ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALV - DE0008404005 - Common Stock
391 EUR
+0.6 (+0.15%)
ALV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 45 industry peers in the Insurance industry. ALV has an average financial health and profitability rating. ALV has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
ALV had positive earnings in the past year.
In the past year ALV had a positive cash flow from operations.
Each year in the past 5 years ALV has been profitable.
In the past 5 years ALV always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.49%, ALV is in the better half of the industry, outperforming 62.22% of the companies in the same industry.
ALV's Return On Equity of 25.91% is amongst the best of the industry. ALV outperforms 93.33% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With a decent Profit Margin value of 10.90%, ALV is doing good in the industry, outperforming 68.89% of the companies in the same industry.
ALV's Profit Margin has improved in the last couple of years.
ALV 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) | 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
2. Health
2.1 Basic Checks
ALV does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ALV has less shares outstanding
ALV has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ALV has a worse debt to assets ratio.
2.2 Solvency
ALV has an Altman-Z score of 0.24. This is a bad value and indicates that ALV is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.24, ALV belongs to the best of the industry, outperforming 82.22% of the companies in the same industry.
The Debt to FCF ratio of ALV is 1.06, which is an excellent value as it means it would take ALV, only 1.06 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 1.06, ALV belongs to the best of the industry, outperforming 84.44% of the companies in the same industry.
A Debt/Equity ratio of 0.64 indicates that ALV is somewhat dependend on debt financing.
ALV has a Debt to Equity ratio (0.64) which is comparable to the rest of the industry.
Although ALV 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 | 0.24 |
ROIC/WACCN/A
WACC6.7%
2.3 Liquidity
ALV has a Current 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 Current ratio, with a value of 0.05, ALV is in the better half of the industry, outperforming 68.89% of the companies in the same industry.
A Quick Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
The Quick ratio of ALV (0.05) is better than 68.89% 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.
The Earnings Per Share has been growing slightly by 6.23% on average over the past years.
Looking at the last year, ALV shows a quite strong growth in Revenue. The Revenue has grown by 13.94% in the last year.
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
ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.87% yearly.
The Revenue is expected to grow by 22.27% on average over the next years. This is a very strong growth
EPS Next Y10.3%
EPS Next 2Y9.3%
EPS Next 3Y8.59%
EPS Next 5Y7.87%
Revenue Next Year4.78%
Revenue Next 2Y4.99%
Revenue Next 3Y10.44%
Revenue Next 5Y22.27%
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.
4. Valuation
4.1 Price/Earnings Ratio
ALV is valuated correctly with a Price/Earnings ratio of 14.43.
ALV's Price/Earnings is on the same level as the industry average.
ALV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.57.
A Price/Forward Earnings ratio of 12.83 indicates a correct valuation of ALV.
Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than the industry average as 64.44% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 24.04. ALV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.43 | ||
| Fwd PE | 12.83 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ALV indicates a rather cheap valuation: ALV is cheaper than 84.44% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ALV's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.4
PEG (5Y)2.32
EPS Next 2Y9.3%
EPS Next 3Y8.59%
5. Dividend
5.1 Amount
ALV has a Yearly Dividend Yield of 3.94%. Purely for dividend investing, there may be better candidates out there.
ALV's Dividend Yield is comparable with the industry average which is at 3.88.
Compared to an average S&P500 Dividend Yield of 2.00, ALV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.94% |
5.2 History
The dividend of ALV is nicely growing with an annual growth rate of 8.88%!
Dividend Growth(5Y)8.88%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
42.51% of the earnings are spent on dividend by ALV. 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.
DP42.51%
EPS Next 2Y9.3%
EPS Next 3Y8.59%
FRA:ALV (12/23/2025, 7:00:00 PM)
391
+0.6 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners41.71%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap148.74B
Revenue(TTM)137.70B
Net Income(TTM)14.82B
Analysts72.17
Price Target390.63 (-0.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.94% |
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.51%
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)3.56%
PT rev (3m)3.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.82%
EPS NY rev (1m)-0.66%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)-0.56%
Revenue NY rev (3m)-3.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.43 | ||
| Fwd PE | 12.83 | ||
| P/S | 1.09 | ||
| P/FCF | 4.26 | ||
| P/OCF | 4.04 | ||
| P/B | 2.6 | ||
| P/tB | 3.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)27.1
EY6.93%
EPS(NY)30.47
Fwd EY7.79%
FCF(TTM)91.68
FCFY23.45%
OCF(TTM)96.79
OCFY24.75%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.4
PEG (5Y)2.32
Graham Number302.78
Profitability
| Industry Rank | Sector 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 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 | 235.39% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | 0.24 |
F-Score7
WACC6.7%
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 Y10.3%
EPS Next 2Y9.3%
EPS Next 3Y8.59%
EPS Next 5Y7.87%
Revenue 1Y (TTM)13.94%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
Revenue Next Year4.78%
Revenue Next 2Y4.99%
Revenue Next 3Y10.44%
Revenue Next 5Y22.27%
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 / ALV.DE FAQ
Can you provide the ChartMill fundamental rating for ALLIANZ SE-REG?
ChartMill assigns a fundamental rating of 5 / 10 to ALV.DE.
What is the valuation status for ALV stock?
ChartMill assigns a valuation rating of 4 / 10 to ALLIANZ SE-REG (ALV.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for ALLIANZ SE-REG?
ALLIANZ SE-REG (ALV.DE) has a profitability rating of 4 / 10.
How financially healthy is ALLIANZ SE-REG?
The financial health rating of ALLIANZ SE-REG (ALV.DE) is 5 / 10.
Is the dividend of ALLIANZ SE-REG sustainable?
The dividend rating of ALLIANZ SE-REG (ALV.DE) is 5 / 10 and the dividend payout ratio is 42.51%.