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

BIT:1ALV • DE0008404005

356 EUR
-14.7 (-3.97%)
Last: Mar 3, 2026, 09:42 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to 1ALV. 1ALV was compared to 46 industry peers in the Insurance industry. 1ALV has only an average score on both its financial health and profitability. 1ALV is not valued too expensively and it also shows a decent growth rate. 1ALV also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year 1ALV was profitable.
  • 1ALV had a positive operating cash flow in the past year.
  • 1ALV had positive earnings in 4 of the past 5 years.
  • 1ALV had a positive operating cash flow in 4 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 0 20B -20B 40B

1.2 Ratios

  • 1ALV has a Return On Assets of 1.49%. This is comparable to the rest of the industry: 1ALV outperforms 54.35% of its industry peers.
  • Looking at the Return On Equity, with a value of 25.91%, 1ALV belongs to the top of the industry, outperforming 91.30% of the companies in the same industry.
Industry RankSector Rank
ROA 1.49%
ROE 25.91%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 10.90%, 1ALV is doing good in the industry, outperforming 63.04% of the companies in the same industry.
  • 1ALV's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for 1ALV so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.9%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • 1ALV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for 1ALV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
1ALV.MI Yearly Shares Outstanding1ALV.MI Yearly Shares OutstandingYearly Shares Outstanding 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 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.
  • 1ALV's Altman-Z score of 0.23 is amongst the best of the industry. 1ALV outperforms 82.61% of its industry peers.
  • 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 82.61% of its industry peers.
  • A Debt/Equity ratio of 0.64 indicates that 1ALV is somewhat dependend on debt financing.
  • 1ALV has a Debt to Equity ratio (0.64) 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 0.64
Debt/FCF 1.06
Altman-Z 0.23
ROIC/WACCN/A
WACC6.77%
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 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.
  • Looking at the Current ratio, with a value of 0.05, 1ALV is in the better half of the industry, outperforming 63.04% of the companies in the same 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 decent Quick ratio value of 0.05, 1ALV is doing good in the industry, outperforming 63.04% 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 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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

4

3. Growth

3.1 Past

  • 1ALV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.07%.
  • The Earnings Per Share has been growing slightly by 5.77% on average over the past years.
EPS 1Y (TTM)-16.07%
EPS 3Y9.68%
EPS 5Y5.77%
EPS Q2Q%-89.01%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%42.85%

3.2 Future

  • Based on estimates for the next years, 1ALV will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.00% on average per year.
  • Based on estimates for the next years, 1ALV will show a very strong growth in Revenue. The Revenue will grow by 26.56% on average per year.
EPS Next Y42.95%
EPS Next 2Y23.69%
EPS Next 3Y18.07%
EPS Next 5Y12%
Revenue Next Year4.95%
Revenue Next 2Y4.73%
Revenue Next 3Y36.17%
Revenue Next 5Y26.56%

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.
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 200B
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.64 indicates a correct valuation of 1ALV.
  • Based on the Price/Earnings ratio, 1ALV is valued a bit more expensive than the industry average as 71.74% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 27.13. 1ALV is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.64, the valuation of 1ALV can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, 1ALV is valued a bit more expensive than the industry average as 67.39% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of 1ALV to the average of the S&P500 Index (28.11), we can say 1ALV is valued rather cheaply.
Industry RankSector Rank
PE 16.64
Fwd PE 11.64
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

  • Based on the Price/Free Cash Flow ratio, 1ALV is valued cheaper than 84.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.88
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

  • 1ALV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 1ALV's earnings are expected to grow with 18.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)2.88
EPS Next 2Y23.69%
EPS Next 3Y18.07%

More info and screens

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

7

5. Dividend

5.1 Amount

  • 1ALV has a Yearly Dividend Yield of 4.45%, which is a nice return.
  • 1ALV's Dividend Yield is comparable with the industry average which is at 4.03.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1ALV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.45%

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 42.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of 1ALV is growing, but earnings are growing more, so the dividend growth is sustainable.
DP42.51%
EPS Next 2Y23.69%
EPS Next 3Y18.07%
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 10B 20B 30B
1ALV.MI Dividend Payout.1ALV.MI Dividend Payout, showing the Payout Ratio.1ALV.MI Dividend Payout.PayoutRetained Earnings

More info and screens

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ALLIANZ SE-REG

BIT:1ALV (3/3/2026, 9:42:54 AM)

356

-14.7 (-3.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-13
Inst Owners41.41%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap135.43B
Revenue(TTM)N/A
Net Income(TTM)14.82B
Analysts72.8
Price Target400.94 (12.62%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.45%
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.51%
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)1.17%
PT rev (3m)5.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-1.51%
Valuation
Industry RankSector Rank
PE 16.64
Fwd PE 11.64
P/S 1
P/FCF 3.88
P/OCF 3.68
P/B 2.37
P/tB 3.49
EV/EBITDA N/A
EPS(TTM)21.4
EY6.01%
EPS(NY)30.6
Fwd EY8.59%
FCF(TTM)91.68
FCFY25.75%
OCF(TTM)96.79
OCFY27.19%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)0.39
PEG (5Y)2.88
Graham Number269.06
Profitability
Industry RankSector Rank
ROA 1.49%
ROE 25.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.9%
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
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 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 235.39%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z 0.23
F-Score7
WACC6.77%
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)-16.07%
EPS 3Y9.68%
EPS 5Y5.77%
EPS Q2Q%-89.01%
EPS Next Y42.95%
EPS Next 2Y23.69%
EPS Next 3Y18.07%
EPS Next 5Y12%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%42.85%
Revenue Next Year4.95%
Revenue Next 2Y4.73%
Revenue Next 3Y36.17%
Revenue Next 5Y26.56%
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year10.39%
EBIT Next 3Y7.11%
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%

ALLIANZ SE-REG / 1ALV.MI 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 5 / 10 to ALLIANZ SE-REG (1ALV.MI). This can be considered as Fairly Valued.


How profitable is ALLIANZ SE-REG (1ALV.MI) stock?

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


Can you provide the expected EPS growth for 1ALV stock?

The Earnings per Share (EPS) of ALLIANZ SE-REG (1ALV.MI) is expected to grow by 42.95% in the next year.


Is the dividend of ALLIANZ SE-REG sustainable?

The dividend rating of ALLIANZ SE-REG (1ALV.MI) is 7 / 10 and the dividend payout ratio is 42.51%.