ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
FRA:ALV - Deutsche Boerse Ag - DE0008404005 - Common Stock - Currency: EUR
ALV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 38 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 has a correct valuation and a medium growth rate. ALV also has an excellent dividend rating. These ratings would make ALV suitable for dividend investing!
1. Profitability
1.1 Basic Checks
In the past year ALV was profitable.
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
The Return On Assets of ALV (1.41%) is better than 71.05% of its industry peers.
The Return On Equity of ALV (24.44%) is better than 94.74% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.68%, ALV is doing worse than 65.79% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for ALV is in line with the industry average of 2.30%.
| Industry Rank | Sector 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%
1.3 Margins
ALV has a Profit Margin of 10.07%. This is in the better half of the industry: ALV outperforms 63.16% of its industry peers.
In the last couple of years the Profit Margin of ALV has grown nicely.
ALV has a worse Operating Margin (6.18%) than 76.32% of its industry peers.
In the last couple of years the Operating Margin of ALV has declined.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
ALV has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
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 0.27. This is a bad value and indicates that ALV is not financially healthy and even has some risk of bankruptcy.
ALV has a better Altman-Z score (0.27) than 78.95% of its industry peers.
ALV 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.
ALV's Debt to FCF ratio of 1.07 is amongst the best of the industry. ALV outperforms 84.21% of its industry peers.
A Debt/Equity ratio of 0.53 indicates that ALV is somewhat dependend on debt financing.
ALV's Debt to Equity ratio of 0.53 is fine compared to the rest of the industry. ALV outperforms 63.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | 0.27 |
ROIC/WACC0.1
WACC6.51%
2.3 Liquidity
ALV has a Current Ratio of 0.04. This is a bad value and indicates that ALV is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.04, ALV is doing good in the industry, outperforming 68.42% of the companies in the same industry.
ALV has a Quick Ratio of 0.04. 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 (0.04) is better than 68.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.76%, which is quite good.
ALV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.23% yearly.
Looking at the last year, ALV shows a small growth in Revenue. The Revenue has grown by 3.04% in the last year.
ALV 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
Based on estimates for the next years, ALV will show a small growth in Earnings Per Share. The EPS will grow by 6.22% on average per year.
ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.23% yearly.
EPS Next Y10.29%
EPS Next 2Y9.28%
EPS Next 3Y8.91%
EPS Next 5Y6.22%
Revenue Next Year15.43%
Revenue Next 2Y10.63%
Revenue Next 3Y9.36%
Revenue Next 5Y21.23%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.10, ALV is valued correctly.
ALV's Price/Earnings ratio is in line with the industry average.
ALV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.
Based on the Price/Forward Earnings ratio of 10.95, the valuation of ALV can be described as reasonable.
ALV's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of ALV to the average of the S&P500 Index (22.19), we can say ALV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.1 | ||
| Fwd PE | 10.95 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ALV indicates a somewhat cheap valuation: ALV is cheaper than 60.53% of the companies listed in the same industry.
89.47% of the companies in the same industry are more expensive than ALV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.27 | ||
| EV/EBITDA | 11.7 |
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)1.27
PEG (5Y)2.1
EPS Next 2Y9.28%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.49%, ALV is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.47, 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 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.49% |
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
39.04% of the earnings are spent on dividend by ALV. This is a low number and sustainable payout ratio.
The dividend of ALV 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%
FRA:ALV (6/19/2025, 5:36:15 PM)
333.4
-4.3 (-1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners35.71%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap128.75B
Analysts72.5
Price Target365.22 (9.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.49% |
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP39.04%
Div Incr Years1
Div Non Decr Years6
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)0.26%
PT rev (3m)6.62%
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%
Revenue NY rev (3m)4.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.1 | ||
| Fwd PE | 10.95 | ||
| P/S | 0.88 | ||
| P/FCF | 4.27 | ||
| P/OCF | 4.02 | ||
| P/B | 2.14 | ||
| P/tB | 3.13 | ||
| EV/EBITDA | 11.7 |
EPS(TTM)25.46
EY7.64%
EPS(NY)30.46
Fwd EY9.13%
FCF(TTM)78.01
FCFY23.4%
OCF(TTM)82.97
OCFY24.89%
SpS379.02
BVpS156.12
TBVpS106.59
PEG (NY)1.27
PEG (5Y)2.1
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC6.51%
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 5Y6.22%
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 5Y21.23%
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%