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 39 industry peers in the Insurance industry. ALV has an average financial health and profitability rating. ALV is not valued too expensively and it also shows a decent growth rate. Finally ALV also has an excellent dividend rating.
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.
Each year in the past 5 years ALV had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.41%, ALV is doing good in the industry, outperforming 69.23% of the companies in the same industry.
With an excellent Return On Equity value of 24.44%, ALV belongs to the best of the industry, outperforming 92.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 24.44% | ||
| 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 has a Profit Margin of 12.45%. This is in the better half of the industry: ALV outperforms 71.79% of its industry peers.
In the last couple of years the Profit Margin of ALV has grown nicely.
ALV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.45% | ||
| 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
Compared to 1 year ago, ALV has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.16, we must say that ALV is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of ALV (0.16) is better than 84.62% 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 fine compared to the rest of the industry. ALV outperforms 76.92% of its industry peers.
ALV has a Debt/Equity ratio of 0.53. This is a neutral value indicating ALV is somewhat dependend on debt financing.
ALV has a Debt to Equity ratio (0.53) which is comparable to the rest of the 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | 0.16 |
ROIC/WACCN/A
WACC6.56%
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.
ALV has a Current ratio of 0.04. This is in the better half of the industry: ALV outperforms 69.23% of its industry peers.
A Quick Ratio of 0.04 indicates that ALV may have some problems paying its short term obligations.
ALV's Quick ratio of 0.04 is fine compared to the rest of the industry. ALV outperforms 69.23% 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 negative growth in Earnings Per Share. In the last year the EPS decreased by -12.29%.
ALV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.23% yearly.
ALV shows a decrease in Revenue. In the last year, the revenue decreased by -2.53%.
ALV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.64% yearly.
EPS 1Y (TTM)-12.29%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%-88.12%
Revenue 1Y (TTM)-2.53%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%8.39%
3.2 Future
The Earnings Per Share is expected to grow by 5.85% on average over the next years.
The Revenue is expected to grow by 20.80% on average over the next years. This is a very strong growth
EPS Next Y10.29%
EPS Next 2Y9.28%
EPS Next 3Y8.91%
EPS Next 5Y5.85%
Revenue Next Year10.34%
Revenue Next 2Y8.36%
Revenue Next 3Y12.72%
Revenue Next 5Y20.8%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
A Price/Earnings ratio of 18.14 indicates a rather expensive valuation of ALV.
Based on the Price/Earnings ratio, ALV is valued a bit more expensive than the industry average as 74.36% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.48. ALV is valued slightly cheaper when compared to this.
ALV is valuated reasonably with a Price/Forward Earnings ratio of 11.98.
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 64.10% of the companies listed in the same industry.
ALV is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.14 | ||
| Fwd PE | 11.98 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ALV is valued cheaply inside the industry as 87.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.68 | ||
| EV/EBITDA | N/A |
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)1.76
PEG (5Y)2.91
EPS Next 2Y9.28%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.20%, ALV is a good candidate for dividend investing.
ALV's Dividend Yield is comparable with the industry average which is at 4.26.
Compared to an average S&P500 Dividend Yield of 2.39, ALV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
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 39.04% of its income as dividend. This is a 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 (8/8/2025, 7:00:00 PM)
365
-1.9 (-0.52%)
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 Cap140.95B
Analysts70.43
Price Target369.16 (1.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
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)-0.25%
PT rev (3m)2.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-4.41%
Revenue NY rev (3m)-4.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.14 | ||
| Fwd PE | 11.98 | ||
| P/S | 1.19 | ||
| P/FCF | 4.68 | ||
| P/OCF | 4.4 | ||
| P/B | 2.34 | ||
| P/tB | 3.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.12
EY5.51%
EPS(NY)30.46
Fwd EY8.34%
FCF(TTM)78.01
FCFY21.37%
OCF(TTM)82.97
OCFY22.73%
SpS306.46
BVpS156.12
TBVpS106.59
PEG (NY)1.76
PEG (5Y)2.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 24.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.45% | ||
| GM | N/A | ||
| FCFM | 25.46% |
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-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 1.07 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 88.9% | ||
| Cap/Sales | 1.62% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 204.49% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | 0.16 |
F-Score6
WACC6.56%
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)-12.29%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%-88.12%
EPS Next Y10.29%
EPS Next 2Y9.28%
EPS Next 3Y8.91%
EPS Next 5Y5.85%
Revenue 1Y (TTM)-2.53%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%8.39%
Revenue Next Year10.34%
Revenue Next 2Y8.36%
Revenue Next 3Y12.72%
Revenue Next 5Y20.8%
EBIT growth 1Y-49.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
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%