Allstate Q2 rev. up 3.1% YoY to $16.6 bln, net income $2.1 bln.

• Allstate reports Q2 2025 revenue at $16.6 billion. • Net income for Q2 2025 is $2.1 billion. • Company executes growth strategies. • Revenues increase. • Net income up. • Q2 2025 financial performance strong. • Allstate reports strong Q2 performance.

The Allstate Corporation (ALL) is set to report its second-quarter 2025 results on July 30, 2025, after the closing bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $3.36 per share on revenues of $17.16 billion. The second-quarter earnings estimate witnessed four upward revisions against one downward movement over the past 60 days. The bottom-line projection indicates a year-over-year jump of 108.7%. Also, the Zacks Consensus Estimate for quarterly revenues suggests a year-over-year increase of 8.5% [1].

For 2025, the Zacks Consensus Estimate for Allstate’s revenues is pegged at $69.06 billion, implying a rise of 7.4% year over year. However, the consensus mark for 2025 EPS is pegged at $18.33, implying a year-over-year increase of a penny. Allstate has a robust history of surpassing earnings estimates, beating the consensus estimate in each of the last four quarters, with the average surprise being 134.9% [1].

The Zacks Consensus Estimate and our model estimate for net premiums earned indicate 9.9% and 7.7% year-over-year growth, respectively. Net investment income is expected to have received an impetus from higher-yielding fixed-income securities. The Zacks Consensus Estimate for net investment income indicates 14.5% year-over-year growth from $712 million [1].

The consensus mark for adjusted net income from the Protection Services business indicates 14.7% year-over-year growth. The consensus mark for Homeowners’ policies in force indicates a 2.5% year-over-year increase. The consensus mark for underwriting income from the Auto brand is pegged at $484.7 million compared with $370 million a year ago. The combined ratio in this line of business is pegged at 94.99%, improving from 95.90% in the year-ago quarter. This means a larger portion of premiums remained in the company’s kitty following claim payments [1].

The consensus estimate for underwriting loss from Commercial Lines is pegged at $11.5 million, down from $138 million a year ago. However, the consensus mark for adjusted net income from the Allstate Health and Benefits unit indicates a 44.3% year-over-year decrease. Our model estimate for total costs and expenses indicates more than a 6% year-over-year increase due to higher operating costs and claims expenses, partially offsetting the positives [1].

Several insurance companies, including Marsh & McLennan Companies, Inc. (MMC), Aon plc (AON), and AMERISAFE, Inc. (AMS), have already reported their financial results for the June quarter of 2025. Marsh & McLennan reported second-quarter 2025 adjusted earnings per share of $2.72, which surpassed the Zacks Consensus Estimate by 2.3%, aided by strong growth in Risk and Insurance Services, particularly from the Marsh and Guy Carpenter businesses. AON reported second-quarter adjusted earnings of $3.49 per share, which beat the Zacks Consensus Estimate by 2.7%, benefiting from new business growth and solid retention rates in its solution lines. AMERISAFE reported second-quarter adjusted earnings per share of 53 cents, which missed the Zacks Consensus Estimate by 3.6%, affected by a drop in net investment income, softer underwriting results, and elevated expense levels [2].

Tredje AP fonden boosted its holdings in The Allstate Corporation (NYSE:ALL) by 77.9% during the 1st quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 210,236 shares of the insurance provider's stock after buying an additional 92,085 shares during the quarter. Other large investors have also recently bought and sold shares of the company [3].

Allstate's revenue for the quarter was up 7.8% on a year-over-year basis. The company reported $3.53 EPS for the quarter, missing analysts' consensus estimates of $3.98 by ($0.45). The firm had revenue of $14.30 billion during the quarter, compared to analyst estimates of $16.41 billion. Allstate had a net margin of 6.19% and a return on equity of 24.62% [3].

Allstate's stock performance is notable, with a quick ratio of 0.40, a current ratio of 0.40, and a debt-to-equity ratio of 0.40. The company has a market cap of $51.33 billion, a P/E ratio of 13.24, a PEG ratio of 1.00, and a beta of 0.33. The company has a 52 week low of $168.36 and a 52 week high of $213.18. The company has a 50-day moving average price of $198.69 and a 200 day moving average price of $197.01 [3].

References:
[1] https://ca.finance.yahoo.com/news/allstate-report-q2-earnings-auto-165000251.html
[2] https://finance.yahoo.com/news/allstate-report-q2-earnings-auto-165000251.html
[3] https://www.marketbeat.com/instant-alerts/filing-tredje-ap-fonden-boosts-stock-position-in-the-allstate-corporation-nyseall-2025-07-30/