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

FRA:ALV • DE0008404005

Current stock price

367.9 EUR
+0.2 (+0.05%)
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

  • In the past year ALV was profitable.
  • In the past year ALV had a positive cash flow from operations.
  • Of the past 5 years ALV 4 years were profitable.
  • Of the past 5 years ALV 4 years 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 0 20B -20B 40B

1.2 Ratios

  • ALV has a Return On Assets of 1.49%. This is comparable to the rest of the industry: ALV outperforms 53.49% of its industry peers.
  • Looking at the Return On Equity, with a value of 25.91%, ALV belongs to the top of the industry, outperforming 86.05% of the companies in the same industry.
Industry RankSector Rank
ROA 1.49%
ROE 25.91%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • The Profit Margin of ALV (10.90%) is better than 62.79% of its industry peers.
  • ALV's Profit Margin has improved in the last couple of years.
  • ALV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 10.9%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
  • There is no outstanding debt for ALV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ALV.DE Yearly Shares OutstandingALV.DE Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 better Altman-Z score (0.23) than 83.72% of its industry peers.
  • ALV has a debt to FCF ratio of 1.06. This is a very positive value and a sign of high solvency as it would only need 1.06 years to pay back of all of its debts.
  • ALV has a Debt to FCF ratio of 1.06. This is amongst the best in the industry. ALV outperforms 83.72% of its industry peers.
  • 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 53.49% 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 0.64
Debt/FCF 1.06
Altman-Z 0.23
ROIC/WACCN/A
WACC6.79%
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 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's Current ratio of 0.05 is fine compared to the rest of the industry. ALV outperforms 65.12% 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.
  • With a decent Quick ratio value of 0.05, ALV is doing good in the industry, outperforming 65.12% of the companies in the same industry.
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 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

More info and screens

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

4

3. ALV.DE Growth Analysis

3.1 Past

  • ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.29%, which is quite good.
  • ALV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.50% yearly.
EPS 1Y (TTM)9.29%
EPS 3Y19.77%
EPS 5Y11.5%
EPS Q2Q%12.03%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 6.15% yearly.
  • ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.22% yearly.
EPS Next Y11.48%
EPS Next 2Y8.8%
EPS Next 3Y8.38%
EPS Next 5Y6.15%
Revenue Next Year4.66%
Revenue Next 2Y4.72%
Revenue Next 3Y18.35%
Revenue Next 5Y25.22%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
ALV.DE Yearly Revenue VS EstimatesALV.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 50B 100B 150B
ALV.DE Yearly EPS VS EstimatesALV.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 10 20 30 40

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4

4. ALV.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.20 indicates a correct valuation of ALV.
  • ALV's Price/Earnings ratio is in line with the industry average.
  • ALV is valuated rather cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.84, which indicates a very decent valuation of ALV.
  • Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than the industry average as 65.12% of the companies are valued more cheaply.
  • ALV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 13.2
Fwd PE 11.84
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 83.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.01
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.15
PEG (5Y)1.15
EPS Next 2Y8.8%
EPS Next 3Y8.38%

More info and screens

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 4.87%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.47, ALV has a dividend in line with its industry peers.
  • ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 4.87%

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
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 42.51% 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.
DP42.51%
EPS Next 2Y8.8%
EPS Next 3Y8.38%
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 10B 20B 30B
ALV.DE Dividend Payout.ALV.DE Dividend Payout, showing the Payout Ratio.ALV.DE Dividend Payout.PayoutRetained Earnings

More info and screens

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ALV.DE Fundamentals: All Metrics, Ratios and Statistics

ALLIANZ SE-REG

FRA:ALV (4/2/2026, 7:00:00 PM)

367.9

+0.2 (+0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-13
Inst Owners41.17%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap139.96B
Revenue(TTM)N/A
Net Income(TTM)14.82B
Analysts72.31
Price Target407.75 (10.83%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.87%
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.51%
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)2.23%
PT rev (3m)4.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.17%
EPS NY rev (3m)1.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.15%
Valuation
Industry RankSector Rank
PE 13.2
Fwd PE 11.84
P/S 1.03
P/FCF 4.01
P/OCF 3.8
P/B 2.45
P/tB 3.61
EV/EBITDA N/A
EPS(TTM)27.87
EY7.58%
EPS(NY)31.07
Fwd EY8.45%
FCF(TTM)91.68
FCFY24.92%
OCF(TTM)96.79
OCFY26.31%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.15
PEG (5Y)1.15
Graham Number307.05
Profitability
Industry RankSector Rank
ROA 1.49%
ROE 25.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.9%
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
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 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 235.39%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z 0.23
F-Score7
WACC6.79%
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)9.29%
EPS 3Y19.77%
EPS 5Y11.5%
EPS Q2Q%12.03%
EPS Next Y11.48%
EPS Next 2Y8.8%
EPS Next 3Y8.38%
EPS Next 5Y6.15%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.47%
Revenue Next Year4.66%
Revenue Next 2Y4.72%
Revenue Next 3Y18.35%
Revenue Next 5Y25.22%
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year10.39%
EBIT Next 3Y7.06%
EBIT Next 5Y6.36%
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%

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 4 / 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 42.51%.