ALLIANZ SE-REG (1ALV.MI) Stock Fundamental Analysis
Europe - BIT:1ALV - DE0008404005 - Common Stock
352.7 EUR
-0.3 (-0.08%)
Overall 1ALV gets a fundamental rating of 5 out of 10. We evaluated 1ALV against 39 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1ALV was profitable.
1ALV had a positive operating cash flow in the past year.
Each year in the past 5 years 1ALV has been profitable.
1ALV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.51%, 1ALV is doing good in the industry, outperforming 69.23% of the companies in the same industry.
With an excellent Return On Equity value of 26.15%, 1ALV belongs to the best of the industry, outperforming 92.31% 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
With a decent Profit Margin value of 11.00%, 1ALV is doing good in the industry, outperforming 69.23% of the companies in the same industry.
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.
The number of shares outstanding for 1ALV has been reduced compared to 1 year ago.
1ALV has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 1ALV is higher compared to a year ago.
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 has a Altman-Z score of 0.23. This is amongst the best in the industry. 1ALV outperforms 82.05% of its industry peers.
1ALV has a debt to FCF ratio of 1.06. 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 87.18% 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 (0.64) which is in line with 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | 0.23 |
ROIC/WACCN/A
WACC6.68%
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.
The Current ratio of 1ALV (0.05) is better than 61.54% 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 61.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
1ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.21%, which is quite good.
The Earnings Per Share has been growing slightly by 6.23% on average over the past years.
1ALV shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.86%.
The Revenue has been decreasing by -8.64% on average over the past years.
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
The Earnings Per Share is expected to grow by 7.39% on average over the next years.
The Revenue is expected to grow by 21.62% on average over the next years. This is a very strong growth
EPS Next Y10.13%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
EPS Next 5Y7.39%
Revenue Next Year4.93%
Revenue Next 2Y5.32%
Revenue Next 3Y4.97%
Revenue Next 5Y21.62%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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
The Price/Earnings ratio is 13.34, which indicates a correct valuation of 1ALV.
The rest of the industry has a similar Price/Earnings ratio as 1ALV.
1ALV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.67.
The Price/Forward Earnings ratio is 11.59, which indicates a very decent valuation of 1ALV.
Based on the Price/Forward Earnings ratio, 1ALV is valued a bit more expensive than 64.10% of the companies in the same industry.
1ALV is valuated cheaply when we compare the Price/Forward Earnings ratio to 31.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.34 | ||
| Fwd PE | 11.59 |
4.2 Price Multiples
1ALV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 1ALV is cheaper than 87.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.91 | ||
| 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)1.32
PEG (5Y)2.14
EPS Next 2Y9.23%
EPS Next 3Y7.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.32%, 1ALV is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.51, 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 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.32% |
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 3Y7.62%
BIT:1ALV (11/6/2025, 3:59:27 PM)
352.7
-0.3 (-0.08%)
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 Cap136.20B
Revenue(TTM)135.98B
Net Income(TTM)14.96B
Analysts70.43
Price Target376.57 (6.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.32% |
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)0.18%
PT rev (3m)-0.15%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)2.01%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-4.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.34 | ||
| Fwd PE | 11.59 | ||
| P/S | 1 | ||
| P/FCF | 3.91 | ||
| P/OCF | 3.7 | ||
| P/B | 2.38 | ||
| P/tB | 3.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.43
EY7.49%
EPS(NY)30.43
Fwd EY8.63%
FCF(TTM)90.32
FCFY25.61%
OCF(TTM)95.35
OCFY27.03%
SpS352.12
BVpS148.11
TBVpS100.5
PEG (NY)1.32
PEG (5Y)2.14
Graham Number296.78
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
WACC6.68%
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 Y10.13%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
EPS Next 5Y7.39%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.42%
Revenue Next Year4.93%
Revenue Next 2Y5.32%
Revenue Next 3Y4.97%
Revenue Next 5Y21.62%
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 4 / 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 13.34 and the Price/Book (PB) ratio is 2.38.
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 10.13% in the next year.