ALLIANZ SE-REG (1ALV.MI) Stock Fundamental Analysis
BIT:1ALV - Euronext Milan - DE0008404005 - Common Stock - Currency: EUR
Overall 1ALV gets a fundamental rating of 5 out of 10. We evaluated 1ALV against 33 industry peers in the Insurance industry. 1ALV has an average financial health and profitability rating. 1ALV has a correct valuation and a medium growth rate. 1ALV also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
1ALV had positive earnings in the past year.
In the past year 1ALV had a positive cash flow from operations.
In the past 5 years 1ALV has always been profitable.
1ALV had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.35%, 1ALV is doing good in the industry, outperforming 63.89% of the companies in the same industry.
1ALV's Return On Equity of 24.34% is amongst the best of the industry. 1ALV outperforms 94.44% of its industry peers.
1ALV has a Return On Invested Capital of 0.95%. This is in the lower half of the industry: 1ALV underperforms 63.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.35% | ||
| ROE | 24.34% | ||
| ROIC | 0.95% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 9.24%, 1ALV perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
In the last couple of years the Profit Margin of 1ALV has grown nicely.
1ALV's Operating Margin of 8.34% is on the low side compared to the rest of the industry. 1ALV is outperformed by 61.11% of its industry peers.
In the last couple of years the Operating Margin of 1ALV has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.34% | ||
| PM (TTM) | 9.24% | ||
| GM | N/A |
OM growth 3Y21.55%
OM growth 5Y2.26%
PM growth 3Y13.46%
PM growth 5Y3.82%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1ALV is destroying value.
There is no outstanding debt for 1ALV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
Based on the Altman-Z score of 0.29, we must say that 1ALV is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.29, 1ALV belongs to the top of the industry, outperforming 80.56% of the companies in the same industry.
The Debt to FCF ratio of 1ALV is 1.23, which is an excellent value as it means it would take 1ALV, only 1.23 years of fcf income to pay off all of its debts.
1ALV's Debt to FCF ratio of 1.23 is amongst the best of the industry. 1ALV outperforms 83.33% of its industry peers.
1ALV has a Debt/Equity ratio of 0.52. This is a neutral value indicating 1ALV is somewhat dependend on debt financing.
1ALV's Debt to Equity ratio of 0.52 is fine compared to the rest of the industry. 1ALV outperforms 63.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 1.23 | ||
| Altman-Z | 0.29 |
ROIC/WACC0.15
WACC6.42%
2.3 Liquidity
A Current Ratio of 0.05 indicates that 1ALV may have some problems paying its short term obligations.
1ALV has a Current ratio of 0.05. This is in the better half of the industry: 1ALV outperforms 63.89% of its industry peers.
1ALV has a Quick Ratio of 0.05. This is a bad value and indicates that 1ALV is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.05, 1ALV is in the better half of the industry, outperforming 63.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
1ALV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.60%.
Measured over the past 5 years, 1ALV shows a small growth in Earnings Per Share. The EPS has been growing by 0.93% on average per year.
Looking at the last year, 1ALV shows a quite strong growth in Revenue. The Revenue has grown by 15.90% in the last year.
1ALV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.80% yearly.
EPS 1Y (TTM)-6.6%
EPS 3Y7.96%
EPS 5Y0.93%
EPS Q2Q%-88.22%
Revenue 1Y (TTM)15.9%
Revenue growth 3Y1.2%
Revenue growth 5Y0.8%
Sales Q2Q%-28.1%
3.2 Future
1ALV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.42% yearly.
Based on estimates for the next years, 1ALV will show a very strong growth in Revenue. The Revenue will grow by 25.12% on average per year.
EPS Next Y41.7%
EPS Next 2Y23.65%
EPS Next 3Y18.05%
EPS Next 5Y12.42%
Revenue Next Year10.89%
Revenue Next 2Y8.37%
Revenue Next 3Y7.9%
Revenue Next 5Y25.12%
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 17.40, the valuation of 1ALV can be described as rather expensive.
Based on the Price/Earnings ratio, 1ALV is valued a bit more expensive than 72.22% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. 1ALV is valued slightly cheaper when compared to this.
1ALV is valuated correctly with a Price/Forward Earnings ratio of 12.27.
Based on the Price/Forward Earnings ratio, 1ALV is valued a bit more expensive than the industry average as 72.22% of the companies are valued more cheaply.
1ALV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.4 | ||
| Fwd PE | 12.27 |
4.2 Price Multiples
75.00% of the companies in the same industry are more expensive than 1ALV, based on the Enterprise Value to EBITDA ratio.
72.22% of the companies in the same industry are more expensive than 1ALV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.68 | ||
| EV/EBITDA | 9.24 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as 1ALV's earnings are expected to grow with 18.05% in the coming years.
PEG (NY)0.42
PEG (5Y)18.68
EPS Next 2Y23.65%
EPS Next 3Y18.05%
5. Dividend
5.1 Amount
1ALV has a Yearly Dividend Yield of 4.45%, which is a nice return.
1ALV's Dividend Yield is comparable with the industry average which is at 4.64.
1ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
5.2 History
On average, the dividend of 1ALV grows each year by 6.10%, which is quite nice.
Dividend Growth(5Y)6.1%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1ALV pays out 39.78% of its income as dividend. This is a sustainable payout ratio.
1ALV's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.78%
EPS Next 2Y23.65%
EPS Next 3Y18.05%
BIT:1ALV (3/7/2025, 7:00:00 PM)
343.4
+9.5 (+2.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.56%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap132.61B
Analysts75.2
Price Target342.43 (-0.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend11.45
Dividend Growth(5Y)6.1%
DP39.78%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.58%
Min EPS beat(2)3.98%
Max EPS beat(2)9.18%
EPS beat(4)2
Avg EPS beat(4)-2.61%
Min EPS beat(4)-18.73%
Max EPS beat(4)9.18%
EPS beat(8)3
Avg EPS beat(8)-1.39%
EPS beat(12)4
Avg EPS beat(12)-16.7%
EPS beat(16)7
Avg EPS beat(16)-8.35%
Revenue beat(2)2
Avg Revenue beat(2)24.3%
Min Revenue beat(2)22.14%
Max Revenue beat(2)26.46%
Revenue beat(4)4
Avg Revenue beat(4)81.66%
Min Revenue beat(4)22.14%
Max Revenue beat(4)144.79%
Revenue beat(8)6
Avg Revenue beat(8)58.74%
Revenue beat(12)9
Avg Revenue beat(12)50.81%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.15%
PT rev (3m)9.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.47%
EPS NY rev (3m)1.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-49.92%
Revenue NY rev (3m)-48.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.4 | ||
| Fwd PE | 12.27 | ||
| P/S | 0.91 | ||
| P/FCF | 5.68 | ||
| P/OCF | 5.19 | ||
| P/B | 2.39 | ||
| P/tB | 3.63 | ||
| EV/EBITDA | 9.24 |
EPS(TTM)19.74
EY5.75%
EPS(NY)27.98
Fwd EY8.15%
FCF(TTM)60.46
FCFY17.61%
OCF(TTM)66.22
OCFY19.29%
SpS378.79
BVpS143.75
TBVpS94.54
PEG (NY)0.42
PEG (5Y)18.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.35% | ||
| ROE | 24.34% | ||
| ROCE | 1.25% | ||
| ROIC | 0.95% | ||
| ROICexc | 0.98% | ||
| ROICexgc | 1.26% | ||
| OM | 8.34% | ||
| PM (TTM) | 9.24% | ||
| GM | N/A | ||
| FCFM | 15.96% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y21.55%
OM growth 5Y2.26%
PM growth 3Y13.46%
PM growth 5Y3.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 1.23 | ||
| Debt/EBITDA | 1.99 | ||
| Cap/Depr | 100.86% | ||
| Cap/Sales | 1.52% | ||
| Interest Coverage | 8.51 | ||
| Cash Conversion | 177.44% | ||
| Profit Quality | 172.76% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | 0.29 |
F-Score8
WACC6.42%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.6%
EPS 3Y7.96%
EPS 5Y0.93%
EPS Q2Q%-88.22%
EPS Next Y41.7%
EPS Next 2Y23.65%
EPS Next 3Y18.05%
EPS Next 5Y12.42%
Revenue 1Y (TTM)15.9%
Revenue growth 3Y1.2%
Revenue growth 5Y0.8%
Sales Q2Q%-28.1%
Revenue Next Year10.89%
Revenue Next 2Y8.37%
Revenue Next 3Y7.9%
Revenue Next 5Y25.12%
EBIT growth 1Y-18.77%
EBIT growth 3Y23.01%
EBIT growth 5Y3.08%
EBIT Next Year7.03%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.94%
OCF growth 3YN/A
OCF growth 5YN/A