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ALL-PH The Allstate Corporation
Banks, Insurers & Asset Managers
F 30.0 / 100 pillar composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.

Grade overrides the 30.0 pillar composite — hard gates always win.

Profitability

Weight: 25%
A+ 100

Scored using loss ratio — insurer-archetype substitution.

  • Loss Ratio 1.1%

Capital Efficiency

Weight: 15%
B 75
  • 5yr Avg ROE 10.7%
  • 5yr Share-Count CAGR -3.5%

Growth Quality

Weight: 10%
A- 85

Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.

  • 5yr Revenue CAGR (fallback) 9.8%
  • Revenue-Growth Years (5) 5/5

Cash Generation

Weight: 15%
A+ 100

Scored using reserve development and loss-ratio stability — insurer-archetype substitution.

  • Reserve Development 2.9%

Balance Sheet

Weight: 25%
A+ 95

Scored using premiums-to-surplus — insurer-archetype substitution.

  • Premiums / Surplus 2.01x
  • Interest Coverage (EBIT/Int) 33.97x

Stability

Weight: 10%
C- 48
  • EPS Volatility (σ/μ) 0.83
  • Negative-Revenue Years (5) 0/5
  • Piotroski F-Score 6

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.