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Allstate Corp
ALL : NYSE : Financial
$70.21 -0.34 | -0.48%
Today's Range: 69.98 - 70.54
Avg. Daily Volume: 2,394,900
03/26/15 - 3:59 PM ET

Financial Analysis


ALLSTATE CORP's gross profit margin for the fourth quarter of its fiscal year 2014 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 3.83% from the same quarter last year.

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Income Statement Q4 FY14 Q4 FY13
Net Sales ($mil)8704.08670.0
EBITDA ($mil)0.00.0
EBIT ($mil)1262.01265.0
Net Income ($mil)824.0821.0


Balance Sheet Q4 FY14 Q4 FY13
Cash & Equiv. ($mil)6790.05767.0
Total Assets ($mil)108533.0123520.0
Total Debt ($mil)5205.06239.0
Equity ($mil)22304.021480.0


Profitability Q4 FY14 Q4 FY13
Gross Profit Margin14.514.59
EBITDA Margin0.00.0
Operating Margin14.514.59
Sales Turnover0.320.28
Return on Assets2.621.84
Return on Equity12.3110.53
Debt Q4 FY14 Q4 FY13
Current Ratio0.00.0
Debt/Capital0.190.23
Interest Expense73.087.0
Interest Coverage17.2914.54


Share Data Q4 FY14 Q4 FY13
Shares outstanding (mil)418.0449.0
Div / share0.280.25
EPS1.861.76
Book value / share53.3647.84
Institutional Own % n/a n/a
Avg Daily Volume2325424.02356348.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 15.33 for the Insurance industry and a discount compared to the S&P 500 average of 19.72. For additional comparison, its price-to-book ratio of 1.32 indicates a discount versus the S&P 500 average of 2.78 and a discount versus the industry average of 1.63. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, ALLSTATE CORP proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
ALL 11.22 Peers 15.33   ALL 9.12 Peers 10.45

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

ALL is trading at a significant discount to its peers.

 

Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

ALL is trading at a discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
ALL 11.30 Peers 13.81   ALL NM Peers 1.11

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

ALL is trading at a discount to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

ALL's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
ALL 1.32 Peers 1.63   ALL 30.76 Peers 28.19

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

ALL is trading at a discount to its peers.

 

Average. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

ALL is expected to keep pace with its peers on the basis of earnings growth.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
ALL 0.85 Peers 1.24   ALL 1.93 Peers 14.85

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

ALL is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

ALL significantly trails its peers on the basis of sales growth

 

 

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