Profitability
Weight: 25%
A+
100
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 1.1%
ALL
The Allstate Corporation
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.
Capital Efficiency
Weight: 15%
B
75
- 5yr Avg ROE 10.7%
- 5yr Share-Count CAGR -3.5%
Growth Quality
Weight: 10%
A-
84
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 9.2%
- 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-
50
- EPS Volatility (σ/μ) 0.73
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 1 added; 3 trimmed; 1 full exit.
- Holders
- 4
- Avg Δ position
- -35.6%
- New buys
- 0
- Full exits
- 1