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

FRA:ALV • DE0008404005

Current stock price

349.5 EUR
-0.2 (-0.06%)
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

  • ALV had positive earnings in the past year.
  • In the past year ALV had a positive cash flow from operations.
  • Of the past 5 years ALV 4 years were profitable.
  • ALV had a positive operating cash flow in 4 of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 1.49%, ALV is in line with its industry, outperforming 54.76% of the companies in the same industry.
  • ALV's Return On Equity of 25.91% is amongst the best of the industry. ALV outperforms 85.71% of its industry peers.
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

  • With a decent Profit Margin value of 10.90%, ALV is doing good in the industry, outperforming 64.29% of the companies in the same industry.
  • ALV's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for ALV so they could not be analyzed.
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.
  • ALV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 80.95% 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.
  • Looking at the Debt to FCF ratio, with a value of 1.06, ALV belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
  • A Debt/Equity ratio of 0.64 indicates that ALV is somewhat dependend on debt financing.
  • ALV's Debt to Equity ratio of 0.64 is in line compared to the rest of the industry. ALV outperforms 54.76% of its industry peers.
  • 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
WACC6.76%
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

  • 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 has a better Current ratio (0.05) than 61.90% 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 61.90% of its industry peers.
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

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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

  • Based on estimates for the next years, ALV will show a small growth in Earnings Per Share. The EPS will grow by 6.15% on average per year.
  • The Revenue is expected to grow by 25.22% on average over the next years. This is a very strong growth
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

  • With a Price/Earnings ratio of 12.54, ALV is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as ALV.
  • Compared to an average S&P500 Price/Earnings ratio of 25.54, ALV is valued rather cheaply.
  • The Price/Forward Earnings ratio is 11.25, which indicates a very decent valuation of ALV.
  • 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 64.29% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of ALV to the average of the S&P500 Index (22.70), we can say ALV is valued rather cheaply.
Industry RankSector Rank
PE 12.54
Fwd PE 11.25
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

  • Based on the Price/Free Cash Flow ratio, ALV is valued a bit cheaper than 78.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.81
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

  • ALV's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.09
PEG (5Y)1.09
EPS Next 2Y8.8%
EPS Next 3Y8.38%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ALV.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.84%, ALV is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.59, 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 1.89.
Industry RankSector Rank
Dividend Yield 4.84%

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

  • 42.51% 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.
DP42.51%
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 (3/24/2026, 5:36:15 PM)

349.5

-0.2 (-0.06%)

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 Cap132.96B
Revenue(TTM)N/A
Net Income(TTM)14.82B
Analysts72.31
Price Target401.47 (14.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.84%
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)0.66%
PT rev (3m)2.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.17%
EPS NY rev (3m)1.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-0.96%
Valuation
Industry RankSector Rank
PE 12.54
Fwd PE 11.25
P/S 0.98
P/FCF 3.81
P/OCF 3.61
P/B 2.32
P/tB 3.43
EV/EBITDA N/A
EPS(TTM)27.87
EY7.97%
EPS(NY)31.07
Fwd EY8.89%
FCF(TTM)91.68
FCFY26.23%
OCF(TTM)96.79
OCFY27.69%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.09
PEG (5Y)1.09
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
WACC6.76%
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 5 / 10 to ALV.DE.


Can you provide the valuation status for ALLIANZ SE-REG?

ChartMill assigns a valuation rating of 5 / 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 11.48% 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 6 / 10 and the dividend payout ratio is 42.51%.