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ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis

FRA:ALV - DE0008404005 - Common Stock

354.1 EUR
+1.1 (+0.31%)
Last: 9/4/2025, 7:00:00 PM
Fundamental Rating

5

Taking everything into account, ALV scores 5 out of 10 in our fundamental rating. ALV was compared to 36 industry peers in the Insurance industry. ALV has only an average score on both its financial health and profitability. ALV has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

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.
In the past 5 years ALV has always been profitable.
ALV had a positive operating cash flow in each of the past 5 years.
ALV.DE Yearly Net Income VS EBIT VS OCF VS FCFALV.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

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 63.89% of the companies in the same industry.
Looking at the Return On Equity, with a value of 26.15%, ALV belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
Industry RankSector 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
ALV.DE Yearly ROA, ROE, ROICALV.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 11.00%, ALV is in the better half of the industry, outperforming 66.67% 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 RankSector 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
ALV.DE Yearly Profit, Operating, Gross MarginsALV.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

5

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.
Compared to 5 years ago, ALV has less shares outstanding
The debt/assets ratio for ALV is higher compared to a year ago.
ALV.DE Yearly Shares OutstandingALV.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
ALV.DE Yearly Total Debt VS Total AssetsALV.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

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.
With an excellent Altman-Z score value of 0.23, ALV belongs to the best of the industry, outperforming 83.33% 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 83.33% of the companies in the same industry.
ALV has a Debt/Equity ratio of 0.64. This is a neutral value indicating ALV is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.64, ALV perfoms like the industry average, outperforming 50.00% of the companies in the same 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 RankSector Rank
Debt/Equity 0.64
Debt/FCF 1.06
Altman-Z 0.23
ROIC/WACCN/A
WACC6.63%
ALV.DE Yearly LT Debt VS Equity VS FCFALV.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

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 63.89% 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.
ALV's Quick ratio of 0.05 is fine compared to the rest of the industry. ALV outperforms 63.89% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
ALV.DE Yearly Current Assets VS Current LiabilitesALV.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.21% over the past year.
The Earnings Per Share has been growing slightly by 6.23% on average over the past years.
The Revenue has grown by 13.86% in the past year. This is quite good.
The Revenue has been decreasing by -8.64% on average over the past years.
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

The Earnings Per Share is expected to grow by 7.52% 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 21.76% yearly.
EPS Next Y9.99%
EPS Next 2Y9.23%
EPS Next 3Y7.6%
EPS Next 5Y7.52%
Revenue Next Year9.24%
Revenue Next 2Y7.72%
Revenue Next 3Y11.9%
Revenue Next 5Y21.76%

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.
ALV.DE Yearly Revenue VS EstimatesALV.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 50B 100B 150B 200B
ALV.DE Yearly EPS VS EstimatesALV.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10 20 30 40

5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.40, which indicates a correct valuation of ALV.
ALV's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.03. ALV is valued rather cheaply when compared to this.
ALV is valuated reasonably with a Price/Forward Earnings ratio of 11.64.
ALV's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ALV is more expensive than 63.89% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, ALV is valued a bit cheaper.
Industry RankSector Rank
PE 13.4
Fwd PE 11.64
ALV.DE Price Earnings VS Forward Price EarningsALV.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

ALV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ALV is cheaper than 88.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.92
EV/EBITDA N/A
ALV.DE Per share dataALV.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

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)1.34
PEG (5Y)2.15
EPS Next 2Y9.23%
EPS Next 3Y7.6%

6

5. Dividend

5.1 Amount

ALV has a Yearly Dividend Yield of 4.26%, which is a nice return.
ALV's Dividend Yield is comparable with the industry average which is at 4.47.
Compared to an average S&P500 Dividend Yield of 2.32, ALV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.26%

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
ALV.DE Yearly Dividends per shareALV.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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 3Y7.6%
ALV.DE Yearly Income VS Free CF VS DividendALV.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B
ALV.DE Dividend Payout.ALV.DE Dividend Payout, showing the Payout Ratio.ALV.DE Dividend Payout.PayoutRetained Earnings

ALLIANZ SE-REG

FRA:ALV (9/4/2025, 7:00:00 PM)

354.1

+1.1 (+0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/bmo
Earnings (Next)11-14 2025-11-14/bmo
Inst Owners35.71%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap136.74B
Analysts70.43
Price Target375.1 (5.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.26%
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)1.22%
PT rev (3m)2.98%
EPS NQ rev (1m)2.05%
EPS NQ rev (3m)-3.56%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)-4.36%
Revenue NQ rev (3m)-1.3%
Revenue NY rev (1m)-1%
Revenue NY rev (3m)-5.36%
Valuation
Industry RankSector Rank
PE 13.4
Fwd PE 11.64
P/S 1.01
P/FCF 3.92
P/OCF 3.71
P/B 2.39
P/tB 3.52
EV/EBITDA N/A
EPS(TTM)26.43
EY7.46%
EPS(NY)30.42
Fwd EY8.59%
FCF(TTM)90.32
FCFY25.51%
OCF(TTM)95.35
OCFY26.93%
SpS352.12
BVpS148.11
TBVpS100.5
PEG (NY)1.34
PEG (5Y)2.15
Profitability
Industry RankSector 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 RankSector 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
WACC6.63%
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)15.21%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%16.01%
EPS Next Y9.99%
EPS Next 2Y9.23%
EPS Next 3Y7.6%
EPS Next 5Y7.52%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.42%
Revenue Next Year9.24%
Revenue Next 2Y7.72%
Revenue Next 3Y11.9%
Revenue Next 5Y21.76%
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%