ALLIANZ SE-REG (ALV.DE) Fundamental Analysis & Valuation

FRA:ALV • DE0008404005

Current stock price

386.8 EUR
-5.1 (-1.3%)
Last:

This ALV.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. ALV.DE Profitability Analysis

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.
  • Each year in the past 5 years ALV had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B

1.2 Ratios

  • The Return On Assets of ALV (1.55%) is comparable to the rest of the industry.
  • With an excellent Return On Equity value of 25.27%, ALV belongs to the best of the industry, outperforming 92.11% of the companies in the same industry.
Industry RankSector Rank
ROA 1.55%
ROE 25.27%
ROIC N/A
ROA(3y)0.94%
ROA(5y)0.82%
ROE(3y)15.85%
ROE(5y)13.47%
ROIC(3y)N/A
ROIC(5y)N/A
ALV.DE Yearly ROA, ROE, ROICALV.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • ALV has a Profit Margin of 11.12%. This is in the better half of the industry: ALV outperforms 71.05% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 11.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y37.1%
PM growth 5Y15.23%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

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5

2. ALV.DE Health Analysis

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
  • Compared to 1 year ago, ALV has a worse debt to assets ratio.
ALV.DE Yearly Shares OutstandingALV.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
ALV.DE Yearly Total Debt VS Total AssetsALV.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

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.
  • ALV has a Altman-Z score of 0.23. This is in the better half of the industry: ALV outperforms 78.95% of its industry peers.
  • The Debt to FCF ratio of ALV is 1.14, which is an excellent value as it means it would take ALV, only 1.14 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.14, ALV belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
  • A Debt/Equity ratio of 0.56 indicates that ALV is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.56, ALV is in line with its industry, outperforming 57.89% of the companies in the same industry.
  • Although ALV's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 0.56
Debt/FCF 1.14
Altman-Z 0.23
ROIC/WACCN/A
WACC6.81%
ALV.DE Yearly LT Debt VS Equity VS FCFALV.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

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.
  • The Current ratio of ALV (0.04) is better than 63.16% of its industry peers.
  • 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.
  • ALV has a Quick ratio of 0.04. This is in the better half of the industry: ALV outperforms 63.16% of its industry peers.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
ALV.DE Yearly Current Assets VS Current LiabilitesALV.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. ALV.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.29% over the past year.
  • Measured over the past years, ALV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.50% on average per year.
  • The Revenue has grown by 20.45% in the past year. This is a very strong growth!
  • Measured over the past years, ALV shows a decrease in Revenue. The Revenue has been decreasing by -5.18% on average per year.
EPS 1Y (TTM)9.29%
EPS 3Y19.77%
EPS 5Y11.5%
EPS Q2Q%12.03%
Revenue 1Y (TTM)20.45%
Revenue growth 3Y-13.25%
Revenue growth 5Y-5.18%
Sales Q2Q%22.47%

3.2 Future

  • ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.37% yearly.
  • Based on estimates for the next years, ALV will show a very strong growth in Revenue. The Revenue will grow by 20.21% on average per year.
EPS Next Y11.19%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
EPS Next 5Y7.37%
Revenue Next Year7.16%
Revenue Next 2Y6.44%
Revenue Next 3Y8.37%
Revenue Next 5Y20.21%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ALV.DE Yearly Revenue VS EstimatesALV.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B 200B
ALV.DE Yearly EPS VS EstimatesALV.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10 20 30 40

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4

4. ALV.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.88, the valuation of ALV can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of ALV is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, ALV is valued a bit cheaper.
  • ALV is valuated correctly with a Price/Forward Earnings ratio of 12.48.
  • Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than 60.53% of the companies in the same industry.
  • ALV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.99.
Industry RankSector Rank
PE 13.88
Fwd PE 12.48
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

  • Based on the Price/Free Cash Flow ratio, ALV is valued a bit cheaper than the industry average as 76.32% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.75
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)1.24
PEG (5Y)1.21
EPS Next 2Y8.98%
EPS Next 3Y8.59%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ALV.DE Dividend Analysis

5.1 Amount

  • ALV has a Yearly Dividend Yield of 4.38%, which is a nice return.
  • ALV's Dividend Yield is comparable with the industry average which is at 4.46.
  • Compared to an average S&P500 Dividend Yield of 1.82, ALV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.38%

5.2 History

  • On average, the dividend of ALV grows each year by 11.82%, which is quite nice.
Dividend Growth(5Y)11.82%
Div Incr Years2
Div Non Decr Years7
ALV.DE Yearly Dividends per shareALV.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 5 10 15

5.3 Sustainability

  • ALV pays out 40.30% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • ALV's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.3%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
ALV.DE Yearly Income VS Free CF VS DividendALV.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B
ALV.DE Dividend Payout.ALV.DE Dividend Payout, showing the Payout Ratio.ALV.DE Dividend Payout.PayoutRetained Earnings

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ALV.DE Fundamentals: All Metrics, Ratios and Statistics

ALLIANZ SE-REG

FRA:ALV (4/29/2026, 3:54:17 PM)

386.8

-5.1 (-1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength80.41
Industry Growth69.33
Earnings (Last)02-26
Earnings (Next)05-13
Inst Owners40.7%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap147.15B
Revenue(TTM)142.55B
Net Income(TTM)15.85B
Analysts72.31
Price Target407.75 (5.42%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.38%
Yearly Dividend16.67
Dividend Growth(5Y)11.82%
DP40.3%
Div Incr Years2
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.33%
Min EPS beat(2)-1.36%
Max EPS beat(2)0.7%
EPS beat(4)2
Avg EPS beat(4)-0.17%
Min EPS beat(4)-6.76%
Max EPS beat(4)6.75%
EPS beat(8)5
Avg EPS beat(8)2.37%
EPS beat(12)5
Avg EPS beat(12)-1.51%
EPS beat(16)6
Avg EPS beat(16)-5.6%
Revenue beat(2)2
Avg Revenue beat(2)23.69%
Min Revenue beat(2)17.54%
Max Revenue beat(2)29.84%
Revenue beat(4)4
Avg Revenue beat(4)34.34%
Min Revenue beat(4)17.54%
Max Revenue beat(4)57.06%
Revenue beat(8)8
Avg Revenue beat(8)29.95%
Revenue beat(12)11
Avg Revenue beat(12)55.19%
Revenue beat(16)13
Avg Revenue beat(16)46.62%
PT rev (1m)1.57%
PT rev (3m)2.86%
EPS NQ rev (1m)-1.34%
EPS NQ rev (3m)-1.41%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)1.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)2.39%
Revenue NY rev (3m)1.91%
Valuation
Industry RankSector Rank
PE 13.88
Fwd PE 12.48
P/S 1.03
P/FCF 4.75
P/OCF 4.42
P/B 2.35
P/tB 3.34
EV/EBITDA N/A
EPS(TTM)27.87
EY7.21%
EPS(NY)30.99
Fwd EY8.01%
FCF(TTM)81.46
FCFY21.06%
OCF(TTM)87.42
OCFY22.6%
SpS374.72
BVpS164.88
TBVpS115.92
PEG (NY)1.24
PEG (5Y)1.21
Graham Number321.542 (-16.87%)
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 25.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.12%
GM N/A
FCFM 21.74%
ROA(3y)0.94%
ROA(5y)0.82%
ROE(3y)15.85%
ROE(5y)13.47%
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 3Y37.1%
PM growth 5Y15.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 103.99%
Cap/Sales 1.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 195.53%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z 0.23
F-Score6
WACC6.81%
ROIC/WACCN/A
Cap/Depr(3y)95.7%
Cap/Depr(5y)83.44%
Cap/Sales(3y)2.89%
Cap/Sales(5y)2.25%
Profit Quality(3y)288.81%
Profit Quality(5y)296.75%
High Growth Momentum
Growth
EPS 1Y (TTM)9.29%
EPS 3Y19.77%
EPS 5Y11.5%
EPS Q2Q%12.03%
EPS Next Y11.19%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
EPS Next 5Y7.37%
Revenue 1Y (TTM)20.45%
Revenue growth 3Y-13.25%
Revenue growth 5Y-5.18%
Sales Q2Q%22.47%
Revenue Next Year7.16%
Revenue Next 2Y6.44%
Revenue Next 3Y8.37%
Revenue Next 5Y20.21%
EBIT growth 1Y61.71%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year6.18%
EBIT Next 3Y5.59%
EBIT Next 5YN/A
FCF growth 1Y2.87%
FCF growth 3Y24.33%
FCF growth 5Y0.03%
OCF growth 1Y3.79%
OCF growth 3Y23.3%
OCF growth 5Y0.53%

ALLIANZ SE-REG / ALV.DE Fundamental Analysis 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 of ALLIANZ SE-REG (ALV.DE) stock?

ChartMill assigns a valuation rating of 4 / 10 to ALLIANZ SE-REG (ALV.DE). This can be considered as Fairly Valued.


What is the profitability of ALV stock?

ALLIANZ SE-REG (ALV.DE) has a profitability rating of 4 / 10.


What is the financial health of ALLIANZ SE-REG (ALV.DE) stock?

The financial health rating of ALLIANZ SE-REG (ALV.DE) is 5 / 10.


Can you provide the dividend sustainability for ALV stock?

The dividend rating of ALLIANZ SE-REG (ALV.DE) is 6 / 10 and the dividend payout ratio is 40.3%.