Best Dividend Stocks. Analyze the stocks with the best dividend, while also showing decent profitability and health.


ALLIANZ SE-REG

Deutsche Boerse Ag / Financials / Insurance

Fundamental Rating

5

Overall ALV gets a fundamental rating of 5 out of 10. We evaluated ALV against 32 industry peers in the Insurance industry. ALV has an average financial health and profitability rating. ALV is not valued too expensively and it also shows a decent growth rate. ALV also has an excellent dividend rating. With these ratings, ALV could be worth investigating further for dividend investing!.



5

1. Profitability

1.1 Basic Checks

ALV had positive earnings in the past year.
ALV had a positive operating cash flow in the past year.
ALV had positive earnings in each of the past 5 years.
ALV had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

ALV's Return On Assets of 1.27% is fine compared to the rest of the industry. ALV outperforms 67.74% of its industry peers.
With an excellent Return On Equity value of 21.29%, ALV belongs to the best of the industry, outperforming 83.87% of the companies in the same industry.
ALV has a Return On Invested Capital (0.98%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for ALV is in line with the industry average of 2.14%.
Industry RankSector Rank
ROA 1.27%
ROE 21.29%
ROIC 0.98%
ROA(3y)0.7%
ROA(5y)0.71%
ROE(3y)11.38%
ROE(5y)10.65%
ROIC(3y)1.6%
ROIC(5y)1.47%

1.3 Margins

With a Profit Margin value of 8.70%, ALV perfoms like the industry average, outperforming 48.39% of the companies in the same industry.
ALV's Profit Margin has improved in the last couple of years.
The Operating Margin of ALV (8.85%) is worse than 64.52% of its industry peers.
In the last couple of years the Operating Margin of ALV has declined.
Industry RankSector Rank
OM 8.85%
PM (TTM) 8.7%
GM N/A
OM growth 3Y-31.32%
OM growth 5Y-15.72%
PM growth 3Y14.34%
PM growth 5Y3.03%
GM growth 3YN/A
GM growth 5YN/A

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6

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ALV is destroying value.
ALV has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, ALV has less shares outstanding
The debt/assets ratio for ALV has been reduced compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of 0.28, we must say that ALV is in the distress zone and has some risk of bankruptcy.
ALV has a better Altman-Z score (0.28) than 83.87% of its industry peers.
ALV has a debt to FCF ratio of 1.34. This is a very positive value and a sign of high solvency as it would only need 1.34 years to pay back of all of its debts.
ALV has a Debt to FCF ratio of 1.34. This is amongst the best in the industry. ALV outperforms 90.32% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that ALV is somewhat dependend on debt financing.
The Debt to Equity ratio of ALV (0.51) is better than 61.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 1.34
Altman-Z 0.28
ROIC/WACC0.16
WACC6.25%

2.3 Liquidity

A Current Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.05, ALV is in the better half of the industry, outperforming 64.52% of the companies in the same industry.
A Quick Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.05, ALV is in the better half of the industry, outperforming 64.52% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.29% over the past year.
Measured over the past 5 years, ALV shows a small growth in Earnings Per Share. The EPS has been growing by 2.98% on average per year.
Looking at the last year, ALV shows a decrease in Revenue. The Revenue has decreased by -1.04% in the last year.
Measured over the past years, ALV shows a decrease in Revenue. The Revenue has been decreasing by -0.61% on average per year.
EPS 1Y (TTM)12.29%
EPS 3Y9.34%
EPS 5Y2.98%
EPS Q2Q%24.46%
Revenue 1Y (TTM)-1.04%
Revenue growth 3Y-6.19%
Revenue growth 5Y-0.61%
Sales Q2Q%5.32%

3.2 Future

The Earnings Per Share is expected to grow by 9.75% on average over the next years. This is quite good.
ALV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.71% yearly.
EPS Next Y18.38%
EPS Next 2Y13.99%
EPS Next 3Y11.4%
EPS Next 5Y9.75%
Revenue Next Year3.42%
Revenue Next 2Y3.37%
Revenue Next 3Y3.66%
Revenue Next 5Y2.71%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.67, the valuation of ALV can be described as reasonable.
Based on the Price/Earnings ratio, ALV is valued a bit more expensive than 74.19% of the companies in the same industry.
When comparing the Price/Earnings ratio of ALV to the average of the S&P500 Index (24.29), we can say ALV is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.50, the valuation of ALV can be described as reasonable.
61.29% of the companies in the same industry are cheaper than ALV, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.35, ALV is valued rather cheaply.
Industry RankSector Rank
PE 11.67
Fwd PE 9.5

4.2 Price Multiples

ALV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ALV is cheaper than 67.74% of the companies in the same industry.
80.65% of the companies in the same industry are more expensive than ALV, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.57
EV/EBITDA 6.84

4.3 Compensation for Growth

ALV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.63
PEG (5Y)3.91
EPS Next 2Y13.99%
EPS Next 3Y11.4%

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8

5. Dividend

5.1 Amount

ALV has a Yearly Dividend Yield of 5.26%, which is a nice return.
Compared to an average industry Dividend Yield of 5.57, ALV has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.29, ALV pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.26%

5.2 History

The dividend of ALV is nicely growing with an annual growth rate of 6.10%!
Dividend Growth(5Y)6.1%
Div Incr Years2
Div Non Decr Years5

5.3 Sustainability

ALV pays out 36.47% of its income as dividend. This is a sustainable payout ratio.
The dividend of ALV is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.47%
EPS Next 2Y13.99%
EPS Next 3Y11.4%

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