Allstate (LTS:0HCZ) Cyclically Adjusted Book per Share: $83.42 (As of Mar. 2026)


LTS:0HCZ Allstate Corp LTS:0HCZ
79 GF Score
Price $249.44
GF Value $199.93
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Allstate Cyclically Adjusted Book per Share?

Allstate LTS:0HCZ 79 Cyclically Adjusted Book per Share is $83.42 as of Mar. 2026. GuruFocus rates LTS:0HCZ with a GF Score™ of 79/100 and a GF Value™ of $199.93 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Allstate's adjusted book value per share for the three months ended in Mar. 2026 was $114.841. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $83.42 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Allstate's average Cyclically Adjusted Book Growth Rate was 7.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.50% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 7.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Allstate was 10.90% per year. The lowest was 2.60% per year. And the median was 5.30% per year.

As of today (2026-07-06), Allstate's current stock price is $249.44. Allstate's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $83.42. Allstate's Cyclically Adjusted PB Ratio of today is 2.99.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Allstate was 3.00. The lowest was 1.37. And the median was 2.02.


Allstate  (LTS:0HCZ) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Allstate's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=249.44/83.42
=2.99

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Allstate was 3.00. The lowest was 1.37. And the median was 2.02.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Allstate Cyclically Adjusted Book per Share Related Terms


Allstate Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Allstate's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Allstate Cyclically Adjusted Book per Share Chart

Allstate Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 65.92 72.03 73.75 76.10 81.25

Allstate Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 77.17 77.91 79.70 81.25 83.42

LTS:0HCZ vs TRV, CINF, WRB: Cyclically Adjusted Book per Share Comparison

For the Insurance - Property & Casualty subindustry, Allstate's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Allstate Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Allstate's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Allstate's Cyclically Adjusted PB Ratio falls into.


LTS:0HCZ
79GF Score
Allstate Corp LTS:0HCZ
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Allstate Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Allstate's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=114.841/330.2130*330.2130
=114.841

Current CPI (Mar. 2026) = 330.2130.

Allstate Quarterly Data

Book Value per Share CPI Adj_Book
201606 50.693 241.018 69.453
201609 52.141 241.428 71.316
201612 51.440 241.432 70.356
201703 53.184 243.801 72.034
201706 54.723 244.955 73.770
201709 56.592 246.819 75.713
201712 58.606 246.524 78.501
201803 59.563 249.554 78.815
201806 60.066 251.989 78.712
201809 61.835 252.439 80.886
201812 58.380 251.233 76.733
201903 64.517 254.202 83.809
201906 68.341 256.143 88.103
201909 71.042 256.759 91.366
201912 74.451 256.974 95.670
202003 70.377 258.115 90.035
202006 79.995 257.797 102.466
202009 83.184 260.280 105.534
202012 92.918 260.474 117.796
202103 82.129 264.877 102.387
202106 87.699 271.696 106.587
202109 85.969 274.310 103.489
202112 82.594 278.802 97.824
202203 84.191 287.504 96.698
202206 74.165 296.311 82.650
202209 66.440 296.808 73.918
202212 59.004 296.797 65.647
202303 59.027 301.836 64.576
202306 51.588 305.109 55.833
202309 48.061 307.789 51.562
202312 60.073 306.746 64.669
202403 63.052 312.332 66.662
202406 62.869 314.175 66.078
202409 71.285 315.301 74.656
202412 73.371 315.605 76.767
202503 75.643 319.799 78.106
202506 83.480 322.561 85.460
202509 97.292 324.800 98.913
202512 109.977 324.054 112.067
202603 114.841 330.213 114.841

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $83.42 mean?
Allstate (LTS:0HCZ) has a Cyclically Adjusted Book per Share of $83.42 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Allstate and its competitors.
Is Allstate's Cyclically Adjusted Book per Share too high?
Allstate's current Cyclically Adjusted Book per Share is $83.42. Overall, Allstate has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Allstate's Cyclically Adjusted Book per Share compare to TRV and CINF?
Allstate's Cyclically Adjusted Book per Share of $83.42 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Allstate and its competitors. Allstate's current Cyclically Adjusted Book per Share is $83.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allstate stock overvalued right now?
Based on GuruFocus' analysis, Allstate (LTS:0HCZ) is currently considered Modestly Overvalued. The stock's GF Value™ is $199.93, compared to a current price of $249.44 — trading 24.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is $83.42. Allstate's overall GF Score™ is 79/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Allstate (LTS:0HCZ), the current Cyclically Adjusted Book per Share is $83.42 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Allstate (LTS:0HCZ) Overvalued in 2026?

Based on GuruFocus' analysis, Allstate stock appears to be overvalued. The current stock price of $249.44 is trading 24.8% above its estimated GF Value™ of $199.93. GuruFocus considers Allstate to be Modestly Overvalued.

Key valuation signals for LTS:0HCZ:

  • Cyclically Adjusted Book per Share: $83.42
  • GF Value™: $199.93 vs. price of $249.44 (24.8% above fair value)
  • GF Score™: 79/100 with 6 warning signs

No single metric tells the full story. See the LTS:0HCZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Allstate Business Description

Address 3100 Sanders Road, Northbrook, IL, USA, 60062
Allstate is one of the largest US property-casualty insurers in the US. Personal auto represents the largest percentage of revenue, but the company offers homeowners insurance and other insurance products. Allstate products are sold in North America primarily by about 6,000 exclusive agents.
79GF Score

Get the complete analysis for LTS:0HCZ

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$249.44
Price
$199.93
GF Value