AllstateHAM:ALS +2.55%75 FCF Margin % is 21.03% as of Mar. 2026, which is 95% above its 10-year median of 10.81. GuruFocus rates HAM:ALS with a GF Score™ of 75/100 and a GF Value™ of €173.49 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 502 Insurance companies, Allstate ranks better than 68.53% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Allstate's Free Cash Flow for the
three
months ended in Mar. 2026 was €3,047 Mil. Allstate's Revenue for the
three
months ended in Mar. 2026 was €14,490 Mil. Therefore, Allstate's FCF Margin % for the quarter that ended in Mar. 2026 was 21.03%.
The historical rank and industry rank for Allstate's FCF Margin % or its related term are showing as below:
HAM:ALS'
s FCF Margin % Range Over the Past 10 Years
Min: 7 Med: 10.81 Max: 17.06
Current: 17.06
During the past 13 years, the highest FCF Margin % of Allstate was 17.06%. The lowest was 7.00%. And the median was 10.81%.
HAM:ALS's FCF Margin % is ranked better than 68.53% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs HAM:ALS: 17.06
Allstate FCF Margin % Related Terms
Allstate FCF Margin % Historical Data
* Premium members only.
The historical data trend for Allstate's FCF Margin % 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.
HAM:ALS vs TRV, CINF, WRB: FCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, Allstate's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allstate's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Allstate's FCF Margin % 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.
Allstate (HAM:ALS) has a FCF Margin % of 21.03% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Allstate and its competitors. This is 95% above median its historical median of 10.81. Over the past decade, Allstate's FCF Margin % has ranged from 7.00 to 17.06. According to the industry distribution chart, Allstate ranks #158 out of 502 companies in the Insurance industry, placing it in the top 31.5%.
Is Allstate's FCF Margin % too high?
Allstate's current FCF Margin % of 21.03% is 95% above median its 10-year median of 10.81. Over the past 10 years, this metric has ranged from a low of 7.00 to a high of 17.06. The Insurance industry median FCF Margin % is 9.63. Allstate's value of 21.03% is 118.4% above this industry median. Based on the distribution chart, Allstate ranks #158 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, Allstate has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Allstate's FCF Margin % compare to TRV and CINF?
According to the Insurance industry distribution chart, Allstate ranks #158 out of 502 companies for FCF Margin %. This puts Allstate in the upper half of its industry. The industry median FCF Margin % is 9.63. Allstate's value of 21.03% is 118.4% above this benchmark. Historically, Allstate's own FCF Margin % has ranged from 7.00 to 17.06 over the past decade. While the company's 10-year median is 10.81 vs. the industry median of 9.63, Allstate has consistently been above 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Allstate's current FCF Margin % of 21.03% is 118.4% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Allstate and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allstate's current FCF Margin % is 21.03%, which is 95% above median its own 10-year median of 10.81. 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 (HAM:ALS) is currently considered Modestly Overvalued. The stock's GF Value™ is €173.49, compared to a current price of €201.20 — trading 16% above its estimated fair value. The current FCF Margin % is 21.03%, which is 95% above median its 10-year median of 10.81 and 118.4% above the Insurance industry median of 9.63. Allstate's overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Allstate (HAM:ALS), the current FCF Margin % is 21.03% 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 (HAM:ALS) Overvalued in 2026?
Based on GuruFocus' analysis, Allstate stock appears to be overvalued.
The current stock price of €201.20 is trading 16% above its estimated GF Value™ of €173.49.
GuruFocus considers Allstate to be Modestly Overvalued.
Key valuation signals for HAM:ALS:
FCF Margin %: 21.03% (95% above median its 10-year median of 10.81)
GF Value™: €173.49 vs. price of €201.20 (16% above fair value)
Industry Position: 118.4% above the Insurance median (#158 of 502)
No single metric tells the full story. See the HAM:ALS 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.
75GF Score
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