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Financial Services - Insurance - Property & Casualty - NYSE - US
$ 22.29
1.64 %
$ 50.6 B
Market Cap
3.48
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ALL-PH stock under the worst case scenario is HIDDEN Compared to the current market price of 22.3 USD, The Allstate Corporation is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ALL-PH stock under the base case scenario is HIDDEN Compared to the current market price of 22.3 USD, The Allstate Corporation is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ALL-PH stock under the best case scenario is HIDDEN Compared to the current market price of 22.3 USD, The Allstate Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
57.1 B REVENUE
11.05%
0 OPERATING INCOME
100.00%
-213 M NET INCOME
84.38%
4.23 B OPERATING CASH FLOW
-17.44%
-3 B INVESTING CASH FLOW
-73.55%
-1.24 B FINANCING CASH FLOW
63.65%
16.6 B REVENUE
5.81%
1.55 B OPERATING INCOME
186.51%
1.16 B NET INCOME
251.66%
3.2 B OPERATING CASH FLOW
35.69%
-2.68 B INVESTING CASH FLOW
-6.38%
-185 M FINANCING CASH FLOW
-115.12%
Balance Sheet The Allstate Corporation
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Current Assets 722 M
Cash & Short-Term Investments 722 M
Receivables 0
Other Current Assets 0
Non-Current Assets 70.1 B
Long-Term Investments 64.8 B
PP&E 859 M
Other Non-Current Assets 4.47 B
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 85.7 B
Long-Term Debt 7.59 B
Other Non-Current Liabilities 78.1 B
EFFICIENCY
Earnings Waterfall The Allstate Corporation
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Revenue 57.1 B
Cost Of Revenue 7.14 B
Gross Profit 50 B
Operating Expenses 57.1 B
Operating Income 0
Other Expenses 213 M
Net Income -213 M
RATIOS
87.50% GROSS MARGIN
87.50%
0.00% OPERATING MARGIN
0.00%
-0.33% NET MARGIN
-0.33%
-1.06% ROE
-1.06%
-0.18% ROA
-0.18%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis The Allstate Corporation
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Net Income -213 M
Depreciation & Amortization 704 M
Capital Expenditures -267 M
Stock-Based Compensation 0
Change in Working Capital 3.43 B
Others 3.74 B
Free Cash Flow 3.96 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets The Allstate Corporation
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ALL-PH has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.54% DIVIDEND YIELD
0.319 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership The Allstate Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 year ago
Nov 27, 2023
Sell 642 K USD
Pintozzi John C
SVP, Controller, and CAO
- 4662
137.701 USD
1 year ago
Nov 21, 2023
Sell 1.48 M USD
Prindiville Mark Q
- 10951
135.4262 USD
1 year ago
Nov 20, 2023
Sell 539 K USD
Pintozzi John C
SVP, Controller, and CAO
- 4000
134.7899 USD
1 year ago
Aug 03, 2023
Sell 174 K USD
SPRIESER JUDITH A
Director
- 1565
111.22 USD
1 year ago
Feb 22, 2023
Sell 3.95 M USD
Merten Jesse E
EVP & Chief Financial Officer
- 29451
134.175 USD
1 year ago
Feb 22, 2023
Sell 3.95 M USD
Merten Jesse E
EVP & Chief Financial Officer
- 29451
134.175 USD
2 years ago
Jan 03, 2023
Sell 2.77 M USD
Gupta Suren
Director
- 20241
137 USD
2 years ago
Dec 21, 2022
Sell 2.71 M USD
Gupta Suren
Director
- 20000
135.5 USD
2 years ago
Sep 08, 2022
Sell 694 K USD
Prindiville Mark Q
- 5511
125.933 USD
2 years ago
Feb 18, 2022
Sell 929 K USD
Merten Jesse E
Director
- 7450
124.729 USD
2 years ago
Feb 18, 2022
Sell 148 K USD
Shapiro Glenn T
- 1200
123.26 USD
2 years ago
Feb 18, 2022
Sell 2.97 M USD
Shapiro Glenn T
- 23858
124.42 USD
2 years ago
Feb 18, 2022
Sell 3.89 M USD
Shapiro Glenn T
- 31077
125.22 USD
2 years ago
Feb 18, 2022
Sell 965 K USD
Shapiro Glenn T
- 7666
125.82 USD
3 years ago
Jun 21, 2021
Sell 1.92 M USD
Merten Jesse E
- 15000
127.838 USD
3 years ago
May 21, 2021
Sell 962 K USD
Shapiro Glenn T
- 7000
137.446 USD
3 years ago
May 10, 2021
Sell 8.47 M USD
Gupta Suren
- 62657
135.227 USD
3 years ago
Mar 01, 2021
Sell 1.97 M USD
Shapiro Glenn T
- 18000
109.18 USD
3 years ago
Mar 01, 2021
Sell 882 K USD
Merten Jesse E
- 8000
110.22 USD
4 years ago
Jun 05, 2020
Sell 1.52 M USD
Shapiro Glenn T
- 14378
105.62 USD
4 years ago
May 07, 2020
Sell 767 K USD
Shapiro Glenn T
- 7397
103.65 USD
4 years ago
May 07, 2020
Sell 1.91 M USD
Merten Jesse E
- 18622
102.75 USD
5 years ago
Aug 06, 2019
Sell 92 K USD
Merten Jesse E
- 900
102.27 USD
5 years ago
Aug 02, 2019
Sell 1.02 M USD
FORTIN MARY JANE
- 9773
104.21 USD
5 years ago
Aug 02, 2019
Sell 10.2 M USD
CIVGIN DON
- 97625
104.08 USD
5 years ago
Aug 02, 2019
Sell 17.1 M USD
CIVGIN DON
- 163771
104.53 USD
5 years ago
Jun 25, 2019
Sell 2.28 M USD
Shapiro Glenn T
- 22289
102.22 USD
6 years ago
Nov 07, 2018
Sell 64.1 K USD
Merten Jesse E
- 696
92.124 USD
6 years ago
Sep 13, 2018
Sell 1.04 M USD
Harty Harriet K
- 10515
98.87 USD
7 years ago
Nov 10, 2017
Sell 7.48 M USD
Gupta Suren
- 75692
98.77 USD
7 years ago
Nov 10, 2017
Sell 2.71 M USD
Gupta Suren
- 27550
98.44 USD
7 years ago
Jun 30, 2017
Sell 639 K USD
Harty Harriet K
- 7228
88.354 USD
7 years ago
Jun 16, 2017
Sell 1.5 M USD
Gupta Sanjay
- 16578
90.74 USD
7 years ago
May 25, 2017
Sell 1.44 M USD
Gupta Sanjay
- 16798
86 USD
7 years ago
Feb 24, 2017
Sell 798 K USD
Harty Harriet K
- 9924
80.46 USD
7 years ago
Feb 13, 2017
Sell 1.08 M USD
Gupta Sanjay
- 13707
78.95 USD
8 years ago
Jan 03, 2017
Sell 2.72 M USD
Gupta Sanjay
- 36744
74 USD
8 years ago
Dec 13, 2016
Sell 3.37 M USD
Gupta Suren
- 46297
72.69 USD
8 years ago
Nov 18, 2016
Sell 658 K USD
Gupta Sanjay
- 9137
72 USD
8 years ago
Jul 11, 2016
Sell 640 K USD
Gupta Sanjay
- 9137
70 USD
8 years ago
Jul 11, 2016
Sell 1.83 M USD
Winter Matthew E
- 26150
70 USD
8 years ago
May 06, 2016
Sell 14.3 M USD
CIVGIN DON
- 214412
66.92 USD
8 years ago
Feb 19, 2016
Sell 385 K USD
Greffin Judith P
- 6000
64.1 USD
8 years ago
Feb 17, 2016
Sell 942 K USD
Gupta Suren
- 14500
65 USD
8 years ago
Feb 09, 2016
Sell 54 K USD
Harty Harriet K
- 856
63.08 USD
8 years ago
Feb 08, 2016
Sell 1.26 M USD
Greffin Judith P
- 20000
63.1 USD
9 years ago
Jun 22, 2015
Bought 665 K USD
Winter Matthew E
+ 10000
66.5 USD
9 years ago
Mar 11, 2015
Sell 696 K USD
Verney Steven C
- 10033
69.33 USD
9 years ago
Feb 11, 2015
Sell 6.85 M USD
Greffin Judith P
- 96159
71.25 USD
9 years ago
Feb 06, 2015
Sell 12.3 M USD
CIVGIN DON
- 171964
71.44 USD
9 years ago
Feb 06, 2015
Sell 4.1 M USD
Verney Steven C
- 57589
71.16 USD
9 years ago
Feb 06, 2015
Sell 8.36 K USD
Verney Steven C
- 116
72.09 USD
10 years ago
Nov 21, 2014
Sell 548 K USD
Verney Steven C
- 8095
67.65 USD
10 years ago
Nov 04, 2014
Sell 2.64 M USD
DeVries James David
- 40626
65.002 USD
10 years ago
Nov 03, 2014
Sell 609 K USD
DeVries James David
- 9374
65 USD
10 years ago
Oct 27, 2014
Sell 1.28 M USD
Verney Steven C
- 20271
63 USD
10 years ago
Aug 12, 2014
Sell 600 K USD
Verney Steven C
- 10000
60 USD
10 years ago
Aug 08, 2014
Sell 3.57 M USD
Greffin Judith P
- 60034
59.497 USD
10 years ago
Aug 01, 2014
Sell 703 K USD
Verney Steven C
- 12028
58.469 USD
10 years ago
Apr 01, 2014
Sell 2.84 M USD
DeVries James David
- 50000
56.83 USD
10 years ago
Mar 03, 2014
Sell 1.06 M USD
Winter Matthew E
- 19697
54.013 USD
10 years ago
Feb 24, 2014
Sell 796 K USD
Winter Matthew E
- 14774
53.884 USD
10 years ago
Feb 24, 2014
Sell 1.08 M USD
Greffin Judith P
- 20000
54.09 USD
10 years ago
Feb 24, 2014
Sell 1.12 M USD
Greffin Judith P
- 20714
54.218 USD
10 years ago
Feb 24, 2014
Sell 780 K USD
Winter Matthew E
- 14474
53.884 USD
10 years ago
Feb 03, 2014
Sell 251 K USD
Winter Matthew E
- 4923
51.07 USD
11 years ago
Jan 02, 2014
Sell 1.06 M USD
Winter Matthew E
- 19697
53.776 USD
11 years ago
Dec 02, 2013
Sell 1.06 M USD
Winter Matthew E
- 19697
54.042 USD
11 years ago
Nov 08, 2013
Sell 1.52 M USD
Gupta Suren
- 28288
53.65 USD
11 years ago
Nov 07, 2013
Sell 494 K USD
Gupta Suren
- 9212
53.651 USD
11 years ago
Nov 01, 2013
Sell 1.05 M USD
Winter Matthew E
- 19697
53.16 USD
11 years ago
Oct 16, 2013
Sell 786 K USD
Verney Steven C
- 14820
53.02 USD
11 years ago
Oct 01, 2013
Sell 997 K USD
Winter Matthew E
- 19697
50.604 USD
11 years ago
Sep 03, 2013
Sell 958 K USD
Winter Matthew E
- 19697
48.625 USD
11 years ago
Aug 01, 2013
Sell 334 K USD
Winter Matthew E
- 6438
51.873 USD
11 years ago
Jul 01, 2013
Sell 319 K USD
Winter Matthew E
- 6600
48.34 USD
11 years ago
Jun 03, 2013
Sell 318 K USD
Winter Matthew E
- 6593
48.24 USD
11 years ago
May 07, 2013
Sell 2.46 M USD
Greffin Judith P
- 50000
49.263 USD
11 years ago
May 07, 2013
Sell 9.93 M USD
CIVGIN DON
- 201500
49.294 USD
11 years ago
Mar 28, 2013
Sell 1.47 M USD
DeVries James David
- 30000
49 USD
11 years ago
Mar 01, 2013
Sell 302 K USD
Verney Steven C
- 6610
45.75 USD
12 years ago
Dec 07, 2012
Sell 150 K USD
Greffin Judith P
- 3614
41.462 USD
12 years ago
Dec 07, 2012
Sell 55.8 K USD
Greffin Judith P
- 1346
41.462 USD
12 years ago
Oct 18, 2012
Sell 420 K USD
Verney Steven C
- 10000
42 USD
12 years ago
Aug 10, 2012
Sell 2.23 M USD
WALKER JOAN H
- 58915
37.838 USD
12 years ago
Aug 10, 2012
Sell 539 K USD
WALKER JOAN H
- 14257
37.816 USD
12 years ago
Aug 03, 2012
Sell 480 K USD
Verney Steven C
- 12980
37 USD
12 years ago
Aug 03, 2012
Sell 370 K USD
Verney Steven C
- 10000
37 USD
12 years ago
May 04, 2012
Sell 514 K USD
WALKER JOAN H
- 15000
34.283 USD
14 years ago
Nov 18, 2010
Sell 1.12 M USD
WALKER JOAN H
- 36957
30.4 USD
14 years ago
Apr 28, 2010
Sell 33.6 USD
Sorenson Steven P
- 1
33.57 USD
14 years ago
Apr 14, 2010
Sell 1.21 M USD
BRUNE CATHERINE S
- 35937
33.7 USD
14 years ago
Apr 14, 2010
Sell 287 K USD
BRUNE CATHERINE S
- 8449
34 USD
14 years ago
Mar 03, 2010
Sell 1.04 M USD
Cripe Frederick F
- 32384
32.151 USD
15 years ago
Oct 01, 2009
Sell 154 K USD
WALKER JOAN H
- 5000
30.805 USD
16 years ago
Apr 17, 2008
Sell 500 K USD
BRUNE CATHERINE S
- 10000
50 USD
17 years ago
Jun 11, 2007
Sell 876 K USD
TRIPODI JOSEPH V
- 14389
60.8976 USD
17 years ago
Apr 13, 2007
Sell 82.7 K USD
RUEBENSON GEORGE E
- 1339
61.78 USD
17 years ago
Mar 05, 2007
Sell 78.4 K USD
BRUNE CATHERINE S
- 1323
59.25 USD
17 years ago
Feb 23, 2007
Sell 434 K USD
BRUNE CATHERINE S
- 7039
61.62 USD
17 years ago
Feb 23, 2007
Sell 521 K USD
MCNEIL RONALD D
- 8459
61.62 USD
17 years ago
Feb 23, 2007
Sell 206 K USD
RUEBENSON GEORGE E
- 3345
61.62 USD
17 years ago
Feb 23, 2007
Sell 434 K USD
BRUNE CATHERINE S
- 7039
61.62 USD
17 years ago
Feb 14, 2007
Sell 556 K USD
CROCKETT JOAN M
- 8995
61.78 USD
18 years ago
Jan 08, 2007
Sell 1.11 M USD
TRIPODI JOSEPH V
- 17000
65.013 USD
18 years ago
Dec 15, 2006
Sell 1.8 M USD
Roche Michael John
- 27500
65.45 USD
18 years ago
Dec 15, 2006
Sell 800 K USD
BRUNE CATHERINE S
- 12300
65 USD
18 years ago
Nov 28, 2006
Sell 3.39 M USD
SYLLA CASEY
- 53000
64.0429 USD
18 years ago
Nov 27, 2006
Sell 880 K USD
MCNEIL RONALD D
- 13605
64.69 USD
18 years ago
Nov 24, 2006
Sell 208 K USD
BRUNE CATHERINE S
- 3200
65 USD
18 years ago
Nov 22, 2006
Sell 12 K USD
BRUNE CATHERINE S
- 184
65 USD
18 years ago
Sep 25, 2006
Sell 1.68 M USD
CROCKETT JOAN M
- 27185
61.78 USD
18 years ago
Sep 25, 2006
Sell 506 K USD
MCNEIL RONALD D
- 8299
61 USD
18 years ago
Sep 25, 2006
Sell 362 K USD
RUEBENSON GEORGE E
- 5837
62 USD
18 years ago
Sep 25, 2006
Sell 321 K USD
BRUNE CATHERINE S
- 5176
62 USD
18 years ago
Sep 15, 2006
Sell 2.09 M USD
MCNEIL RONALD D
- 34900
60 USD
18 years ago
Sep 08, 2006
Sell 568 K USD
BRUNE CATHERINE S
- 9623
59 USD
18 years ago
Sep 01, 2006
Sell 2.01 M USD
CROCKETT JOAN M
- 34498
58.38 USD
18 years ago
Aug 21, 2006
Sell 1.37 M USD
CROCKETT JOAN M
- 23420
58.38 USD
18 years ago
Aug 21, 2006
Sell 1.92 M USD
RUEBENSON GEORGE E
- 32880
58.38 USD
18 years ago
May 16, 2006
Sell 773 K USD
RUEBENSON GEORGE E
- 13559
57 USD
18 years ago
May 01, 2006
Sell 418 K USD
SYLLA CASEY
- 7410
56.4443 USD
18 years ago
May 01, 2006
Sell 6.49 M USD
SYLLA CASEY
- 114500
56.6955 USD
19 years ago
Aug 31, 2005
Sell 6.97 M USD
CROCKETT JOAN M
- 126716
55 USD
19 years ago
Aug 31, 2005
Sell 3.79 M USD
CROCKETT JOAN M
- 67684
56 USD
19 years ago
Aug 29, 2005
Sell 3.8 M USD
MCNEIL RONALD D
- 66632
57 USD
19 years ago
Jul 25, 2005
Sell 4.51 M USD
SYLLA CASEY
- 73612
61.3179 USD
19 years ago
Jul 22, 2005
Sell 4.61 M USD
SYLLA CASEY
- 75511
61.05 USD
19 years ago
Jul 19, 2005
Sell 1.59 M USD
CROCKETT JOAN M
- 25421
62.5 USD
19 years ago
Jul 19, 2005
Sell 614 K USD
RUEBENSON GEORGE E
- 9819
62.5 USD
19 years ago
Jul 15, 2005
Sell 993 K USD
RUEBENSON GEORGE E
- 16019
62 USD
19 years ago
Jul 06, 2005
Sell 1.8 M USD
CROCKETT JOAN M
- 29580
60.85 USD
19 years ago
Jul 05, 2005
Sell 304 K USD
RUEBENSON GEORGE E
- 4986
61.06 USD
19 years ago
Jun 02, 2005
Sell 354 K USD
BRUNE CATHERINE S
- 5996
59 USD
19 years ago
May 17, 2005
Sell 536 K USD
RUEBENSON GEORGE E
- 9470
56.64 USD
19 years ago
May 17, 2005
Sell 676 K USD
RUEBENSON GEORGE E
- 11928
56.69 USD
19 years ago
Mar 14, 2005
Sell 1.19 M USD
RUEBENSON GEORGE E
- 21605
55 USD
19 years ago
Mar 14, 2005
Sell 203 K USD
BRUNE CATHERINE S
- 3692
55 USD
19 years ago
Feb 14, 2005
Sell 601 K USD
BRUNE CATHERINE S
- 11261
53.38 USD
19 years ago
Feb 04, 2005
Sell 1.9 M USD
SYLLA CASEY
- 37260
50.9634 USD
19 years ago
Feb 01, 2005
Sell 408 K USD
CROCKETT JOAN M
- 8049
50.66 USD
20 years ago
Dec 31, 2004
Sell 436 K USD
BRUNE CATHERINE S
- 8419
51.78 USD
20 years ago
Dec 22, 2004
Sell 45.2 K USD
CROCKETT JOAN M
- 887
51 USD
20 years ago
Dec 03, 2004
Sell 74 K USD
RUEBENSON GEORGE E
- 1438
51.47 USD
20 years ago
Nov 11, 2004
Sell 499 K USD
MCNEIL RONALD D
- 9971
50 USD
20 years ago
Nov 10, 2004
Sell 621 K USD
BRUNE CATHERINE S
- 12454
49.85 USD
20 years ago
Aug 23, 2004
Sell 246 K USD
RUEBENSON GEORGE E
- 5133
47.88 USD
20 years ago
Aug 04, 2004
Sell 3.79 M USD
SYLLA CASEY
- 80969
46.7781 USD
20 years ago
May 18, 2004
Sell 23.8 K USD
MCNEIL RONALD D
- 549
43.28 USD
20 years ago
Apr 12, 2004
Sell 945 K USD
MCNEIL RONALD D
- 19680
48 USD
20 years ago
Feb 10, 2004
Sell 1.08 M USD
MCNEIL RONALD D
- 23190
46.5 USD
20 years ago
Feb 09, 2004
Sell 219 K USD
MCNEIL RONALD D
- 4724
46.35 USD
20 years ago
Feb 09, 2004
Sell 9.27 K USD
MCNEIL RONALD D
- 200
46.36 USD
20 years ago
Feb 06, 2004
Sell 1.57 M USD
SYLLA CASEY
- 34627
45.47 USD
20 years ago
Feb 06, 2004
Sell 43.7 K USD
CROCKETT JOAN M
- 954
45.83 USD
21 years ago
Dec 02, 2003
Sell 936 K USD
CROCKETT JOAN M
- 23000
40.6897 USD
21 years ago
Dec 02, 2003
Sell 40.7 K USD
CROCKETT JOAN M
- 1000
40.6897 USD
21 years ago
Oct 22, 2003
Sell 2.89 M USD
WILSON THOMAS J
- 72200
40.032 USD
21 years ago
Oct 21, 2003
Sell 459 K USD
WILSON THOMAS J
- 11400
40.25 USD
7. News
8. Profile Summary

The Allstate Corporation ALL-PH

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 50.6 B
Dividend Yield 0.54%
Description The Allstate Corporation, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. The company operates through Allstate Protection; Protection Services; Allstate Health and Benefits; and Run-off Property-Liability segments. The Allstate Protection segment offers private passenger auto and homeowners insurance; specialty auto products, including motorcycle, trailer, motor home, and off-road vehicle insurance; other personal lines products, such as renter, condominium, landlord, boat, umbrella, and manufactured home and stand-alone scheduled personal property; and commercial lines products under the Allstate and Encompass brand names. The Protection Services segment provides consumer product protection plans and related technical support for mobile phones, consumer electronics, furniture, and appliances; finance and insurance products, including vehicle service contracts, guaranteed asset protection waivers, road hazard tire and wheel, and paint and fabric protection; roadside assistance; device and mobile data collection services; data and analytic solutions using automotive telematics information; and identity protection services. This segment offers its products under various brands including Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside Services, Arity, and Allstate Identity Protection. The Allstate Health and Benefits provides life, accident, critical illness, short-term disability, and other health insurance products. The Run-off Property-Liability offers property and casualty insurance. It sells its products through call centers, agencies, financial specialists, independent agents, brokers, wholesale partners, and affinity groups, as well as through online and mobile applications. The Allstate Corporation was founded in 1931 and is based in Northbrook, Illinois.
Contact 2775 Sanders Road, Northbrook, IL, 60062 https://www.allstate.com
IPO Date Aug. 2, 2019
Employees 53000
Officers Mr. Jesse Edward Merten B.B.A. Executive Vice President & Chief Financial Officer Mr. Karl Wiley Executive Vice President of Protection Services Group Mr. Eric Kyle Ferren Senior Vice President, Controller & Chief Accounting Officer Mr. Brent Vandermause Head of Investor Relations Mr. Thomas Joseph Wilson II Chairman of the Board, President & Chief Executive Officer Mr. Suren K. Gupta President of Protection Products & Enterprise Services Ms. Christine Marie DeBiase Esq. Executive Vice President, Chief Legal Officer, General Counsel & Corporate Secretary Mr. John Charles Pintozzi Senior Vice President of Accounting Special Projects Mr. Robert Alexander Toohey Executive Vice President & Chief Human Resource Officer of AIC Mr. Michael Ross Fiato Executive Vice President & Chief Claims Officer