ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - FRA:ALV - DE0008404005 - Common Stock
351.1 EUR
+3.3 (+0.95%)
Overall ALV gets a fundamental rating of 5 out of 10. We evaluated ALV against 39 industry peers in the Insurance industry. ALV has only an average score on both its financial health and profitability. ALV has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year ALV was profitable.
In the past year ALV had a positive cash flow from operations.
Each year in the past 5 years ALV has been profitable.
ALV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.51%, ALV is in the better half of the industry, outperforming 71.79% of the companies in the same industry.
ALV's Return On Equity of 26.15% is amongst the best of the industry. ALV outperforms 94.87% 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
With a decent Profit Margin value of 11.00%, ALV is doing good in the industry, outperforming 71.79% of the companies in the same industry.
In the last couple of years the Profit Margin of ALV has grown nicely.
The Operating Margin and Gross Margin are not available for ALV so they could not be analyzed.
| 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
ALV does not have a ROIC to compare to the WACC, probably because it is not profitable.
ALV has less shares outstanding than it did 1 year ago.
The number of shares outstanding for ALV has been reduced compared to 5 years ago.
Compared to 1 year ago, ALV has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.23, we must say that ALV is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.23, ALV belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
ALV 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.
ALV has a Debt to FCF ratio of 1.06. This is amongst the best in the industry. ALV outperforms 89.74% of its industry peers.
ALV has a Debt/Equity ratio of 0.64. This is a neutral value indicating ALV is somewhat dependend on debt financing.
ALV has a Debt to Equity ratio of 0.64. This is in the better half of the industry: ALV outperforms 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | 0.23 |
ROIC/WACCN/A
WACC6.67%
2.3 Liquidity
A Current Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
ALV has a better Current ratio (0.05) than 66.67% of its industry peers.
ALV has a Quick Ratio of 0.05. This is a bad value and indicates that ALV is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.05, ALV is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
| 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 15.21% over the past year.
ALV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.23% yearly.
ALV shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.86%.
ALV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.64% yearly.
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
ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.39% yearly.
ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.62% yearly.
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
Based on the Price/Earnings ratio of 13.28, the valuation of ALV can be described as correct.
ALV's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.42. ALV is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.54, which indicates a very decent valuation of ALV.
Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than the industry average as 64.10% of the companies are valued more cheaply.
ALV is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 11.54 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ALV is valued cheaply inside the industry as 89.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.31
PEG (5Y)2.13
EPS Next 2Y9.23%
EPS Next 3Y7.62%
5. Dividend
5.1 Amount
ALV has a Yearly Dividend Yield of 4.23%, which is a nice return.
Compared to an average industry Dividend Yield of 4.55, ALV has a dividend in line with its industry peers.
ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.23% |
5.2 History
On average, the dividend of ALV grows each year by 8.88%, which is quite nice.
Dividend Growth(5Y)8.88%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
ALV pays out 42.12% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of ALV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.12%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
FRA:ALV (10/20/2025, 5:36:15 PM)
351.1
+3.3 (+0.95%)
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 Cap135.58B
Analysts70.43
Price Target376.54 (7.25%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.23% |
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.12%
Div Incr Years1
Div Non Decr Years6
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%
PT rev (3m)1.75%
EPS NQ rev (1m)0.49%
EPS NQ rev (3m)2.69%
EPS NY rev (1m)0.13%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.36%
Revenue NY rev (1m)-3.71%
Revenue NY rev (3m)-9.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 11.54 | ||
| P/S | 1 | ||
| P/FCF | 3.89 | ||
| P/OCF | 3.68 | ||
| P/B | 2.37 | ||
| P/tB | 3.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.43
EY7.53%
EPS(NY)30.43
Fwd EY8.67%
FCF(TTM)90.32
FCFY25.72%
OCF(TTM)95.35
OCFY27.16%
SpS352.12
BVpS148.11
TBVpS100.5
PEG (NY)1.31
PEG (5Y)2.13
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
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-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
WACC6.67%
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%