好事达保险第三季度净利润降至20.5亿美元：巨灾损失增至16.5亿美元，有效保单达2.176亿份
诺斯布鲁克——总部位于伊利诺伊州 Northbrook 的好事达保险公司（The Allstate Corporation）11月4日公布2026年第三季度业绩：总营收173.48亿美元，同比增长0.5%；归属普通股股东净利润20.5亿美元，同比下降44.8%，摊薄每股收益8.03美元；调整后净利润24.93亿美元，每股9.76美元，下降16.2%。
公司表示，净利润下滑主要因为巨灾损失大幅上升、投资与衍生品录得净亏损，且上年同期包含出售团体健康业务的一次性收益。第三季度巨灾损失达16.5亿美元，上年同期为5.58亿美元；财产险承保利润20.2亿美元，下降30.1%；财产险综合成本率升至86.6，上年同期为80.1。已赚保费150.9亿美元，增长3.8%；净投资收益11.8亿美元。
保单方面，全公司有效保单总数达2.176亿份，同比增长3.9%，其中财产险保单增长3.3%。公司第三季度通过回购与股息向股东返还约15亿美元。（来源：好事达保险）
Allstate Third-Quarter Net Income Falls to $2.05 Billion: Catastrophe Losses Climb to $1.65 Billion as Policies in Force Reach 217.6 Million
Northbrook — The Allstate Corporation, headquartered in Northbrook, Illinois, on November 4 reported third-quarter 2026 results: total revenues were $17.348 billion, up 0.5% year over year; net income applicable to common shareholders fell 44.8% to $2.05 billion, or $8.03 per diluted share; and adjusted net income declined 16.2% to $2.493 billion, or $9.76 per diluted share.
The company said earnings were pressured by sharply higher catastrophe losses, net losses on investments and derivatives, and the absence of a prior-year gain on the sale of its group health business. Catastrophe losses totaled $1.65 billion, versus $558 million a year earlier. Property-liability underwriting income fell 30.1% to $2.02 billion, and the property-liability combined ratio rose to 86.6 from 80.1. Premiums earned rose 3.8% to $15.09 billion, and net investment income was $1.18 billion.
Total policies in force across the company reached 217.6 million, up 3.9%, with property-liability policies up 3.3%. Allstate returned approximately $1.5 billion to shareholders through repurchases and dividends during the quarter. (Source: The Allstate Corporation)
来源：好事达保险
发布：GSM·美国（发布链接）
图片来源：图：好事达保险的一家营业网点。Stu pendousmat 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / Photo: An Allstate insurance agency storefront. By Stu pendousmat, CC BY-SA 3.0, via Wikimedia Commons.
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