ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - FRA:ALV - DE0008404005 - Common Stock
357.4 EUR
+1.1 (+0.31%)
Taking everything into account, ALV scores 5 out of 10 in our fundamental rating. ALV was compared to 43 industry peers in the Insurance industry. Both the profitability and the financial health of ALV get a neutral evaluation. Nothing too spectacular is happening here. ALV has a decent growth rate and is not valued too expensively.
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.
ALV had positive earnings in each of the past 5 years.
ALV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ALV's Return On Assets of 1.51% is fine compared to the rest of the industry. ALV outperforms 72.09% of its industry peers.
ALV has a better Return On Equity (26.15%) than 95.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 26.15% | ||
| 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
With a decent Profit Margin value of 11.00%, ALV is doing good in the industry, outperforming 72.09% of the companies in the same industry.
In the last couple of years the Profit Margin of ALV has grown nicely.
The Operating Margin and Gross Margin are not available for ALV so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 11% | ||
| 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.
The number of shares outstanding for ALV has been reduced compared to 5 years ago.
The debt/assets ratio for ALV is higher compared to a year ago.
2.2 Solvency
ALV has an Altman-Z score of 0.23. This is a bad value and indicates that ALV is not financially healthy and even has some risk of bankruptcy.
ALV has a Altman-Z score of 0.23. This is amongst the best in the industry. ALV outperforms 83.72% of its industry peers.
The Debt to FCF ratio of ALV is 1.06, which is an excellent value as it means it would take ALV, only 1.06 years of fcf income to pay off all of its debts.
ALV has a Debt to FCF ratio of 1.06. This is amongst the best in the industry. ALV outperforms 90.70% 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.
The Debt to Equity ratio of ALV (0.64) is comparable to the rest of the industry.
Even though the debt/equity ratio score it not favorable for ALV, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | 0.23 |
ROIC/WACCN/A
WACC6.69%
2.3 Liquidity
ALV has a Current 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.
The Current ratio of ALV (0.05) is better than 65.12% of its industry peers.
A Quick Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
ALV's Quick ratio of 0.05 is fine compared to the rest of the industry. ALV outperforms 65.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
ALV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.21%, which is quite good.
ALV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.23% yearly.
Looking at the last year, ALV shows a quite strong growth in Revenue. The Revenue has grown by 13.86% in the last year.
The Revenue has been decreasing by -8.64% on average over the past years.
EPS 1Y (TTM)15.21%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%16.01%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.42%
3.2 Future
ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.39% yearly.
ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.62% yearly.
EPS Next Y10.13%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
EPS Next 5Y7.39%
Revenue Next Year4.93%
Revenue Next 2Y5.32%
Revenue Next 3Y4.97%
Revenue Next 5Y21.62%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.52 indicates a correct valuation of ALV.
Compared to the rest of the industry, the Price/Earnings ratio of ALV is on the same level as its industry peers.
ALV is valuated rather cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
ALV is valuated reasonably with a Price/Forward Earnings ratio of 11.75.
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 60.47% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, ALV is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.52 | ||
| Fwd PE | 11.75 |
4.2 Price Multiples
ALV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ALV is cheaper than 90.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.96 | ||
| EV/EBITDA | N/A |
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)1.33
PEG (5Y)2.17
EPS Next 2Y9.23%
EPS Next 3Y7.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.40%, ALV is a good candidate for dividend investing.
ALV's Dividend Yield is comparable with the industry average which is at 4.57.
Compared to an average S&P500 Dividend Yield of 2.30, ALV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.4% |
5.2 History
The dividend of ALV is nicely growing with an annual growth rate of 8.88%!
Dividend Growth(5Y)8.88%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
42.12% of the earnings are spent on dividend by ALV. 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.
DP42.12%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
FRA:ALV (10/28/2025, 7:00:00 PM)
357.4
+1.1 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.21%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap138.02B
Revenue(TTM)135.98B
Net Income(TTM)14.96B
Analysts70.43
Price Target376.54 (5.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.4% |
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.12%
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)0%
PT rev (3m)1.61%
EPS NQ rev (1m)0.49%
EPS NQ rev (3m)2.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.36%
Revenue NY rev (1m)-3.71%
Revenue NY rev (3m)-9.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.52 | ||
| Fwd PE | 11.75 | ||
| P/S | 1.02 | ||
| P/FCF | 3.96 | ||
| P/OCF | 3.75 | ||
| P/B | 2.41 | ||
| P/tB | 3.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.43
EY7.4%
EPS(NY)30.43
Fwd EY8.51%
FCF(TTM)90.32
FCFY25.27%
OCF(TTM)95.35
OCFY26.68%
SpS352.12
BVpS148.11
TBVpS100.5
PEG (NY)1.33
PEG (5Y)2.17
Graham Number296.78
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 26.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 11% | ||
| 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 Rank | Sector 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 | 233.2% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | 0.23 |
F-Score7
WACC6.69%
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)15.21%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%16.01%
EPS Next Y10.13%
EPS Next 2Y9.23%
EPS Next 3Y7.62%
EPS Next 5Y7.39%
Revenue 1Y (TTM)13.86%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.42%
Revenue Next Year4.93%
Revenue Next 2Y5.32%
Revenue Next 3Y4.97%
Revenue Next 5Y21.62%
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year7.31%
EBIT Next 3Y5.78%
EBIT Next 5YN/A
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 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 for ALV stock?
ChartMill assigns a valuation rating of 4 / 10 to ALLIANZ SE-REG (ALV.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for ALLIANZ SE-REG?
ALLIANZ SE-REG (ALV.DE) has a profitability rating of 4 / 10.
How financially healthy is ALLIANZ SE-REG?
The financial health rating of ALLIANZ SE-REG (ALV.DE) is 5 / 10.
Is the dividend of ALLIANZ SE-REG sustainable?
The dividend rating of ALLIANZ SE-REG (ALV.DE) is 6 / 10 and the dividend payout ratio is 42.12%.