Property and Casualty Insurance / Insurance Services
Strategic Profile
Allstate reported more than doubling its net income in 2025 to $10.2 billion (from $4.6 billion in 2024) while proactively reducing premiums for 7.8 million auto and homeowners customers by an average of 17%. The company demonstrates strong customer retention with 91% of Allstate customers reporting trust in the company, 95% planning to renew their policy, and 89% recommending the carrier to others.
Cyborg Score Rationale
Allstate achieved exceptional profitability with net income of $10.2 billion for 2025 and total revenues of $67.7 billion, demonstrating strong operational execution and market positioning. The company announced a dividend increase to $1.08 per share and a $4.0 billion share repurchase program, reflecting confidence in capital deployment and shareholder returns. Customer service excellence and prudent underwriting position the company well in competitive markets.
Top Insights
Allstate reduced premiums for 7.8 million customers by average of 17%, demonstrating disciplined underwriting and customer retention focus after a period of elevated premiums industry-wide
Property-liability combined ratio improved 14 points to 72.9 in Q4 2025, with auto insurance combined ratio improving 12.7 points to 80.8, reflecting superior underwriting results
Strong capital position supported 133% increase in dividends coupled with $4.0 billion repurchase authorization, enabling significant shareholder value return
Allstate ranked number one among national companies for digital service experience (86%) and best among national companies for discounts (68%), indicating technology leadership
Named Competitors
State Farm — Major national property-casualty competitor with strong market presence in auto and homeowners insurance
Farmers Insurance — Leading national insurer offering auto, home, and business insurance products
The Hartford — Property-casualty insurer competing in personal and commercial insurance markets
Travelers — Major property-casualty insurance provider with diverse business portfolio
Recent Developments
(February 2026) More than doubled 2025 net income to $10.2 billion and proactively reduced premiums for 7.8 million customers averaging 17% rate cuts
(February 2026) Announced dividend increase to $1.08 per share and new $4.0 billion share repurchase program following completion of $1.5 billion existing authorization
(Q4 2025) Achieved improved combined ratio of 72.9 for property-liability (14-point improvement) and 80.8 for auto insurance (12.7-point improvement) driven by higher earned premiums and lower catastrophe losses
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