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

BIT:1ALV - Euronext Milan - DE0008404005 - Common Stock - Currency: EUR

345.5  +0.6 (+0.17%)

Fundamental Rating

5

1ALV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 39 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. Finally 1ALV also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
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 (1.41%) than 71.79% of its industry peers.
With an excellent Return On Equity value of 24.44%, 1ALV belongs to the best of the industry, outperforming 94.87% of the companies in the same industry.
Industry RankSector Rank
ROA 1.41%
ROE 24.44%
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

1ALV has a Profit Margin of 12.45%. This is in the better half of the industry: 1ALV outperforms 74.36% of its industry peers.
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) 12.45%
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

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5

2. Health

2.1 Basic Checks

1ALV does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1ALV has less shares outstanding
Compared to 5 years ago, 1ALV has less shares outstanding
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 0.16, we must say that 1ALV is in the distress zone and has some risk of bankruptcy.
1ALV has a Altman-Z score of 0.16. This is amongst the best in the industry. 1ALV outperforms 82.05% of its industry peers.
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 84.62% of the companies in the same industry.
A Debt/Equity ratio of 0.53 indicates that 1ALV is somewhat dependend on debt financing.
1ALV has a Debt to Equity ratio of 0.53. This is comparable to the rest of the industry: 1ALV outperforms 58.97% of its industry peers.
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 0.53
Debt/FCF 1.07
Altman-Z 0.16
ROIC/WACCN/A
WACC6.56%
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

A Current Ratio of 0.04 indicates that 1ALV may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.04, 1ALV is in the better half of the industry, outperforming 71.79% of the companies in the same industry.
A Quick Ratio of 0.04 indicates that 1ALV may have some problems paying its short term obligations.
1ALV has a better Quick ratio (0.04) than 71.79% of its industry peers.
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 2015 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.76% over the past year.
1ALV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.23% yearly.
1ALV shows a small growth in Revenue. In the last year, the Revenue has grown by 1.47%.
1ALV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.64% yearly.
EPS 1Y (TTM)13.76%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%-0.63%
Revenue 1Y (TTM)1.47%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
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 5.85% yearly.
Based on estimates for the next years, 1ALV will show a very strong growth in Revenue. The Revenue will grow by 20.80% on average per year.
EPS Next Y10.29%
EPS Next 2Y9.28%
EPS Next 3Y8.91%
EPS Next 5Y5.85%
Revenue Next Year15.43%
Revenue Next 2Y10.63%
Revenue Next 3Y9.36%
Revenue Next 5Y20.8%

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.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.57 indicates a correct valuation of 1ALV.
The rest of the industry has a similar Price/Earnings ratio as 1ALV.
When comparing the Price/Earnings ratio of 1ALV to the average of the S&P500 Index (27.50), we can say 1ALV is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.34, the valuation of 1ALV can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ALV is on the same level as its industry peers.
1ALV is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.57
Fwd PE 11.34
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 40

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, 1ALV is valued cheaper than 89.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.43
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.32
PEG (5Y)2.18
EPS Next 2Y9.28%
EPS Next 3Y8.91%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.46%, 1ALV is a good candidate for dividend investing.
1ALV's Dividend Yield is comparable with the industry average which is at 4.52.
Compared to an average S&P500 Dividend Yield of 2.34, 1ALV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.46%

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 39.04% of its income as dividend. This is a 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%
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

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ALLIANZ SE-REG

BIT:1ALV (7/18/2025, 7:00:00 PM)

345.5

+0.6 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-15 2025-05-15/bmo
Earnings (Next)08-07 2025-08-07/bmo
Inst Owners35.71%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap133.42B
Analysts70.43
Price Target377.13 (9.15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.46%
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)3.29%
PT rev (3m)6.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.06%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.09%
Valuation
Industry RankSector Rank
PE 13.57
Fwd PE 11.34
P/S 1.13
P/FCF 4.43
P/OCF 4.16
P/B 2.21
P/tB 3.24
EV/EBITDA N/A
EPS(TTM)25.46
EY7.37%
EPS(NY)30.46
Fwd EY8.81%
FCF(TTM)78.01
FCFY22.58%
OCF(TTM)82.97
OCFY24.01%
SpS306.46
BVpS156.12
TBVpS106.59
PEG (NY)1.32
PEG (5Y)2.18
Profitability
Industry RankSector Rank
ROA 1.41%
ROE 24.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.45%
GM N/A
FCFM 25.46%
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-Score6
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 1.07
Debt/EBITDA N/A
Cap/Depr 88.9%
Cap/Sales 1.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 204.49%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z 0.16
F-Score6
WACC6.56%
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)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 5Y5.85%
Revenue 1Y (TTM)1.47%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%6.81%
Revenue Next Year15.43%
Revenue Next 2Y10.63%
Revenue Next 3Y9.36%
Revenue Next 5Y20.8%
EBIT growth 1Y-49.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
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%