was 17.2%, with total equity declining to $17.8B (XBRL). Long-term debt rose to $7.9B, resulting in a D/E ratio of 4.82x (XBRL). Liquidity details (cash, credit facilities) are not quantified in the XBRL or 10-K (N/A).
Cash Flow Analysis
Operating cash flow was $5.1B, stable compared to prior years (XBRL). Free cash flow was $4.7B (OCF $5.1B - CapEx $420M). $3.4B was returned to shareholders via dividends ($926M) and share repurchases ($2.5B) (XBRL). CapEx was $420M, with major divestitures of $3.25B in employer voluntary benefits and group health businesses (10-K).
Working Capital Analysis
N/A
Risks
Outlook
Management highlights macroeconomic risks, business disposals, and the Transformative Growth initiative as key trends impacting future results (10-K). No explicit forward-looking guidance is provided (N/A).
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