ALLIANZ SE-REG (1ALV.MI) Stock Fundamental Analysis
BIT:1ALV - DE0008404005 - Common Stock
354.4 EUR
-5.1 (-1.42%)
Overall 1ALV gets a fundamental rating of 5 out of 10. We evaluated 1ALV against 36 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.
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.
In the past 5 years 1ALV always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of 1ALV (1.51%) is better than 66.67% of its industry peers.
With an excellent Return On Equity value of 26.15%, 1ALV belongs to the best of the industry, outperforming 94.44% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
1ALV has a better Profit Margin (11.00%) than 69.44% of its industry peers.
In the last couple of years the Profit Margin of 1ALV has grown nicely.
1ALV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
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.
The Altman-Z score of 1ALV (0.23) is better than 80.56% 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.
Looking at the Debt to FCF ratio, with a value of 1.06, 1ALV belongs to the top of the industry, outperforming 86.11% of the companies in the same industry.
A Debt/Equity ratio of 0.64 indicates that 1ALV is somewhat dependend on debt financing.
1ALV has a Debt to Equity ratio of 0.64. This is comparable to the rest of the industry: 1ALV outperforms 52.78% of 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | 0.23 |
ROIC/WACCN/A
WACC6.63%
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.
1ALV's Current ratio of 0.05 is fine compared to the rest of the industry. 1ALV outperforms 66.67% of its industry peers.
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 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.21% over the past year.
Measured over the past 5 years, 1ALV shows a small growth in Earnings Per Share. The EPS has been growing by 6.23% on average per year.
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
1ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.52% yearly.
1ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.76% yearly.
EPS Next Y9.99%
EPS Next 2Y9.23%
EPS Next 3Y7.6%
EPS Next 5Y7.52%
Revenue Next Year9.24%
Revenue Next 2Y7.72%
Revenue Next 3Y11.9%
Revenue Next 5Y21.76%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.41, 1ALV is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as 1ALV.
Compared to an average S&P500 Price/Earnings ratio of 26.90, 1ALV is valued rather cheaply.
1ALV is valuated reasonably with a Price/Forward Earnings ratio of 11.65.
Based on the Price/Forward Earnings ratio, 1ALV is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.52. 1ALV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.41 | ||
| Fwd PE | 11.65 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1ALV is valued cheaply inside the industry as 91.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.92 | ||
| EV/EBITDA | N/A |
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)1.34
PEG (5Y)2.15
EPS Next 2Y9.23%
EPS Next 3Y7.6%
5. Dividend
5.1 Amount
1ALV has a Yearly Dividend Yield of 4.26%, which is a nice return.
1ALV's Dividend Yield is comparable with the industry average which is at 4.47.
Compared to an average S&P500 Dividend Yield of 2.32, 1ALV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.26% |
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
42.12% of the earnings are spent on dividend by 1ALV. 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.
DP42.12%
EPS Next 2Y9.23%
EPS Next 3Y7.6%
BIT:1ALV (9/2/2025, 7:00:00 PM)
354.4
-5.1 (-1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners35.71%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap136.86B
Analysts70.43
Price Target375.1 (5.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.26% |
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)-0.54%
PT rev (3m)2.76%
EPS NQ rev (1m)2.05%
EPS NQ rev (3m)-3.56%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)-4.36%
Revenue NQ rev (3m)-1.3%
Revenue NY rev (1m)-1%
Revenue NY rev (3m)-5.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.41 | ||
| Fwd PE | 11.65 | ||
| P/S | 1.01 | ||
| P/FCF | 3.92 | ||
| P/OCF | 3.72 | ||
| P/B | 2.39 | ||
| P/tB | 3.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.43
EY7.46%
EPS(NY)30.42
Fwd EY8.58%
FCF(TTM)90.32
FCFY25.48%
OCF(TTM)95.35
OCFY26.9%
SpS352.12
BVpS148.11
TBVpS100.5
PEG (NY)1.34
PEG (5Y)2.15
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC6.63%
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 Y9.99%
EPS Next 2Y9.23%
EPS Next 3Y7.6%
EPS Next 5Y7.52%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.42%
Revenue Next Year9.24%
Revenue Next 2Y7.72%
Revenue Next 3Y11.9%
Revenue Next 5Y21.76%
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%