ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALV - DE0008404005 - Common Stock
378.9 EUR
-0.9 (-0.24%)
Taking everything into account, ALV scores 5 out of 10 in our fundamental rating. ALV was compared to 46 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
- ALV had positive earnings in the past year.
- ALV had a positive operating cash flow in the past year.
- 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 has a Return On Assets of 1.49%. This is in the better half of the industry: ALV outperforms 63.04% of its industry peers.
- With an excellent Return On Equity value of 25.91%, ALV belongs to the best of the industry, outperforming 93.48% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- ALV has a better Profit Margin (10.90%) than 67.39% of its industry peers.
- 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) | 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
2. Health
2.1 Basic Checks
- ALV does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, ALV has less shares outstanding
- ALV has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, ALV has a worse debt to assets ratio.
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.
- Looking at the Altman-Z score, with a value of 0.23, ALV belongs to the top of the industry, outperforming 82.61% of the companies in the same industry.
- 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.
- Looking at the Debt to FCF ratio, with a value of 1.06, ALV belongs to the top of the industry, outperforming 84.78% of the companies in the same industry.
- 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 52.17% of the companies in the same 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
WACC6.68%
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.
- ALV's Current ratio of 0.05 is fine compared to the rest of the industry. ALV outperforms 67.39% of its industry peers.
- A Quick Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
- ALV has a Quick ratio of 0.05. This is in the better half of the industry: ALV outperforms 67.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 10.30% over the past year.
- Measured over the past 5 years, ALV 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, ALV shows a quite strong growth in Revenue. The Revenue has grown by 13.94% in the last year.
- Measured over the past years, ALV shows a decrease in Revenue. The Revenue has been decreasing by -8.64% on average per year.
EPS 1Y (TTM)10.3%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%9.96%
Revenue 1Y (TTM)13.94%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
3.2 Future
- ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.56% yearly.
- ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.91% yearly.
EPS Next Y10.58%
EPS Next 2Y9.39%
EPS Next 3Y8.62%
EPS Next 5Y7.56%
Revenue Next Year3.93%
Revenue Next 2Y4.46%
Revenue Next 3Y10.44%
Revenue Next 5Y21.91%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better 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
- The Price/Earnings ratio is 13.98, which indicates a correct valuation of ALV.
- The rest of the industry has a similar Price/Earnings ratio as ALV.
- ALV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.33.
- With a Price/Forward Earnings ratio of 12.42, ALV is valued correctly.
- ALV's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ALV is more expensive than 63.04% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. ALV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.98 | ||
| Fwd PE | 12.42 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ALV indicates a rather cheap valuation: ALV is cheaper than 84.78% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.13 | ||
| 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)1.32
PEG (5Y)2.24
EPS Next 2Y9.39%
EPS Next 3Y8.62%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.86%, ALV has a reasonable but not impressive dividend return.
- ALV's Dividend Yield is slightly below the industry average, which is at 3.93.
- Compared to an average S&P500 Dividend Yield of 1.91, ALV pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
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 42.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of ALV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.51%
EPS Next 2Y9.39%
EPS Next 3Y8.62%
FRA:ALV (1/14/2026, 7:00:00 PM)
378.9
-0.9 (-0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-14 2025-11-14/bmo
Earnings (Next)02-26 2026-02-26/amc
Inst Owners41.41%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap144.14B
Revenue(TTM)137.70B
Net Income(TTM)14.82B
Analysts73.04
Price Target390.63 (3.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
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)0.93%
PT rev (3m)3.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.82%
EPS NY rev (1m)0.26%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)-0.81%
Revenue NY rev (3m)-0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.98 | ||
| Fwd PE | 12.42 | ||
| P/S | 1.06 | ||
| P/FCF | 4.13 | ||
| P/OCF | 3.91 | ||
| P/B | 2.52 | ||
| P/tB | 3.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)27.1
EY7.15%
EPS(NY)30.51
Fwd EY8.05%
FCF(TTM)91.68
FCFY24.2%
OCF(TTM)96.79
OCFY25.54%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.32
PEG (5Y)2.24
Graham Number302.78
Profitability
| Industry Rank | Sector 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 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 | 235.39% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | 0.23 |
F-Score7
WACC6.68%
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)10.3%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%9.96%
EPS Next Y10.58%
EPS Next 2Y9.39%
EPS Next 3Y8.62%
EPS Next 5Y7.56%
Revenue 1Y (TTM)13.94%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
Revenue Next Year3.93%
Revenue Next 2Y4.46%
Revenue Next 3Y10.44%
Revenue Next 5Y21.91%
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.99%
EBIT Next 3Y6.6%
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.
Can you provide the valuation status for ALLIANZ SE-REG?
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.
Can you provide the expected EPS growth for ALV stock?
The Earnings per Share (EPS) of ALLIANZ SE-REG (ALV.DE) is expected to grow by 10.58% in the next year.
How sustainable is the dividend of ALLIANZ SE-REG (ALV.DE) stock?
The dividend rating of ALLIANZ SE-REG (ALV.DE) is 4 / 10 and the dividend payout ratio is 42.51%.