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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Greg Peters | Raymond James | 10 | 0% |
| Jian Huang | Morgan Stanley | 10 | 10% |
| Rob Cox | Goldman Sachs | 8 | 13% |
| Mike Zaremski | BMO Capital Markets | 7 | 14% |
| Elyse Greenspan | Wells Fargo | 6 | 33% |
| Jim Bhullar | JPMorgan | 6 | 0% |
| Yaron Kinar | Mizuho Securities | 5 | 40% |
| Dave Motemaden | Evercore ISI | 5 | 20% |
| Josh Shanker | Bank of America | 5 | 20% |
| Alex Scott | Barclays | 4 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Morgan Stanley | 1 | 10 | 10% |
| Raymond James | 1 | 10 | 0% |
| Goldman Sachs | 2 | 10 | 10% |
| Wells Fargo | 2 |
| 10 |
| 20% |
| BMO Capital Markets | 2 | 9 | 11% |
| JPMorgan | 2 | 7 | 0% |
| Barclays | 2 | 6 | 0% |
| Bank of America | 1 | 5 | 20% |
Allstate delivered Q1 revenue of $16.9 billion up 3% with adjusted EPS of $10.65 as the underlying combined ratio improved 2.8 points to 80.3% and the recorded combined ratio reached 82% with underwriting income of $2.7 billion. Earned premiums grew 5.5% reflecting continued rate adequacy across the portfolio. The quarter demonstrated durable underwriting profitability as the benefits of multi-year pricing actions flowed through the book.
Competitive Dynamics | Margin | Revenue Growth | Demand | Regulation Policy | Capital Allocation | Cost Pressure | Innovation & R&D | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 4 | 4 | 3 | 3 | 2 | 2 | 1 | 1 |
| 2025Q1 | 4 | 3 | 3 | 4 | 1 | 3 | 2 | |
| 2025Q2 | 8 | 3 | 6 | 3 | 3 | 1 | 3 | 1 |
| 2025Q3 | 4 | 4 | 4 | 2 | 1 | 3 | 1 | 3 |
| 2025Q4 | 5 | 4 | 4 | 2 | 4 | 1 | 2 | 3 |
| 2026Q1 | 4 | 3 | 1 | 3 | 2 | 2 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Competitive Dynamics | 4 | 4 | 8 | 4 | 5 | 4 |
| Margin | 4 | 3 | 3 | 4 | 4 | 3 |
| Revenue Growth | 3 | 3 | 6 | 4 | 4 | |
| Demand | 3 | 4 | 3 | 2 | 2 | 1 |
| Regulation Policy | 2 | 1 | 3 | 1 | 4 | 3 |
| Capital Allocation | 2 | 3 | 1 | 3 | 1 | 2 |
| Cost Pressure | 1 | 2 | 3 | 1 | 2 | 2 |
| Innovation & R&D | 1 | 1 | 3 | 3 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
ALL Allstate | 7 | +4.2% | |
| CB Chubb Limited | 7 | +9.5% | |
| CINF Cincinnati Financial | 7 | +11.6% | |
| ERIE Erie Indemnity | 6 | +2.3% | |
| KMPR Kemper Corporation | 2 | -6.8% | |
| L Loews Corporation | 5 | +2.6% | |
| LMND Lemonade, Inc. | 9 | +55.0% | |
| MCY Mercury General Corporation | 8 | +10.5% | |
| PGR Progressive Corporation | 7 | +8.7% | |
| ROOT Root, Inc. | 8 | +12.6% | |
| TRV The Travelers Companies, Inc. | 5 | +1.0% | |
| WRB W. R. Berkley Corporation | 6 | +4.0% |