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

Europe • Euronext Milan • BIT:1ALV • DE0008404005

387.5 EUR
+3.2 (+0.83%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall 1ALV gets a fundamental rating of 5 out of 10. We evaluated 1ALV against 47 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.


Dividend Valuation Growth Profitability Health

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

1.2 Ratios

  • 1ALV's Return On Assets of 1.49% is fine compared to the rest of the industry. 1ALV outperforms 61.70% of its industry peers.
  • With an excellent Return On Equity value of 25.91%, 1ALV belongs to the best of the industry, outperforming 93.62% of the companies in the same industry.
Industry RankSector Rank
ROA 1.49%
ROE 25.91%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 10.90%, 1ALV is doing good in the industry, outperforming 65.96% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1ALV has grown nicely.
  • 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) 10.9%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • Compared to 5 years ago, 1ALV has less shares outstanding
  • Compared to 1 year ago, 1ALV has a worse debt to assets ratio.
1ALV.MI Yearly Shares Outstanding1ALV.MI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

2.2 Solvency

  • 1ALV has an Altman-Z score of 0.24. This is a bad value and indicates that 1ALV is not financially healthy and even has some risk of bankruptcy.
  • 1ALV has a Altman-Z score of 0.24. This is amongst the best in the industry. 1ALV outperforms 82.98% 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.
  • 1ALV has a Debt to FCF ratio of 1.06. This is amongst the best in the industry. 1ALV outperforms 82.98% 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.
  • Looking at the Debt to Equity ratio, with a value of 0.64, 1ALV is in line with its industry, outperforming 53.19% of the companies in the same industry.
  • 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 0.64
Debt/FCF 1.06
Altman-Z 0.24
ROIC/WACCN/A
WACC6.82%
1ALV.MI Yearly LT Debt VS Equity VS FCF1ALV.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.3 Liquidity

  • A Current Ratio of 0.05 indicates that 1ALV may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.05, 1ALV is doing good in the industry, outperforming 68.09% 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.
  • Looking at the Quick ratio, with a value of 0.05, 1ALV is in the better half of the industry, outperforming 68.09% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
1ALV.MI Yearly Current Assets VS Current Liabilites1ALV.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • 1ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.30%, which is quite good.
  • 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.
  • 1ALV shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.94%.
  • 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)13.94%
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 7.56% on average over the next years.
  • 1ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.91% yearly.
EPS Next Y11.59%
EPS Next 2Y9.54%
EPS Next 3Y8.69%
EPS Next 5Y7.56%
Revenue Next Year3.93%
Revenue Next 2Y4.46%
Revenue Next 3Y10.44%
Revenue Next 5Y21.91%

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 accelerating.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 10 20 30 40

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4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.30, 1ALV is valued correctly.
  • 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 (27.92), we can say 1ALV is valued slightly cheaper.
  • 1ALV is valuated correctly with a Price/Forward Earnings ratio of 12.67.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ALV indicates a slightly more expensive valuation: 1ALV is more expensive than 65.96% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of 1ALV to the average of the S&P500 Index (27.78), we can say 1ALV is valued rather cheaply.
Industry RankSector Rank
PE 14.3
Fwd PE 12.67
1ALV.MI Price Earnings VS Forward Price Earnings1ALV.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1ALV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 1ALV is cheaper than 85.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.23
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)1.23
PEG (5Y)2.3
EPS Next 2Y9.54%
EPS Next 3Y8.69%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • 1ALV has a Yearly Dividend Yield of 4.01%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.12, 1ALV is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.83, 1ALV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.01%

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

  • 42.51% of the earnings are spent on dividend by 1ALV. This is a bit on the high side, but may be sustainable.
  • The dividend of 1ALV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.51%
EPS Next 2Y9.54%
EPS Next 3Y8.69%
1ALV.MI Yearly Income VS Free CF VS Dividend1ALV.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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

More info and screens

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ALLIANZ SE-REG

BIT:1ALV (2/6/2026, 7:00:00 PM)

387.5

+3.2 (+0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-14
Earnings (Next)02-26
Inst Owners41.41%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap147.41B
Revenue(TTM)137.70B
Net Income(TTM)14.82B
Analysts73.04
Price Target397.69 (2.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.01%
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.51%
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)2.37%
PT rev (3m)5.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.86%
EPS NY rev (1m)0.91%
EPS NY rev (3m)1.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.95%
Valuation
Industry RankSector Rank
PE 14.3
Fwd PE 12.67
P/S 1.08
P/FCF 4.23
P/OCF 4
P/B 2.58
P/tB 3.8
EV/EBITDA N/A
EPS(TTM)27.1
EY6.99%
EPS(NY)30.6
Fwd EY7.9%
FCF(TTM)91.68
FCFY23.66%
OCF(TTM)96.79
OCFY24.98%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.23
PEG (5Y)2.3
Graham Number302.78
Profitability
Industry RankSector Rank
ROA 1.49%
ROE 25.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.9%
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 RankSector 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 235.39%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z 0.24
F-Score7
WACC6.82%
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 Y11.59%
EPS Next 2Y9.54%
EPS Next 3Y8.69%
EPS Next 5Y7.56%
Revenue 1Y (TTM)13.94%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
Revenue Next Year3.93%
Revenue Next 2Y4.46%
Revenue Next 3Y10.44%
Revenue Next 5Y21.91%
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.99%
EBIT Next 3Y6.6%
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 of ALLIANZ SE-REG (1ALV.MI) 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.


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 11.59% in the next year.


Is the dividend of ALLIANZ SE-REG sustainable?

The dividend rating of ALLIANZ SE-REG (1ALV.MI) is 6 / 10 and the dividend payout ratio is 42.51%.