AllstateWBO:ALLS +0.14%63 Debt-to-EBITDA is 0.57 as of Mar. 2026, which is 49% below its 10-year median of 1.11. GuruFocus rates WBO:ALLS with a GF Score™ of 63/100 and a GF Value™ of €173.57 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 322 Insurance companies, Allstate ranks better than 72.98% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Allstate's Debt-to-EBITDA or its related term are showing as below:
WBO:ALLS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -12.29 Med: 1.11 Max: 10.81
Current: 0.46
During the past 13 years, the highest Debt-to-EBITDA Ratio of Allstate was 10.81. The lowest was -12.29. And the median was 1.11.
WBO:ALLS's Debt-to-EBITDA is ranked better than 72.98% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs WBO:ALLS: 0.46
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Allstate Debt-to-EBITDA Related Terms
Allstate Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Allstate's Debt-to-EBITDA 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.
WBO:ALLS vs TRV, CINF, WRB: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Allstate's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Allstate's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Allstate's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Allstate (WBO:ALLS) has a Debt-to-EBITDA of 0.57 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Allstate. This is 49% below median its historical median of 1.11. According to the industry distribution chart, Allstate ranks #87 out of 322 companies in the Insurance industry, placing it in the top 27%.
Is Allstate's Debt-to-EBITDA too high?
Allstate's current Debt-to-EBITDA of 0.57 is 49% below median its 10-year median of 1.11. The Insurance industry median Debt-to-EBITDA is 1.19. Allstate's value of 0.57 is 51.9% below this industry median. Based on the distribution chart, Allstate ranks #87 out of 322 companies in the Insurance industry, which is above the industry midpoint. Overall, Allstate has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Allstate's Debt-to-EBITDA compare to TRV and CINF?
According to the Insurance industry distribution chart, Allstate ranks #87 out of 322 companies for Debt-to-EBITDA. This puts Allstate in the upper half of its industry. The industry median Debt-to-EBITDA is 1.19. Allstate's value of 0.57 is 51.9% below this benchmark. While the company's 10-year median is 1.11 vs. the industry median of 1.19, Allstate has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Allstate's current Debt-to-EBITDA of 0.57 is 51.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Allstate. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allstate's current Debt-to-EBITDA is 0.57, which is 49% below median its own 10-year median of 1.11. 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 (WBO:ALLS) is currently considered Modestly Overvalued. The stock's GF Value™ is €173.57, compared to a current price of €218.90 — trading 26.1% above its estimated fair value. The current Debt-to-EBITDA is 0.57, which is 49% below median its 10-year median of 1.11 and 51.9% below the Insurance industry median of 1.19. Allstate's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Allstate (WBO:ALLS), the current Debt-to-EBITDA is 0.57 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 (WBO:ALLS) Overvalued in 2026?
Based on GuruFocus' analysis, Allstate stock appears to be overvalued.
The current stock price of €218.90 is trading 26.1% above its estimated GF Value™ of €173.57.
GuruFocus considers Allstate to be Modestly Overvalued.
Key valuation signals for WBO:ALLS:
Debt-to-EBITDA: 0.57 (49% below median its 10-year median of 1.11)
GF Value™: €173.57 vs. price of €218.90 (26.1% above fair value)
Industry Position: 51.9% below the Insurance median (#87 of 322)
No single metric tells the full story. See the WBO:ALLS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
63GF Score
Get the complete analysis for WBO:ALLS
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