Allstate (ALL) Reports Q2 Earnings: What Key Metrics Have to Say

Core Insights - Allstate reported $16.78 billion in revenue for Q2 2025, a year-over-year increase of 6.1%, but fell short of the Zacks Consensus Estimate by 2.91% [1] - The EPS for the quarter was $5.94, significantly higher than the $1.61 reported a year ago, resulting in an EPS surprise of +78.92% compared to the consensus estimate of $3.32 [1] Financial Performance Metrics - The Property-Liability Combined Ratio was 91.1%, better than the average estimate of 97.2% [4] - The Property-Liability Loss Ratio stood at 70.3%, outperforming the average estimate of 75.2% [4] - The Property-Liability Expense Ratio was 20.8%, lower than the average estimate of 21.8% [4] - Net Premiums Earned in Property-Liability reached $14.35 billion, slightly below the average estimate of $14.55 billion, but represented a year-over-year increase of 7.6% [4] - Other Revenue in Property-Liability was reported at $504 million, exceeding the average estimate of $496.78 million, with a year-over-year increase of 14.3% [4] - Net Investment Income for Property-Liability was $687 million, below the average estimate of $742.78 million, but showed a year-over-year increase of 6.8% [4] - Accident and Health Insurance premiums and contract charges in Allstate Health and Benefits were $235 million, significantly lower than the estimated $350.91 million, reflecting a year-over-year decrease of 50.4% [4] - Corporate and Other Net Investment Income was reported at $37 million, surpassing the average estimate of $24.9 million, with a year-over-year increase of 76.2% [4] - Revenues from Property-Liability were $15.35 billion, below the average estimate of $15.76 billion, but represented a year-over-year increase of 7.2% [4] - Net Investment Income for Allstate Health and Benefits was $5 million, significantly lower than the average estimate of $19.98 million, indicating a year-over-year decrease of 80% [4] - Homeowners Net Premiums Earned were $3.77 billion, slightly below the average estimate of $3.86 billion, with a year-over-year increase of 15.9% [4] Stock Performance - Allstate shares have returned -3.1% over the past month, contrasting with the Zacks S&P 500 composite's +3.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]