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 34 industry peers in the Insurance industry. Both the profitability and the financial health of 1ALV get a neutral evaluation. Nothing too spectacular is happening here. 1ALV is not valued too expensively and it also shows a decent growth rate. 1ALV also has an excellent dividend rating. These ratings could make 1ALV a good candidate for dividend investing.
1. Profitability
1.1 Basic Checks
In the past year 1ALV was profitable.
1ALV had a positive operating cash flow in the past year.
Each year in the past 5 years 1ALV has been profitable.
Each year in the past 5 years 1ALV had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.41%, 1ALV is in the better half of the industry, outperforming 73.53% of the companies in the same industry.
1ALV's Return On Equity of 24.44% is amongst the best of the industry. 1ALV outperforms 97.06% of its industry peers.
The Return On Invested Capital of 1ALV (0.68%) is worse than 61.76% of its industry peers.
1ALV had an Average Return On Invested Capital over the past 3 years of 1.50%. This is in line with the industry average of 2.22%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 24.44% | ||
| ROIC | 0.68% |
ROA(3y)0.82%
ROA(5y)0.74%
ROE(3y)14.08%
ROE(5y)11.77%
ROIC(3y)1.5%
ROIC(5y)1.33%
1.3 Margins
1ALV's Profit Margin of 10.07% is fine compared to the rest of the industry. 1ALV outperforms 64.71% of its industry peers.
In the last couple of years the Profit Margin of 1ALV has grown nicely.
With a Operating Margin value of 6.18%, 1ALV is not doing good in the industry: 70.59% of the companies in the same industry are doing better.
1ALV's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.18% | ||
| PM (TTM) | 10.07% | ||
| GM | N/A |
OM growth 3Y-41.86%
OM growth 5Y-34.3%
PM growth 3Y18.21%
PM growth 5Y6.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1ALV has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for 1ALV has been reduced compared to 1 year ago.
Compared to 5 years ago, 1ALV has less shares outstanding
1ALV has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.28, we must say that 1ALV is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of 1ALV (0.28) is better than 79.41% of its industry peers.
The Debt to FCF ratio of 1ALV is 1.07, which is an excellent value as it means it would take 1ALV, only 1.07 years of fcf income to pay off all of its debts.
1ALV has a Debt to FCF ratio of 1.07. This is amongst the best in the industry. 1ALV outperforms 85.29% of its industry peers.
A Debt/Equity ratio of 0.53 indicates that 1ALV is somewhat dependend on debt financing.
1ALV has a Debt to Equity ratio of 0.53. This is comparable to the rest of the industry: 1ALV outperforms 58.82% of its industry peers.
Even though the debt/equity ratio score it not favorable for 1ALV, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | 0.28 |
ROIC/WACC0.1
WACC6.73%
2.3 Liquidity
1ALV has a Current Ratio of 0.04. This is a bad value and indicates that 1ALV is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.04, 1ALV is doing good in the industry, outperforming 67.65% of the companies in the same industry.
1ALV has a Quick Ratio of 0.04. This is a bad value and indicates that 1ALV is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of 1ALV (0.04) is better than 67.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.62% over the past year.
Measured over the past 5 years, 1ALV shows a small growth in Earnings Per Share. The EPS has been growing by 6.23% on average per year.
Looking at the last year, 1ALV shows a small growth in Revenue. The Revenue has grown by 2.31% in the last year.
Measured over the past years, 1ALV shows a decrease in Revenue. The Revenue has been decreasing by -1.94% on average per year.
EPS 1Y (TTM)20.62%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%17%
Revenue 1Y (TTM)2.31%
Revenue growth 3Y-3.34%
Revenue growth 5Y-1.94%
Sales Q2Q%-50.51%
3.2 Future
1ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.46% yearly.
The Revenue is expected to grow by 21.50% 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 5Y6.46%
Revenue Next Year10.89%
Revenue Next 2Y8.37%
Revenue Next 3Y7.9%
Revenue Next 5Y21.5%
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
1ALV is valuated correctly with a Price/Earnings ratio of 13.89.
Compared to the rest of the industry, the Price/Earnings ratio of 1ALV is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 28.79, 1ALV is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 12.60, the valuation of 1ALV can be described as correct.
Based on the Price/Forward Earnings ratio, 1ALV is valued a bit more expensive than the industry average as 64.71% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of 1ALV to the average of the S&P500 Index (21.38), we can say 1ALV is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.89 | ||
| Fwd PE | 12.6 |
4.2 Price Multiples
1ALV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1ALV is cheaper than 61.76% of the companies in the same industry.
1ALV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 1ALV is cheaper than 88.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.54 | ||
| EV/EBITDA | 12.27 |
4.3 Compensation for Growth
1ALV's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.35
PEG (5Y)2.23
EPS Next 2Y9.28%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
1ALV has a Yearly Dividend Yield of 4.42%, which is a nice return.
1ALV's Dividend Yield is comparable with the industry average which is at 4.79.
1ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.42% |
5.2 History
On average, the dividend of 1ALV grows each year by 8.88%, which is quite nice.
Dividend Growth(5Y)8.88%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
39.04% of the earnings are spent on dividend by 1ALV. This is a low number and sustainable payout ratio.
The dividend of 1ALV 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%
BIT:1ALV (4/22/2025, 7:00:00 PM)
354.3
+7.5 (+2.16%)
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 Cap136.82B
Analysts74.17
Price Target354.56 (0.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.42% |
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP39.04%
Div Incr Years0
Div Non Decr Years0
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)3.54%
PT rev (3m)6.4%
EPS NQ rev (1m)-0.89%
EPS NQ rev (3m)-1.5%
EPS NY rev (1m)0.52%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-49.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.89 | ||
| Fwd PE | 12.6 | ||
| P/S | 0.93 | ||
| P/FCF | 4.54 | ||
| P/OCF | 4.27 | ||
| P/B | 2.27 | ||
| P/tB | 3.32 | ||
| EV/EBITDA | 12.27 |
EPS(TTM)25.5
EY7.2%
EPS(NY)28.12
Fwd EY7.94%
FCF(TTM)78.01
FCFY22.02%
OCF(TTM)82.97
OCFY23.42%
SpS379.02
BVpS156.12
TBVpS106.59
PEG (NY)1.35
PEG (5Y)2.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.41% | ||
| ROE | 24.44% | ||
| ROCE | 0.88% | ||
| ROIC | 0.68% | ||
| ROICexc | 0.7% | ||
| ROICexgc | 0.87% | ||
| OM | 6.18% | ||
| PM (TTM) | 10.07% | ||
| GM | N/A | ||
| FCFM | 20.58% |
ROA(3y)0.82%
ROA(5y)0.74%
ROE(3y)14.08%
ROE(5y)11.77%
ROIC(3y)1.5%
ROIC(5y)1.33%
ROICexc(3y)1.54%
ROICexc(5y)1.36%
ROICexgc(3y)1.95%
ROICexgc(5y)1.72%
ROCE(3y)1.96%
ROCE(5y)1.74%
ROICexcg growth 3Y-42.34%
ROICexcg growth 5Y-35.41%
ROICexc growth 3Y-41.74%
ROICexc growth 5Y-35.72%
OM growth 3Y-41.86%
OM growth 5Y-34.3%
PM growth 3Y18.21%
PM growth 5Y6.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 1.07 | ||
| Debt/EBITDA | 2.88 | ||
| Cap/Depr | 88.9% | ||
| Cap/Sales | 1.31% | ||
| Interest Coverage | 5.81 | ||
| Cash Conversion | 286.17% | ||
| Profit Quality | 204.49% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | 0.28 |
F-Score6
WACC6.73%
ROIC/WACC0.1
Cap/Depr(3y)85.78%
Cap/Depr(5y)75.55%
Cap/Sales(3y)1.85%
Cap/Sales(5y)1.64%
Profit Quality(3y)276.66%
Profit Quality(5y)329.2%
High Growth Momentum
Growth
EPS 1Y (TTM)20.62%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%17%
EPS Next Y10.29%
EPS Next 2Y9.28%
EPS Next 3Y8.91%
EPS Next 5Y6.46%
Revenue 1Y (TTM)2.31%
Revenue growth 3Y-3.34%
Revenue growth 5Y-1.94%
Sales Q2Q%-50.51%
Revenue Next Year10.89%
Revenue Next 2Y8.37%
Revenue Next 3Y7.9%
Revenue Next 5Y21.5%
EBIT growth 1Y-28.58%
EBIT growth 3Y-43.8%
EBIT growth 5Y-35.58%
EBIT Next Year9.17%
EBIT Next 3Y7.12%
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%