Allstate reported its fourth quarter (Q4) and full year (FY) 2025 financial results, posting total revenues of USD 17.35 billion for Q4 and USD 67.69 billion for FY 2025. Net income attributable to common shareholders was USD 3.80 billion for Q4 and USD 10.17 billion for the full year. Diluted net income per common share reached USD 14.37 in Q4 and USD 38.06 for FY 2025. Adjusted net income was USD 3.79 billion for Q4 and USD 9.30 billion for the year, or USD 14.31 and USD 34.83 per diluted share, respectively. During the period, Allstate improved affordability in its auto and homeowners insurance products, implementing customer renewal processes and launching Affordable, Simple, Connected (ASC) products. The company expanded direct purchase options and enhanced claims processes, contributing to operational improvements such as a reduced adjusted expense ratio. Property-Liability segment results for FY 2025 showed premiums earned in auto insurance increased by 4.4 percent and in homeowners insurance by 2.3 percent. Policies in force grew by 15.0 percent for auto insurance and 2.5 percent for homeowners insurance. Allstate highlighted the impact of its Transformative Growth initiatives on its results, reporting increased growth in Property-Liability policies in force and higher cash returns to shareholders. The company noted that actions to improve affordability had a manageable impact on auto insurance earned premium.

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