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

Europe - BIT:1ALV - DE0008404005 - Common Stock

368.4 EUR
-1.6 (-0.43%)
Last: 10/15/2025, 3:27:31 PM
Fundamental Rating

5

Overall 1ALV gets a fundamental rating of 5 out of 10. We evaluated 1ALV against 40 industry peers in the Insurance industry. Both the profitability and the financial health of 1ALV get a neutral evaluation. Nothing too spectacular is happening here. 1ALV has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

1.2 Ratios

1ALV has a better Return On Assets (1.51%) than 70.00% of its industry peers.
1ALV's Return On Equity of 26.15% is amongst the best of the industry. 1ALV outperforms 92.50% of its industry peers.
Industry RankSector Rank
ROA 1.51%
ROE 26.15%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.74%
ROE(3y)14.08%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
1ALV.MI Yearly ROA, ROE, ROIC1ALV.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

With a decent Profit Margin value of 11.00%, 1ALV is doing good in the industry, outperforming 72.50% of the companies in the same industry.
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%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y33.01%
PM growth 5Y14.21%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

5

2. Health

2.1 Basic Checks

1ALV does not have a ROIC to compare to the WACC, probably because it is not profitable.
1ALV has less shares outstanding than it did 1 year ago.
1ALV has less shares outstanding than it did 5 years ago.
1ALV has a worse debt/assets ratio than last year.
1ALV.MI Yearly Shares Outstanding1ALV.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
1ALV.MI Yearly Total Debt VS Total Assets1ALV.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

2.2 Solvency

Based on the Altman-Z score of 0.23, we must say that 1ALV is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.23, 1ALV belongs to the best of the industry, outperforming 82.50% of the companies in the same industry.
The Debt to FCF ratio of 1ALV is 1.06, which is an excellent value as it means it would take 1ALV, only 1.06 years of fcf income to pay off all of its debts.
1ALV has a better Debt to FCF ratio (1.06) than 87.50% of its industry peers.
1ALV has a Debt/Equity ratio of 0.64. This is a neutral value indicating 1ALV is somewhat dependend on debt financing.
1ALV has a Debt to Equity ratio (0.64) which is comparable to the rest of the industry.
Although 1ALV does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 1.06
Altman-Z 0.23
ROIC/WACCN/A
WACC6.69%
1ALV.MI Yearly LT Debt VS Equity VS FCF1ALV.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.3 Liquidity

1ALV has a Current Ratio of 0.05. This is a bad value and indicates that 1ALV is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of 1ALV (0.05) is comparable to the rest of the industry.
1ALV has a Quick Ratio of 0.05. This is a bad value and indicates that 1ALV is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.05, 1ALV perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
1ALV.MI Yearly Current Assets VS Current Liabilites1ALV.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

5

3. Growth

3.1 Past

1ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.21%, which is quite good.
The Earnings Per Share has been growing slightly by 6.23% on average over the past years.
The Revenue has grown by 13.86% in the past year. This is quite good.
1ALV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.64% yearly.
EPS 1Y (TTM)15.21%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%16.01%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.42%

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 7.39% on average per year.
1ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.62% yearly.
EPS Next Y10.13%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
EPS Next 5Y7.39%
Revenue Next Year4.93%
Revenue Next 2Y5.32%
Revenue Next 3Y4.97%
Revenue Next 5Y21.62%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 50B 100B 150B 200B
1ALV.MI Yearly EPS VS Estimates1ALV.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10 20 30 40

4

4. Valuation

4.1 Price/Earnings Ratio

1ALV is valuated correctly with a Price/Earnings ratio of 13.94.
1ALV's Price/Earnings is on the same level as the industry average.
1ALV is valuated rather cheaply when we compare the Price/Earnings ratio to 27.49, which is the current average of the S&P500 Index.
1ALV is valuated correctly with a Price/Forward Earnings ratio of 12.11.
Based on the Price/Forward Earnings ratio, 1ALV is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.99. 1ALV is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.94
Fwd PE 12.11
1ALV.MI Price Earnings VS Forward Price Earnings1ALV.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

87.50% of the companies in the same industry are more expensive than 1ALV, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.08
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)1.38
PEG (5Y)2.24
EPS Next 2Y9.23%
EPS Next 3Y7.62%

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.17%, 1ALV is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.48, 1ALV has a dividend in line with its industry peers.
1ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 4.17%

5.2 History

On average, the dividend of 1ALV grows each year by 8.88%, which is quite nice.
Dividend Growth(5Y)8.88%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1ALV pays out 42.12% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of 1ALV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.12%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
1ALV.MI Yearly Income VS Free CF VS Dividend1ALV.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B
1ALV.MI Dividend Payout.1ALV.MI Dividend Payout, showing the Payout Ratio.1ALV.MI Dividend Payout.PayoutRetained Earnings

ALLIANZ SE-REG

BIT:1ALV (10/15/2025, 3:27:31 PM)

368.4

-1.6 (-0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/bmo
Earnings (Next)11-14 2025-11-14/bmo
Inst Owners39.21%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap142.27B
Analysts70.43
Price Target376.65 (2.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.17%
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.12%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0%
Min EPS beat(2)-6.76%
Max EPS beat(2)6.75%
EPS beat(4)2
Avg EPS beat(4)1.63%
Min EPS beat(4)-6.76%
Max EPS beat(4)7.24%
EPS beat(8)4
Avg EPS beat(8)-0.49%
EPS beat(12)5
Avg EPS beat(12)-0.38%
EPS beat(16)6
Avg EPS beat(16)-12.12%
Revenue beat(2)2
Avg Revenue beat(2)44.98%
Min Revenue beat(2)32.91%
Max Revenue beat(2)57.06%
Revenue beat(4)4
Avg Revenue beat(4)35.91%
Min Revenue beat(4)10.15%
Max Revenue beat(4)57.06%
Revenue beat(8)8
Avg Revenue beat(8)58.78%
Revenue beat(12)10
Avg Revenue beat(12)52.81%
Revenue beat(16)13
Avg Revenue beat(16)53.11%
PT rev (1m)0.2%
PT rev (3m)1.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.2%
EPS NY rev (1m)0.13%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.36%
Revenue NY rev (1m)-3.71%
Revenue NY rev (3m)-9.1%
Valuation
Industry RankSector Rank
PE 13.94
Fwd PE 12.11
P/S 1.05
P/FCF 4.08
P/OCF 3.86
P/B 2.49
P/tB 3.67
EV/EBITDA N/A
EPS(TTM)26.43
EY7.17%
EPS(NY)30.43
Fwd EY8.26%
FCF(TTM)90.32
FCFY24.52%
OCF(TTM)95.35
OCFY25.88%
SpS352.12
BVpS148.11
TBVpS100.5
PEG (NY)1.38
PEG (5Y)2.24
Profitability
Industry RankSector Rank
ROA 1.51%
ROE 26.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11%
GM N/A
FCFM 25.65%
ROA(3y)0.82%
ROA(5y)0.74%
ROE(3y)14.08%
ROE(5y)11.77%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y33.01%
PM growth 5Y14.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 1.06
Debt/EBITDA N/A
Cap/Depr 91.05%
Cap/Sales 1.43%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 233.2%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z 0.23
F-Score7
WACC6.69%
ROIC/WACCN/A
Cap/Depr(3y)85.78%
Cap/Depr(5y)75.55%
Cap/Sales(3y)2.43%
Cap/Sales(5y)1.98%
Profit Quality(3y)276.66%
Profit Quality(5y)329.2%
High Growth Momentum
Growth
EPS 1Y (TTM)15.21%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%16.01%
EPS Next Y10.13%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
EPS Next 5Y7.39%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.42%
Revenue Next Year4.93%
Revenue Next 2Y5.32%
Revenue Next 3Y4.97%
Revenue Next 5Y21.62%
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year7.31%
EBIT Next 3Y5.78%
EBIT Next 5YN/A
FCF growth 1Y75.97%
FCF growth 3Y8.3%
FCF growth 5Y-2.95%
OCF growth 1Y71.25%
OCF growth 3Y8.44%
OCF growth 5Y-2.47%