Allstate Corporation (NYSE: ALL ) has consistently been beating sell-side estimates with shares rising considerably over the last few years. As a major player in the personal property and casualty insurance market, the company has been underwriting profitably in the auto insurance Analyst's Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses ...

Key Takeaways Privately held State Farm, the largest property insurance provider in the state, has told customers to file claims when safe to do so. However, many likely won't be able to because last year the insurer didn't renew policies for some 30,000 homeowners and renters, and 42,000 commercial apartments. Do you have a news tip for Investopedia reporters? Please email us at tips@investopedia.com Insurance company shares dropped as the massive wildfires in California are now estimated to have caused $1 ...

Investors are closely monitoring insurance stocks as losses from the devastating California wildfires that erupted on Jan. 7 continue to rise. The fires have ravaged neighborhoods in Pacific Palisades, Altadena and Pasadena, destroying thousands of structures and displacing residents.Tragically, lives have also been lost. Wildfire risk is a major factor in the state's struggle to keep homeowner's insurance coverage affordable.Fueled by strong, dry Santa Ana winds, the wildfires intensified in Southern Calif ...

Looking for a stock that has been consistently beating earnings estimates and might be well positioned to keep the streak alive in its next quarterly report? Allstate (ALL) , which belongs to the Zacks Insurance - Property and Casualty industry, could be a great candidate to consider.This insurer has seen a nice streak of beating earnings estimates, especially when looking at the previous two reports. The average surprise for the last two quarters was 232.80%.For the most recent quarter, Allstate was expect ...

Property and casualty insurer, The Allstate Corporation (ALL) , is trading comparatively cheap at the moment from a valuation standpoint. Its forward earnings multiple of 11.78X is lower than the property and casualty insurance industry average of 27.56X. The stock also looks attractively valued relative to other insurers like The Progressive Corporation (PGR) and The Travelers Companies, Inc. (TRV) , with forward 12-month P/E of 17.81X and 12.78X, respectively. Allstate now has a Value Score of B. Image So ...

股价表现 - 公司股价在过去一年上涨39.8% 远超行业27.6%的涨幅 [2] - 公司股价表现优于同行Aflac Incorporated (AFL) 26.2% Aon plc (AON) 24.9% American International Group, Inc. (AIG) 8.1% [2] - 公司股价表现优于标普500指数27.2%的涨幅 [2] 财务预测 - 2024年调整后每股收益预计为16.27美元 较去年同期的95美分大幅增长 [4] - 2025年调整后每股收益预计增长17.8% [4] - 2024年和2025年收入预计分别增长12.1%和7.1% [4] - 过去四个季度公司均超出盈利预期 平均超出幅度达135.2% [4] 估值与评级 - 公司当前市盈率为10.23倍 远低于行业平均的27.94倍 显示估值偏低 [7] - 公司获得Zacks Rank 1 (Strong Buy)评级 [6] 增长驱动因素 - 公司净保费收入2021年增长13.9% 2022年增长8.7% 2023年增长10.4% 2024年前九个月增长11.5% [9][10] - 预计2024年净保费收入增长11.3% [10] - 公司通过战略收购 产品改进 聚焦高回报业务推动增长 [10] - 公司计划通过小幅提价 识别捆绑机会 主动保护审查来改善客户留存和获取新业务 [10] 战略举措 - 公司积极剥离非核心业务以提升盈利能力 计划在2025年中前出售Employer Voluntary Benefits业务 并考虑出售Individual和Group Health业务 [11] - 公司实施成本削减措施以提高效率 改善承保结果 并将节省的资金再投资于技术和产品开发 [11] - 公司利用AI改善客户体验 减少客户解决问题的努力 [11] - 公司通过增强产品供应和分销扩大嵌入式保护计划 [11] 现金流与股东回报 - 2024年前九个月公司经营现金流翻倍 [12] - 同期公司向普通股股东支付了7.19亿美元股息 [12] - 公司当前股息收益率为1.9% 显著高于行业平均的0.3% [12]

经济与行业展望 - 2024年美联储将GDP增长预测从2%上调至2.5% 预计2025年和2026年全球实际GDP增长分别为2.8%和2.7% 长期GDP增长预计放缓至1.8% [2] - 2025年和2026年全球保险保费实际增长预计为2.6% 高于2019-2023年的1.6% 主要驱动因素包括经济稳步增长、劳动力市场活跃、实际收入上升以及长期利率支持投资收益率 [3] - 2024年全球个人年金销售额预计超过4000亿美元 人寿和非人寿（包括健康）保费分别占总保费的43%和57% [28] 保险行业表现 - 2024年第三季度零售个人寿险新年度保费增长6%至39亿美元 2024年新保费同比增长1%至116亿美元 预计2024年将成为新保费连续第四年创纪录 2025年寿险销售预计增长 [4] - 2024年全球自然灾害保险损失估计超过1350亿美元 其中飓风、严重雷暴和洪水导致的保险损失总计1440亿美元 同比增长16% 经济损失总计3200亿美元 [5][29] - 2024年第三季度全球商业保险费率下降1% 财产费率下降2% 而责任费率上升6% [26] 技术与创新 - 保险公司大量投资于区块链、人工智能、高级分析、远程信息处理、云计算、聊天机器人和机器人顾问等技术 预计到2032年全球AI相关保险年保费将达到47亿美元 年复合增长率接近80% [7] - 数字化加速和利率环境改善预计将为保险行业提供支持 [8] 公司表现与前景 - Mercury General Corporation 2025年每股收益和收入预计同比增长8.6%和9.1% 过去一年股价上涨81.6% [18] - The Allstate Corporation 2025年每股收益和收入预计同比增长17.7%和7.1% 过去一年股价上涨39.8% [35] - CNO Financial Group 2025年每股收益和收入预计同比增长0.6%和4.3% 过去一年股价上涨33.8% [21][36] - Primerica 2025年每股收益和收入预计同比增长7.1%和4.6% 过去一年股价上涨32.1% [38] - Unum Group 2025年每股收益和收入预计同比增长5.6%和3.9% 过去一年股价上涨62.9% [40] 行业趋势与预测 - 全球人寿保险市场预计到2035年保费将达到4.8万亿美元 占全球保险保费的43% 2025-2026年实际年复合增长率为3% [13] - 全球非人寿保费增长预计放缓 2025-2026年实际年复合增长率为-2.3% [27] - 保险公司通过并购、扩大市场份额、进入新业务领域和地理区域以及增加股息和股票回购来支持资本水平 [31] 利率与投资环境 - 美联储预计2025年将进行两次降息 美国经济预计保持稳健 无衰退 通胀预计在2027年达到2%目标 [15] - 2024年12月美联储将利率下调0.25%至4.25-4.5% 利率环境改善对保险公司尤其是长期保险公司有利 [30]

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Prudent underwriting, increasing rates in the auto business and exposure growth have helped the insurance industry perform well. Focus on increased automation, consumer-centric products and partnerships to grow the footprint bodes well for the industry. Rising interest rates resulted in strong sales for annuity businesses. These trends are expected to continue in 2025, and drive the top and bottom lines of insurance companies.The insurance industry has outperformed the Zacks S&P 500 composite and the Financ ...

On Dec 18, U.S. stock markets routed after the Fed cut the Fed fund rate by another 25 basis points but indicated just two rate cuts of 25 basis points in 2025 instead of four suggested in September. In his post-FOMC meeting, Fed Chairman Jerome Powell said, “We can therefore be more cautious as we consider further adjustments to our policy rate.”Wall Street’s volatility is likely to continue in the near future as we are approaching the end of 2024. At this juncture, it will be fruitful to invest in low-bet ...