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Sentiment · FY2026 Q2
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Bob Huang | Morgan Stanley | 12 (25%) |
| Greg Peters | Raymond James | 12 (0%) |
| Rob Cox | Goldman Sachs | 10 (30%) |
| Elyse Greenspan | Wells Fargo | 8 (38%) |
| Mike Zaremski | BMO Capital Markets | 7 (14%) |
| Jimmy Bhullar | JPMorgan | 6 (0%) |
| Josh Shanker | Bank of America | 6 (33%) |
| Alex Scott | Barclays | 6 (33%) |
| Yaron Kinar | Mizuho Securities | 5 (40%) |
| Dave Motemaden | Evercore ISI | 5 (20%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Morgan Stanley | 1 | 12 (25%) |
| Raymond James | 1 | 12 (0%) |
| Goldman Sachs | 2 | 12 (25%) |
| Wells Fargo | 3 |
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $16.34B | +10.6% | $7.07 | +26.9% | 15.0% | 11.8% |
| FY2025 Q1 | $16.26B | +8.0% | $2.11 | -52.6% | 4.4% | 3.7% |
| FY2025 Q2 | $16.55B | +5.9% | $7.76 | +586.7% | 16.3% | 12.7% |
| FY2025 Q3 |
| 12 (33%) |
| JPMorgan | 2 | 9 (0%) |
| BMO Capital Markets | 2 | 9 (11%) |
| Bank of America | 1 | 6 (33%) |
| Barclays | 1 | 6 (33%) |
| $17.06B |
| +3.4% |
| $13.95 |
| +222.2% |
| 28.2% |
| 22.0% |
| FY2025 Q4 | $16.59B | +1.5% | $14.37 | +103.3% | 29.6% | 23.1% |
| FY2026 Q1 | $16.94B | +4.2% | $9.25 | +337.7% | 18.9% | 14.5% |
| FY2026 Q2 | $18.60B | +12.4% | $12.51 | +61.2% | 22.3% | 17.6% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
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 | Pricing | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 4 | 4 | 3 | 3 | 2 | 2 | 1 | 1 |
| 2025Q1 | 4 | 3 | 3 | 4 | 1 | 3 | 2 | 2 |
| 2025Q2 | 8 | 3 | 6 | 3 | 3 | 1 | 3 | |
| 2025Q3 | 4 | 4 | 4 | 2 | 1 | 3 | 1 | 2 |
| 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 |
| Pricing | 1 | 2 | 2 | 3 | 1 |
What ALL and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“you end up in a system period where we spend more, progressive spends more. So leads go up in costs, so we spend more. So they spend more.”
Allstate describes competitive advertising-spend dynamics with Progressive, noting it stays disciplined to avoid an escalating ad-spend cycle with its main auto competitor.
| 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% | |
| FACO First Acceptance Corporation | 5 | -5.4% | |
| 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% |