Allstate (ALL) came out with quarterly earnings of $11.17 per share, beating the Zacks Consensus Estimate of $8.2 per share. This compares to earnings of $3.91 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +36.22%. A quarter ago, it was expected that this insurer would post earnings of $3.32 per share when it actually produced earnings of $5.94, delivering a surprise of +78.92%.Over the last four quarters, the company has su ...

Core Insights - The Allstate Corporation reported strong operating results for Q3 2025, with revenues reaching $17.3 billion, reflecting a 3.8% increase compared to the previous year [1] - The number of policies in force increased to 209.5 million, driven by growth in Protection Plans as well as an increase in homeowners and auto insurance policies [1] Financial Performance - Revenues for Q3 2025 were $17.3 billion, marking a 3.8% year-over-year growth [1] - The increase in policies in force to 209.5 million indicates a positive trend in customer acquisition and retention [1]

The insurance company posted a quarterly profit of $3.75 billion, compared with $1.19 billion a year earlier. ...

Financial Performance - Consolidated net income applicable to common shareholders increased by $2.56 billion to $3.72 billion in Q3 2025, and increased by $3.71 billion to $6.36 billion in the first nine months of 2025 compared to the same periods in 2024, primarily due to higher underwriting income and gains on dispositions [239]. - Total revenues increased by 3.8% to $17.26 billion in Q3 2025 and increased by 5.8% to $50.34 billion in the first nine months of 2025 compared to the same periods in 2024, driven by higher auto and homeowners insurance policies in force and premium rate increases [242]. - Net investment income rose by $166 million to $949 million in Q3 2025 and increased by $298 million to $2.56 billion in the first nine months of 2025 compared to the same periods in 2024, primarily due to improved market-based and performance-based investment results [243]. - Underwriting income for Allstate Protection was $3.04 billion in Q3 2025, up from $555 million in Q3 2024, and totaled $4.69 billion in the first nine months of 2025 compared to $1.32 billion in the same period of 2024 [250]. - Premiums written increased by 6.3% to $15.63 billion in Q3 2025 and increased by 6.7% to $44.97 billion in the first nine months of 2025 compared to the same periods in 2024, reflecting higher auto and homeowners insurance policies in force [251]. Cost Management - Total costs and expenses decreased to $13.16 billion in Q3 2025 from $15.21 billion in Q3 2024, and totaled $43.71 billion in the first nine months of 2025 compared to $44.29 billion in the same period of 2024 [249]. - The expense ratio for Q3 2025 was 21.8%, an increase of 0.3 percentage points from 21.5% in Q3 2024 [298]. - Total underwriting expenses rose by $224 million or 7.6% to $3,173 million in Q3 2025 compared to Q3 2024 [298]. Investment Performance - Total investments reached $82.33 billion as of September 30, 2025, up from $72.61 billion as of December 31, 2024, primarily due to operating and investment cash flows [314]. - Fixed income securities totaled $57.19 billion as of September 30, 2025, an increase from $52.75 billion as of December 31, 2024 [320]. - The company reported a net investment income of $2,557 million for the first nine months of 2025, an increase of 13.2% or $298 million compared to the same period in 2024 [337]. - The company’s total equity securities reached a fair value of $5,338 million as of September 30, 2025, up from $4,463 million at the end of 2024 [336]. Underwriting and Claims - The loss ratio for the third quarter of 2025 improved to 58.3%, compared to 74.9% in the same quarter of 2024, indicating better claims management [262]. - The combined ratio for the third quarter of 2025 was 80.1%, a notable improvement from 96.4% in the third quarter of 2024, reflecting enhanced underwriting performance [262]. - Catastrophe losses for the third quarter of 2025 were $558 million, down from $1.70 billion in the same period of 2024, contributing to improved underwriting results [264]. - The auto loss ratio decreased by 11.3 points to 60.6% in Q3 2025 compared to Q3 2024, driven by increased earned premiums and lower claim frequency [279]. Shareholder Returns - The company repurchased 4.0 million common shares for $805 million during the first nine months of 2025, representing 1.5% of total common shares outstanding at the end of 2024 [350]. - The company paid dividends totaling $773 million in the first nine months of 2025, with a maximum estimated dividend capacity of $3.95 billion through February 2026 [359]. Risk Management - Key risks include actual claim costs exceeding reserves and unexpected increases in claim frequency or severity [364]. - The company emphasizes the importance of managing risks related to cybersecurity and information security controls [364]. - Regulatory limitations on rate increases and underwriting standards could affect financial performance [364]. - The availability and cost of reinsurance are critical factors for the company's operations [364].

Exhibit 99.1 FOR IMMEDIATE RELEASE Contacts: Nick Nottoli Allister Gobin Media Relations Investor Relations mediateam@allstate.com (847) 402-2800 Allstate Reports Third Quarter 2025 Results Transformative Growth execution results in strong operating results NORTHBROOK, Ill., November 5, 2025 – The Allstate Corporation (NYSE: ALL) today reported financial results for the third quarter of 2025. "Allstate delivered excellent operating results in the third quarter," said Tom Wilson, who leads The Allstate Corpo ...

Core Insights - The Allstate Corporation (ALL) is set to release its third-quarter 2025 results on November 5, with earnings estimated at $8.20 per share, more than double the prior-year quarter's figure [1][5] - The revenue consensus estimate stands at $17.4 billion, reflecting a 5.9% growth from the same quarter last year [2] Earnings Estimates and Revisions - The third-quarter earnings estimate has seen four upward revisions in the last 30 days, with no downward movements [2] - Allstate has an Earnings ESP of 0.00% and currently holds a Zacks Rank of 3 (Hold) [4] Historical Performance - Allstate has consistently beaten earnings estimates in the past four quarters, with an average surprise of 57.67% [3] Revenue Drivers - Revenue growth is expected to be driven by improved net premiums earned due to higher policies in force, with net earned premiums projected to grow 8.3% year over year to $15.5 billion [5][6] - The Property-Liability segment is anticipated to benefit from higher earned premiums, with a consensus estimate of $14.8 billion, indicating a 7.8% increase from the previous year [7] Investment Income - Net investment income is expected to rise to $832 million, marking a 6.3% improvement from the prior-year quarter [6] Underwriting Challenges - Catastrophe losses are projected to impact underwriting results, with management forecasting pre-tax catastrophe losses of $558 million for the quarter [8] - Claims expenses are expected to increase by 2.7% year over year to $10.7 billion, which may pressure overall margins [10] Segment Performance - The Protection Services segment is expected to see revenue growth, with estimates pegged at $899 million, reflecting an 8.1% increase from the prior-year quarter [9]

据新浪财经ESG评级中心，2025年10月30日，好事达（ALL.US）MSCI（明晟）ESG评级由A调升至 AA。 来源：ESG评级中心 点击查看更多企业ESG评级。 ...

Core Viewpoint - Allstate's stock has underperformed recently, returning -9.8% over the past month compared to the S&P 500's +3.6% and the Zacks Insurance - Property and Casualty industry's -5.2% [1] Earnings Estimate Revisions - Allstate is expected to post earnings of $6.73 per share for the current quarter, reflecting a year-over-year increase of +72.1% and a +7.2% change in the Zacks Consensus Estimate over the last 30 days [4] - The consensus earnings estimate for the current fiscal year is $23.35, indicating a year-over-year change of +27.5% and an +8% change over the last 30 days [4] - For the next fiscal year, the consensus earnings estimate is $22.84, showing a decrease of -2.2% from the previous year, with a +0.1% change over the past month [5] - Allstate holds a Zacks Rank 3 (Hold), influenced by recent changes in earnings estimates and other related factors [6] Revenue Growth Forecast - The consensus sales estimate for the current quarter is $17.35 billion, indicating a year-over-year change of +5.9% [10] - For the current fiscal year, the revenue estimate is $69.01 billion, reflecting a +7.3% change, while the next fiscal year's estimate is $72.58 billion, indicating a +5.2% change [10] Last Reported Results and Surprise History - In the last reported quarter, Allstate generated revenues of $16.78 billion, a year-over-year increase of +6.1%, with an EPS of $5.94 compared to $1.61 a year ago [11] - The reported revenues were -2.91% below the Zacks Consensus Estimate, while the EPS exceeded estimates by +78.92% [11] - Allstate has beaten consensus EPS estimates in each of the last four quarters but has only topped revenue estimates once during this period [12] Valuation - Allstate is graded A in the Zacks Value Style Score, indicating it is trading at a discount compared to its peers [16]

Core Points - The Trust in Practice Awards were launched by Allstate and the Aspen Institute to enhance community relationships and build trust across America [1][2] - Allstate has committed up to $5 million in grants to support community organizations focused on civic engagement and intergenerational participation [1][2] Group 1: Importance of Trust - Trust is essential for community health, with only 41% of Americans currently expressing trust in one another, reflecting a broader decline over the past three decades [6] - Individuals who trust others are significantly more likely to assist friends and neighbors, fostering a culture of mutual aid [6] - 74% of Americans feel optimistic about their community's future, indicating potential for rebuilding trust [6] Group 2: Trust in Practice Awards Overview - The awards support non-profit organizations working on initiatives to build trust within local or virtual communities [3] - Grantees will join a national network focused on fostering trust through the Alliance for Social Trust's programs [3] - Award recipients will participate in the annual Trust in Practice Summit to celebrate trust-building efforts [3] Group 3: Application and Selection Criteria - Applications must include a lead partner non-profit collaborating with at least two other organizations to promote intergenerational volunteering [7] - Grants will be awarded based on community trust impact, leadership strength, execution capabilities, and potential for extending learnings [7] - Selected organizations will receive a minimum grant of $100,000 [7] Group 4: Organizational Background - Allstate Corporation provides protection for various aspects of life, with over 208 million policies in force [8] - The Aspen Institute is a global nonprofit focused on igniting human potential and addressing societal challenges [9] - The Alliance for Social Trust aims to enhance social trust in the U.S. by connecting community organizations and national institutions [10]

Core Insights - Identity theft is increasing earlier than expected, with a significant rise in fraudulent account activity observed in October, surpassing the typical peak months of November and December [2][5] - Allstate reported preventing over $9 million in potential losses from fraud applications and new account scams in October 2024, with fraud applications constituting nearly 70% of all cases [3][7] - New account fraud is identified as the most financially damaging type of fraud, with estimated losses exceeding $7.3 million [3][7] Fraud Trends - A seasonal spike in employment-related scams is noted, targeting job seekers through fake postings and payroll schemes [4] - Scammers are adapting their tactics to exploit consumer urgency during peak shopping periods, particularly in October [5] - The overall volume of scam activity is expected to remain high in November and December, with increasing financial stakes as the holiday season approaches [5] Types of Scams - Aggressive scams targeting holiday shoppers include fake online retail stores, TikTok Shop scams, phishing attacks, and package delivery scams [8] - Risks associated with third-party platforms and secondhand marketplaces are highlighted, including less stringent seller verification and compromised payment security [9] Protective Measures - Allstate offers tools like Allstate Digital Footprint to help consumers stay ahead of scams, with identity restoration specialists available to assist victims [10] - Recommendations for safe online shopping include using credit cards, tracking purchases, and being cautious of suspicious deals [6]