ALLIANZ SE-REG (1ALV.MI) Stock Fundamental Analysis
BIT:1ALV - Euronext Milan - DE0008404005 - Common Stock - Currency: EUR
Overall 1ALV gets a fundamental rating of 5 out of 10. We evaluated 1ALV against 38 industry peers in the Insurance industry. 1ALV has an average financial health and profitability rating. 1ALV has a decent growth rate and is not valued too expensively. 1ALV also has an excellent dividend rating. These ratings could make 1ALV a good candidate for dividend investing.
1. Profitability
1.1 Basic Checks
In the past year 1ALV was profitable.
In the past year 1ALV had a positive cash flow from operations.
1ALV had positive earnings in each of the past 5 years.
1ALV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.41%, 1ALV is in the better half of the industry, outperforming 73.68% of the companies in the same industry.
1ALV's Return On Equity of 24.44% is amongst the best of the industry. 1ALV outperforms 94.74% of its industry peers.
1ALV has a Return On Invested Capital of 0.68%. This is in the lower half of the industry: 1ALV underperforms 63.16% of its industry peers.
1ALV had an Average Return On Invested Capital over the past 3 years of 1.50%. This is in line with the industry average of 2.05%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 24.44% | ||
| ROIC | 0.68% |
ROA(3y)0.82%
ROA(5y)0.74%
ROE(3y)14.08%
ROE(5y)11.77%
ROIC(3y)1.5%
ROIC(5y)1.33%
1.3 Margins
With a decent Profit Margin value of 10.07%, 1ALV is doing good in the industry, outperforming 65.79% of the companies in the same industry.
In the last couple of years the Profit Margin of 1ALV has grown nicely.
With a Operating Margin value of 6.18%, 1ALV is not doing good in the industry: 73.68% of the companies in the same industry are doing better.
1ALV's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.18% | ||
| PM (TTM) | 10.07% | ||
| GM | N/A |
OM growth 3Y-41.86%
OM growth 5Y-34.3%
PM growth 3Y18.21%
PM growth 5Y6.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1ALV has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
1ALV has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1ALV has less shares outstanding
1ALV has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.27, we must say that 1ALV is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.27, 1ALV belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
1ALV has a debt to FCF ratio of 1.07. This is a very positive value and a sign of high solvency as it would only need 1.07 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 1.07, 1ALV belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
1ALV has a Debt/Equity ratio of 0.53. This is a neutral value indicating 1ALV is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.53, 1ALV is doing good in the industry, outperforming 63.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | 0.27 |
ROIC/WACC0.1
WACC6.53%
2.3 Liquidity
1ALV has a Current Ratio of 0.04. This is a bad value and indicates that 1ALV is not financially healthy enough and could expect problems in meeting its short term obligations.
1ALV has a Current ratio of 0.04. This is in the better half of the industry: 1ALV outperforms 71.05% of its industry peers.
1ALV has a Quick Ratio of 0.04. 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 Quick ratio, with a value of 0.04, 1ALV is in the better half of the industry, outperforming 71.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
1ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.76%, which is quite good.
1ALV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.23% yearly.
The Revenue has been growing slightly by 3.04% in the past year.
1ALV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.94% yearly.
EPS 1Y (TTM)13.76%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%-0.63%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y-3.34%
Revenue growth 5Y-1.94%
Sales Q2Q%6.81%
3.2 Future
1ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.46% yearly.
1ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.50% yearly.
EPS Next Y10.29%
EPS Next 2Y9.28%
EPS Next 3Y8.91%
EPS Next 5Y6.46%
Revenue Next Year15.43%
Revenue Next 2Y10.63%
Revenue Next 3Y9.36%
Revenue Next 5Y21.5%
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 stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
1ALV is valuated correctly with a Price/Earnings ratio of 13.85.
Compared to the rest of the industry, the Price/Earnings ratio of 1ALV is on the same level as its industry peers.
1ALV is valuated rather cheaply when we compare the Price/Earnings ratio to 26.43, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.57, the valuation of 1ALV can be described as very reasonable.
1ALV's Price/Forward Earnings is on the same level as the industry average.
1ALV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.17.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.85 | ||
| Fwd PE | 11.57 |
4.2 Price Multiples
60.53% of the companies in the same industry are more expensive than 1ALV, based on the Enterprise Value to EBITDA ratio.
1ALV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 1ALV is cheaper than 89.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.52 | ||
| EV/EBITDA | 12.15 |
4.3 Compensation for Growth
1ALV's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.35
PEG (5Y)2.22
EPS Next 2Y9.28%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.43%, 1ALV is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.54, 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.43% |
5.2 History
The dividend of 1ALV is nicely growing with an annual growth rate of 8.88%!
Dividend Growth(5Y)8.88%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
39.04% of the earnings are spent on dividend by 1ALV. This is a low number and sustainable payout ratio.
The dividend of 1ALV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.04%
EPS Next 2Y9.28%
EPS Next 3Y8.91%
BIT:1ALV (6/4/2025, 7:00:00 PM)
352.5
+4.1 (+1.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.56%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap136.12B
Analysts73.6
Price Target365.03 (3.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.43% |
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP39.04%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.25%
Min EPS beat(2)-0.73%
Max EPS beat(2)7.24%
EPS beat(4)3
Avg EPS beat(4)4.92%
Min EPS beat(4)-0.73%
Max EPS beat(4)9.18%
EPS beat(8)3
Avg EPS beat(8)-2.18%
EPS beat(12)4
Avg EPS beat(12)-7.41%
EPS beat(16)7
Avg EPS beat(16)-9.56%
Revenue beat(2)2
Avg Revenue beat(2)26.83%
Min Revenue beat(2)10.15%
Max Revenue beat(2)43.51%
Revenue beat(4)4
Avg Revenue beat(4)25.56%
Min Revenue beat(4)10.15%
Max Revenue beat(4)43.51%
Revenue beat(8)7
Avg Revenue beat(8)65.62%
Revenue beat(12)9
Avg Revenue beat(12)50.72%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.16%
PT rev (3m)7.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.12%
EPS NY rev (1m)0%
EPS NY rev (3m)0.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)-6.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.85 | ||
| Fwd PE | 11.57 | ||
| P/S | 0.93 | ||
| P/FCF | 4.52 | ||
| P/OCF | 4.25 | ||
| P/B | 2.26 | ||
| P/tB | 3.31 | ||
| EV/EBITDA | 12.15 |
EPS(TTM)25.46
EY7.22%
EPS(NY)30.46
Fwd EY8.64%
FCF(TTM)78.01
FCFY22.13%
OCF(TTM)82.97
OCFY23.54%
SpS379.02
BVpS156.12
TBVpS106.59
PEG (NY)1.35
PEG (5Y)2.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 24.44% | ||
| ROCE | 0.88% | ||
| ROIC | 0.68% | ||
| ROICexc | 0.7% | ||
| ROICexgc | 0.87% | ||
| OM | 6.18% | ||
| PM (TTM) | 10.07% | ||
| GM | N/A | ||
| FCFM | 20.58% |
ROA(3y)0.82%
ROA(5y)0.74%
ROE(3y)14.08%
ROE(5y)11.77%
ROIC(3y)1.5%
ROIC(5y)1.33%
ROICexc(3y)1.54%
ROICexc(5y)1.36%
ROICexgc(3y)1.95%
ROICexgc(5y)1.72%
ROCE(3y)1.96%
ROCE(5y)1.74%
ROICexcg growth 3Y-42.34%
ROICexcg growth 5Y-35.41%
ROICexc growth 3Y-41.74%
ROICexc growth 5Y-35.72%
OM growth 3Y-41.86%
OM growth 5Y-34.3%
PM growth 3Y18.21%
PM growth 5Y6.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 1.07 | ||
| Debt/EBITDA | 2.88 | ||
| Cap/Depr | 88.9% | ||
| Cap/Sales | 1.31% | ||
| Interest Coverage | 5.81 | ||
| Cash Conversion | 286.17% | ||
| Profit Quality | 204.49% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | 0.27 |
F-Score6
WACC6.53%
ROIC/WACC0.1
Cap/Depr(3y)85.78%
Cap/Depr(5y)75.55%
Cap/Sales(3y)1.85%
Cap/Sales(5y)1.64%
Profit Quality(3y)276.66%
Profit Quality(5y)329.2%
High Growth Momentum
Growth
EPS 1Y (TTM)13.76%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%-0.63%
EPS Next Y10.29%
EPS Next 2Y9.28%
EPS Next 3Y8.91%
EPS Next 5Y6.46%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y-3.34%
Revenue growth 5Y-1.94%
Sales Q2Q%6.81%
Revenue Next Year15.43%
Revenue Next 2Y10.63%
Revenue Next 3Y9.36%
Revenue Next 5Y21.5%
EBIT growth 1Y-28.58%
EBIT growth 3Y-43.8%
EBIT growth 5Y-35.58%
EBIT Next Year7.31%
EBIT Next 3Y5.78%
EBIT Next 5YN/A
FCF growth 1Y34.65%
FCF growth 3Y8.3%
FCF growth 5Y-2.95%
OCF growth 1Y30.71%
OCF growth 3Y8.44%
OCF growth 5Y-2.47%