ALLIANZ SE-REG (1ALV.MI) Fundamental Analysis & Valuation

BIT:1ALV • DE0008404005

Current stock price

389.6 EUR
+8.6 (+2.26%)
Last:

This 1ALV.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 1ALV.MI Profitability Analysis

1.1 Basic Checks

  • 1ALV had positive earnings in the past year.
  • 1ALV had a positive operating cash flow in the past year.
  • In the past 5 years 1ALV has always been profitable.
  • 1ALV had a positive operating cash flow in each of the past 5 years.
1ALV.MI Yearly Net Income VS EBIT VS OCF VS FCF1ALV.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B

1.2 Ratios

  • 1ALV has a Return On Assets (1.55%) which is in line with its industry peers.
  • 1ALV has a Return On Equity of 25.27%. This is amongst the best in the industry. 1ALV outperforms 88.00% of its industry peers.
Industry RankSector Rank
ROA 1.55%
ROE 25.27%
ROIC N/A
ROA(3y)0.94%
ROA(5y)0.82%
ROE(3y)15.85%
ROE(5y)13.47%
ROIC(3y)N/A
ROIC(5y)N/A
1ALV.MI Yearly ROA, ROE, ROIC1ALV.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • 1ALV has a better Profit Margin (11.12%) than 66.00% of its industry peers.
  • 1ALV's Profit Margin has improved in the last couple of years.
  • 1ALV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 11.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y37.1%
PM growth 5Y15.23%
GM growth 3YN/A
GM growth 5YN/A
1ALV.MI Yearly Profit, Operating, Gross Margins1ALV.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. 1ALV.MI Health Analysis

2.1 Basic Checks

  • 1ALV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for 1ALV has been reduced compared to 1 year ago.
  • The number of shares outstanding for 1ALV has been reduced compared to 5 years ago.
  • The debt/assets ratio for 1ALV is higher compared to a year ago.
1ALV.MI Yearly Shares Outstanding1ALV.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
1ALV.MI Yearly Total Debt VS Total Assets1ALV.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

2.2 Solvency

  • 1ALV has an Altman-Z score of 0.23. This is a bad value and indicates that 1ALV is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of 1ALV (0.23) is better than 78.00% of its industry peers.
  • 1ALV has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
  • 1ALV has a better Debt to FCF ratio (1.14) than 76.00% of its industry peers.
  • A Debt/Equity ratio of 0.56 indicates that 1ALV is somewhat dependend on debt financing.
  • 1ALV has a Debt to Equity ratio (0.56) which is in line with its industry peers.
  • Even though the debt/equity ratio score it not favorable for 1ALV, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 1.14
Altman-Z 0.23
ROIC/WACCN/A
WACC6.8%
1ALV.MI Yearly LT Debt VS Equity VS FCF1ALV.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.3 Liquidity

  • A Current Ratio of 0.04 indicates that 1ALV may have some problems paying its short term obligations.
  • 1ALV has a better Current ratio (0.04) than 62.00% of its industry peers.
  • A Quick Ratio of 0.04 indicates that 1ALV may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.04, 1ALV is in the better half of the industry, outperforming 62.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
1ALV.MI Yearly Current Assets VS Current Liabilites1ALV.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 1ALV.MI Growth Analysis

3.1 Past

  • 1ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.29%, which is quite good.
  • The Earnings Per Share has been growing by 11.50% on average over the past years. This is quite good.
  • 1ALV shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.45%.
  • 1ALV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.18% yearly.
EPS 1Y (TTM)9.29%
EPS 3Y19.77%
EPS 5Y11.5%
EPS Q2Q%12.03%
Revenue 1Y (TTM)20.45%
Revenue growth 3Y-13.25%
Revenue growth 5Y-5.18%
Sales Q2Q%22.47%

3.2 Future

  • Based on estimates for the next years, 1ALV will show a small growth in Earnings Per Share. The EPS will grow by 6.15% on average per year.
  • 1ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.22% yearly.
EPS Next Y11.19%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
EPS Next 5Y6.15%
Revenue Next Year7.16%
Revenue Next 2Y6.44%
Revenue Next 3Y8.37%
Revenue Next 5Y25.22%

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 decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
1ALV.MI Yearly Revenue VS Estimates1ALV.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 50B 100B 150B
1ALV.MI Yearly EPS VS Estimates1ALV.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 10 20 30 40

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4

4. 1ALV.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.98 indicates a correct valuation of 1ALV.
  • 1ALV's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of 1ALV to the average of the S&P500 Index (27.89), we can say 1ALV is valued slightly cheaper.
  • 1ALV is valuated correctly with a Price/Forward Earnings ratio of 12.57.
  • Based on the Price/Forward Earnings ratio, 1ALV is valued a bit more expensive than 60.00% of the companies in the same industry.
  • 1ALV is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.98
Fwd PE 12.57
1ALV.MI Price Earnings VS Forward Price Earnings1ALV.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, 1ALV is valued a bit cheaper than the industry average as 76.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.78
EV/EBITDA N/A
1ALV.MI Per share data1ALV.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)1.22
EPS Next 2Y8.98%
EPS Next 3Y8.59%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1ALV.MI Dividend Analysis

5.1 Amount

  • 1ALV has a Yearly Dividend Yield of 4.43%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.89, 1ALV has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1ALV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.43%

5.2 History

  • The dividend of 1ALV is nicely growing with an annual growth rate of 11.82%!
Dividend Growth(5Y)11.82%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 1ALV pays out 40.30% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • 1ALV's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.3%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
1ALV.MI Yearly Income VS Free CF VS Dividend1ALV.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B
1ALV.MI Dividend Payout.1ALV.MI Dividend Payout, showing the Payout Ratio.1ALV.MI Dividend Payout.PayoutRetained Earnings

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1ALV.MI Fundamentals: All Metrics, Ratios and Statistics

ALLIANZ SE-REG

BIT:1ALV (4/17/2026, 4:28:55 PM)

389.6

+8.6 (+2.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-13
Inst Owners40.7%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap148.21B
Revenue(TTM)142.55B
Net Income(TTM)15.85B
Analysts72.31
Price Target407.43 (4.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.43%
Yearly Dividend16.67
Dividend Growth(5Y)11.82%
DP40.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.33%
Min EPS beat(2)-1.36%
Max EPS beat(2)0.7%
EPS beat(4)2
Avg EPS beat(4)-0.17%
Min EPS beat(4)-6.76%
Max EPS beat(4)6.75%
EPS beat(8)5
Avg EPS beat(8)2.37%
EPS beat(12)5
Avg EPS beat(12)-1.51%
EPS beat(16)6
Avg EPS beat(16)-5.6%
Revenue beat(2)2
Avg Revenue beat(2)23.69%
Min Revenue beat(2)17.54%
Max Revenue beat(2)29.84%
Revenue beat(4)4
Avg Revenue beat(4)34.34%
Min Revenue beat(4)17.54%
Max Revenue beat(4)57.06%
Revenue beat(8)8
Avg Revenue beat(8)29.95%
Revenue beat(12)11
Avg Revenue beat(12)55.19%
Revenue beat(16)13
Avg Revenue beat(16)46.62%
PT rev (1m)1.62%
PT rev (3m)2.81%
EPS NQ rev (1m)-1.34%
EPS NQ rev (3m)-1.41%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)2.39%
Revenue NY rev (3m)1.91%
Valuation
Industry RankSector Rank
PE 13.98
Fwd PE 12.57
P/S 1.04
P/FCF 4.78
P/OCF 4.46
P/B 2.36
P/tB 3.36
EV/EBITDA N/A
EPS(TTM)27.87
EY7.15%
EPS(NY)30.99
Fwd EY7.95%
FCF(TTM)81.46
FCFY20.91%
OCF(TTM)87.42
OCFY22.44%
SpS374.72
BVpS164.88
TBVpS115.92
PEG (NY)1.25
PEG (5Y)1.22
Graham Number321.542 (-17.47%)
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 25.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.12%
GM N/A
FCFM 21.74%
ROA(3y)0.94%
ROA(5y)0.82%
ROE(3y)15.85%
ROE(5y)13.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y37.1%
PM growth 5Y15.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 103.99%
Cap/Sales 1.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 195.53%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z 0.23
F-Score6
WACC6.8%
ROIC/WACCN/A
Cap/Depr(3y)95.7%
Cap/Depr(5y)83.44%
Cap/Sales(3y)2.89%
Cap/Sales(5y)2.25%
Profit Quality(3y)288.81%
Profit Quality(5y)296.75%
High Growth Momentum
Growth
EPS 1Y (TTM)9.29%
EPS 3Y19.77%
EPS 5Y11.5%
EPS Q2Q%12.03%
EPS Next Y11.19%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
EPS Next 5Y6.15%
Revenue 1Y (TTM)20.45%
Revenue growth 3Y-13.25%
Revenue growth 5Y-5.18%
Sales Q2Q%22.47%
Revenue Next Year7.16%
Revenue Next 2Y6.44%
Revenue Next 3Y8.37%
Revenue Next 5Y25.22%
EBIT growth 1Y61.71%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year6.18%
EBIT Next 3Y5.59%
EBIT Next 5YN/A
FCF growth 1Y2.87%
FCF growth 3Y24.33%
FCF growth 5Y0.03%
OCF growth 1Y3.79%
OCF growth 3Y23.3%
OCF growth 5Y0.53%

ALLIANZ SE-REG / 1ALV.MI Fundamental Analysis FAQ

What is the fundamental rating for 1ALV stock?

ChartMill assigns a fundamental rating of 5 / 10 to 1ALV.MI.


What is the valuation status of ALLIANZ SE-REG (1ALV.MI) stock?

ChartMill assigns a valuation rating of 4 / 10 to ALLIANZ SE-REG (1ALV.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for ALLIANZ SE-REG?

ALLIANZ SE-REG (1ALV.MI) has a profitability rating of 4 / 10.


What are the PE and PB ratios of ALLIANZ SE-REG (1ALV.MI) stock?

The Price/Earnings (PE) ratio for ALLIANZ SE-REG (1ALV.MI) is 13.98 and the Price/Book (PB) ratio is 2.36.


How financially healthy is ALLIANZ SE-REG?

The financial health rating of ALLIANZ SE-REG (1ALV.MI) is 5 / 10.