ALLIANZ SE-REG (1ALV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1ALV - DE0008404005 - Common Stock
371.3 EUR
+0.1 (+0.03%)
Overall 1ALV gets a fundamental rating of 5 out of 10. We evaluated 1ALV against 47 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.
1. Profitability
1.1 Basic Checks
1ALV had positive earnings in the past year.
In the past year 1ALV had a positive cash flow from operations.
1ALV had positive earnings in each of the past 5 years.
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 74.47% of its industry peers.
1ALV's Return On Equity of 26.15% is amongst the best of the industry. 1ALV outperforms 97.87% of its industry peers.
| 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 74.47% of its industry peers.
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 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.
Compared to 1 year ago, 1ALV has less shares outstanding
1ALV has less shares outstanding than it did 5 years ago.
1ALV has a worse debt/assets ratio than last year.
2.2 Solvency
1ALV has an Altman-Z score of 0.23. This is a bad value and indicates that 1ALV is not financially healthy and even has some risk of bankruptcy.
1ALV has a better Altman-Z score (0.23) than 82.98% of its industry peers.
1ALV has a debt to FCF ratio of 1.06. This is a very positive value and a sign of high solvency as it would only need 1.06 years to pay back of all of its debts.
1ALV's Debt to FCF ratio of 1.06 is amongst the best of the industry. 1ALV outperforms 91.49% 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 of 0.64. This is in the better half of the industry: 1ALV outperforms 61.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | 0.23 |
ROIC/WACCN/A
WACC6.65%
2.3 Liquidity
A Current Ratio of 0.05 indicates that 1ALV may have some problems paying 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 65.96% of the companies in the same industry.
A Quick Ratio of 0.05 indicates that 1ALV may have some problems paying its short term obligations.
1ALV's Quick ratio of 0.05 is fine compared to the rest of the industry. 1ALV outperforms 65.96% of its industry peers.
| 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 10.30% 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 decrease in Revenue. In the last year, the revenue decreased by -2.53%.
The Revenue has been decreasing by -8.64% on average over the past years.
EPS 1Y (TTM)10.3%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%9.96%
Revenue 1Y (TTM)-2.53%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
3.2 Future
The Earnings Per Share is expected to grow by 7.85% on average over the next years.
Based on estimates for the next years, 1ALV will show a very strong growth in Revenue. The Revenue will grow by 22.21% on average per year.
EPS Next Y11.03%
EPS Next 2Y9.42%
EPS Next 3Y8.83%
EPS Next 5Y7.85%
Revenue Next Year5.37%
Revenue Next 2Y5.47%
Revenue Next 3Y4.9%
Revenue Next 5Y22.21%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 13.70.
Compared to the rest of the industry, the Price/Earnings ratio of 1ALV is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.31. 1ALV is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 12.16, the valuation of 1ALV can be described as correct.
1ALV's Price/Forward Earnings ratio is in line with the industry average.
1ALV is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.7 | ||
| Fwd PE | 12.16 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1ALV is valued cheaply inside the industry as 85.11% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.11 | ||
| EV/EBITDA | N/A |
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)1.24
PEG (5Y)2.2
EPS Next 2Y9.42%
EPS Next 3Y8.83%
5. Dividend
5.1 Amount
1ALV has a Yearly Dividend Yield of 4.14%, which is a nice return.
Compared to an average industry Dividend Yield of 4.44, 1ALV is paying slightly less dividend.
1ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.14% |
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.
1ALV's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.12%
EPS Next 2Y9.42%
EPS Next 3Y8.83%
BIT:1ALV (11/28/2025, 1:46:58 PM)
371.3
+0.1 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.21%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap143.38B
Revenue(TTM)66.02B
Net Income(TTM)14.96B
Analysts70.43
Price Target379.27 (2.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.14% |
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)0.7%
PT rev (3m)1.11%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)0.82%
EPS NY rev (1m)0.81%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)-3.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.7 | ||
| Fwd PE | 12.16 | ||
| P/S | 1.05 | ||
| P/FCF | 4.11 | ||
| P/OCF | 3.89 | ||
| P/B | 2.51 | ||
| P/tB | 3.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)27.1
EY7.3%
EPS(NY)30.53
Fwd EY8.22%
FCF(TTM)90.32
FCFY24.32%
OCF(TTM)95.35
OCFY25.68%
SpS352.12
BVpS148.11
TBVpS100.5
PEG (NY)1.24
PEG (5Y)2.2
Graham Number300.52
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
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 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
WACC6.65%
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)10.3%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%9.96%
EPS Next Y11.03%
EPS Next 2Y9.42%
EPS Next 3Y8.83%
EPS Next 5Y7.85%
Revenue 1Y (TTM)-2.53%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
Revenue Next Year5.37%
Revenue Next 2Y5.47%
Revenue Next 3Y4.9%
Revenue Next 5Y22.21%
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%
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 for 1ALV 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.
What are the PE and PB ratios of ALLIANZ SE-REG (1ALV.MI) stock?
The Price/Earnings (PE) ratio for ALLIANZ SE-REG (1ALV.MI) is 13.7 and the Price/Book (PB) ratio is 2.51.
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 11.03% in the next year.