ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALV - DE0008404005 - Common Stock
368.3 EUR
+1.2 (+0.33%)
Overall ALV gets a fundamental rating of 5 out of 10. We evaluated ALV against 50 industry peers in the Insurance industry. Both the profitability and the financial health of ALV get a neutral evaluation. Nothing too spectacular is happening here. ALV is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
ALV had positive earnings in the past year.
ALV had a positive operating cash flow in the past year.
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
ALV's Return On Assets of 1.49% is fine compared to the rest of the industry. ALV outperforms 62.00% of its industry peers.
Looking at the Return On Equity, with a value of 25.91%, ALV belongs to the top of the industry, outperforming 92.00% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 10.90%, ALV is in the better half of the industry, outperforming 66.00% of the companies in the same industry.
ALV's Profit Margin has improved in the last couple of years.
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) | 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
Compared to 5 years ago, ALV has less shares outstanding
The debt/assets ratio for ALV is higher compared to a year ago.
2.2 Solvency
ALV has an Altman-Z score of 0.23. This is a bad value and indicates that ALV is not financially healthy and even has some risk of bankruptcy.
ALV's Altman-Z score of 0.23 is fine compared to the rest of the industry. ALV outperforms 80.00% of its industry peers.
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.
The Debt to FCF ratio of ALV (1.06) is better than 86.00% of its industry peers.
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 in line with its industry peers.
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 | 0.23 |
ROIC/WACCN/A
WACC6.63%
2.3 Liquidity
A Current Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
ALV has a Current ratio of 0.05. This is in the better half of the industry: ALV outperforms 62.00% 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.
The Quick ratio of ALV (0.05) is better than 62.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.30%, which is quite good.
The Earnings Per Share has been growing slightly by 6.23% on average over the past years.
ALV 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 7.87% on average over the next years.
ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.27% yearly.
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
The Price/Earnings ratio is 13.59, which indicates a correct valuation of ALV.
Compared to the rest of the industry, the Price/Earnings ratio of ALV is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.49. ALV is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 12.09, ALV is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALV indicates a slightly more expensive valuation: ALV is more expensive than 64.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.69. ALV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.59 | ||
| Fwd PE | 12.09 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ALV is valued cheaply inside the industry as 84.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.02 | ||
| 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)1.32
PEG (5Y)2.18
EPS Next 2Y9.3%
EPS Next 3Y8.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.04%, ALV has a reasonable but not impressive dividend return.
ALV's Dividend Yield is slightly below the industry average, which is at 4.38.
Compared to an average S&P500 Dividend Yield of 2.31, ALV pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
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
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 (12/8/2025, 11:25:06 AM)
368.3
+1.2 (+0.33%)
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 Cap140.11B
Revenue(TTM)137.70B
Net Income(TTM)14.82B
Analysts72.17
Price Target387.03 (5.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
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)2.6%
PT rev (3m)2.85%
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)-4.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.59 | ||
| Fwd PE | 12.09 | ||
| P/S | 1.03 | ||
| P/FCF | 4.02 | ||
| P/OCF | 3.81 | ||
| P/B | 2.45 | ||
| P/tB | 3.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)27.1
EY7.36%
EPS(NY)30.47
Fwd EY8.27%
FCF(TTM)91.68
FCFY24.89%
OCF(TTM)96.79
OCFY26.28%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.32
PEG (5Y)2.18
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 | 0.23 |
F-Score7
WACC6.63%
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 4 / 10 and the dividend payout ratio is 42.51%.