ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:ALV • DE0008404005
371.8 EUR
+2.5 (+0.68%)
Last: Jan 30, 2026, 07:00 PM
ALV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 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
- With a decent Return On Assets value of 1.49%, ALV is doing good in the industry, outperforming 62.50% of the companies in the same industry.
- The Return On Equity of ALV (25.91%) is better than 93.75% 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
- ALV's Profit Margin of 10.90% is fine compared to the rest of the industry. ALV outperforms 68.75% of its industry peers.
- 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) | 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.
- The number of shares outstanding for ALV has been reduced compared to 1 year ago.
- Compared to 5 years ago, ALV has less shares outstanding
- ALV has a worse debt/assets ratio than last year.
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.
- The Altman-Z score of ALV (0.23) is better than 81.25% 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.
- ALV has a better Debt to FCF ratio (1.06) than 85.42% 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 of 0.64. This is comparable to the rest of the industry: ALV outperforms 52.08% of its industry peers.
- Even though the debt/equity ratio score it not favorable for ALV, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | 0.23 |
ROIC/WACCN/A
WACC6.8%
2.3 Liquidity
- A Current Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
- With a decent Current ratio value of 0.05, ALV is doing good in the industry, outperforming 66.67% 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 66.67% 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.
- Looking at the last year, ALV shows a quite strong growth in Revenue. The Revenue has grown by 13.94% in the last year.
- ALV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.64% yearly.
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
- Based on estimates for the next years, ALV will show a small growth in Earnings Per Share. The EPS will grow by 7.56% on average per year.
- Based on estimates for the next years, ALV will show a very strong growth in Revenue. The Revenue will grow by 21.91% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.72, the valuation of ALV can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of ALV indicates a somewhat cheap valuation: ALV is cheaper than 60.42% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, ALV is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 12.15, the valuation of ALV can be described as correct.
- Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than the industry average as 60.42% of the companies are valued more cheaply.
- When comparing the Price/Forward Earnings ratio of ALV to the average of the S&P500 Index (25.57), we can say ALV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.72 | ||
| Fwd PE | 12.15 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ALV is valued cheaply inside the industry as 85.42% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.06 | ||
| 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)1.18
PEG (5Y)2.2
EPS Next 2Y9.54%
EPS Next 3Y8.69%
5. Dividend
5.1 Amount
- ALV has a Yearly Dividend Yield of 4.16%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.17, 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
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 42.51% 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.
DP42.51%
EPS Next 2Y9.54%
EPS Next 3Y8.69%
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.
Can you provide the valuation status for ALLIANZ SE-REG?
ChartMill assigns a valuation rating of 5 / 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.
Can you provide the expected EPS growth for ALV stock?
The Earnings per Share (EPS) of ALLIANZ SE-REG (ALV.DE) is expected to grow by 11.59% in the next year.
How sustainable is the dividend of ALLIANZ SE-REG (ALV.DE) stock?
The dividend rating of ALLIANZ SE-REG (ALV.DE) is 6 / 10 and the dividend payout ratio is 42.51%.