Logo image of 1ALV.MI

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

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

352.5  +4.1 (+1.18%)

Fundamental Rating

5

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.


Dividend Valuation Growth Profitability Health

5

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.
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 10B 20B 30B 40B

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 RankSector 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%
1ALV.MI Yearly ROA, ROE, ROIC1ALV.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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 RankSector 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
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 10 20 30

5

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.
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 0.27, 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 RankSector Rank
Debt/Equity 0.53
Debt/FCF 1.07
Altman-Z 0.27
ROIC/WACC0.1
WACC6.53%
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

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 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

5

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.
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

5

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 RankSector Rank
PE 13.85
Fwd PE 11.57
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

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 RankSector Rank
P/FCF 4.52
EV/EBITDA 12.15
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)1.35
PEG (5Y)2.22
EPS Next 2Y9.28%
EPS Next 3Y8.91%

7

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 RankSector 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%
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

ALLIANZ SE-REG

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)05-15 2025-05-15/bmo
Earnings (Next)08-07 2025-08-07/bmo
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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%