Allstate (ALL) Q3 2025 10-Q Quarterly Report
Allstate (ALL) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 5, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Allstate Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Revenue $17.26B in Q3 2025, up 3.8% YoY from $16.63B, driven by higher auto and homeowners policies and premium rate increases
- • Operating margin (combined ratio) for Property-Liability improved to 80.1% in Q3 2025 from 96.4% in Q3 2024; loss ratio 58.3% vs 74.9% YoY
- • Best performing segment: Allstate Protection underwriting income $3.04B in Q3 2025 vs $555M YoY; Worst: Protection Services adjusted net income down 20.7% to $46M
- • Investments increased to $82.33B from $72.61B; shareholders’ equity rose to $27.51B from $21.44B Dec 2024; net investment income up 21.2% to $949M Q3
- • Management notes macro risks from tariffs impacting claims costs and premiums; maintains growth strategy focusing on property-liability market share and protection services expansion
Risk Factors
- • No new or changed risk factors from 2024 Form 10-K per Item 1A statement
- • Carried-forward legal risk: ongoing litigation exposure affecting claim reserves
- • Market risk: competitive insurance pricing pressure impacting underwriting margins
- • Operational risk: technology system disruptions potential to delay claims processing
- • Financial risk: reserve adequacy critical for claim payments, sensitive to catastrophe losses
Allstate Q3 2025 Quarterly FinancialsXBRL
Revenue
$17.3B
▲ +3.8% YoY▲ +3.7% QoQ
Net Income
$3.7B
▲ +214.8% YoY▲ +77.6% QoQ
Net Margin
21.7%
▲ +1455bp YoY▲ +903bp QoQ
Source: XBRL data from Allstate Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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