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

FRA:ALV • DE0008404005

Current stock price

388.2 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

  • 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.
  • In the past 5 years ALV always reported a positive cash flow from operatings.
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 2025 0 20B -20B 40B

1.2 Ratios

  • ALV has a Return On Assets of 1.55%. This is comparable to the rest of the industry: ALV outperforms 52.63% of its industry peers.
  • ALV's Return On Equity of 25.27% is amongst the best of the industry. ALV outperforms 92.11% of its industry peers.
Industry RankSector Rank
ROA 1.55%
ROE 25.27%
ROIC N/A
ROA(3y)0.94%
ROA(5y)0.82%
ROE(3y)15.85%
ROE(5y)13.47%
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 2025 0 5 10 15

1.3 Margins

  • ALV's Profit Margin of 11.12% is fine compared to the rest of the industry. ALV outperforms 71.05% 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) 11.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y37.1%
PM growth 5Y15.23%
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 2025 0 20 -20 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

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 less shares outstanding than it did 1 year ago.
  • ALV has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ALV has a worse debt to assets ratio.
ALV.DE Yearly Shares OutstandingALV.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B 800B 1T

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.
  • The Altman-Z score of ALV (0.23) is better than 78.95% of its industry peers.
  • ALV has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 1.14, ALV belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
  • A Debt/Equity ratio of 0.56 indicates that ALV is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.56, ALV is in line with its industry, outperforming 57.89% 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 0.56
Debt/FCF 1.14
Altman-Z 0.23
ROIC/WACCN/A
WACC6.8%
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 2025 20B 40B 60B 80B

2.3 Liquidity

  • A Current Ratio of 0.04 indicates that ALV may have some problems paying its short term obligations.
  • The Current ratio of ALV (0.04) is better than 63.16% of its industry peers.
  • ALV has a Quick Ratio of 0.04. 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 0.04, ALV is doing good in the industry, outperforming 63.16% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
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 2025 5B 10B 15B 20B

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

6

3. ALV.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.29% over the past year.
  • ALV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.50% yearly.
  • Looking at the last year, ALV shows a very strong growth in Revenue. The Revenue has grown by 20.45%.
  • ALV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.18% yearly.
EPS 1Y (TTM)9.29%
EPS 3Y19.77%
EPS 5Y11.5%
EPS Q2Q%12.03%
Revenue 1Y (TTM)20.45%
Revenue growth 3Y-13.25%
Revenue growth 5Y-5.18%
Sales Q2Q%22.47%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.37% on average over the next years.
  • ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.21% yearly.
EPS Next Y11.19%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
EPS Next 5Y7.37%
Revenue Next Year7.16%
Revenue Next 2Y6.44%
Revenue Next 3Y8.37%
Revenue Next 5Y20.21%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ALV.DE Yearly Revenue VS EstimatesALV.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B 200B
ALV.DE Yearly EPS VS EstimatesALV.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10 20 30 40

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Find the best growth stocksShow best growing peers

4

4. ALV.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.93, ALV is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as ALV.
  • When comparing the Price/Earnings ratio of ALV to the average of the S&P500 Index (27.42), we can say ALV is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 12.53 indicates a correct valuation of ALV.
  • Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than 60.53% of the companies in the same industry.
  • ALV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.29.
Industry RankSector Rank
PE 13.93
Fwd PE 12.53
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 a bit cheaper when compared to the industry. ALV is cheaper than 76.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.77
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)1.25
PEG (5Y)1.21
EPS Next 2Y8.98%
EPS Next 3Y8.59%

More info and screens

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 4.38%, ALV is a good candidate for dividend investing.
  • ALV's Dividend Yield is comparable with the industry average which is at 4.46.
  • ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 4.38%

5.2 History

  • The dividend of ALV is nicely growing with an annual growth rate of 11.82%!
Dividend Growth(5Y)11.82%
Div Incr Years2
Div Non Decr Years7
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

  • 40.30% of the earnings are spent on dividend by ALV. 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.
DP40.3%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
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 2025 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

Find the best dividend stocksShow peers with best dividend

ALV.DE Fundamentals: All Metrics, Ratios and Statistics

ALLIANZ SE-REG

FRA:ALV (4/27/2026, 5:36:15 PM)

388.2

+0.2 (+0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-13
Inst Owners40.7%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap147.68B
Revenue(TTM)142.55B
Net Income(TTM)15.85B
Analysts72.31
Price Target407.75 (5.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.38%
Yearly Dividend16.67
Dividend Growth(5Y)11.82%
DP40.3%
Div Incr Years2
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.33%
Min EPS beat(2)-1.36%
Max EPS beat(2)0.7%
EPS beat(4)2
Avg EPS beat(4)-0.17%
Min EPS beat(4)-6.76%
Max EPS beat(4)6.75%
EPS beat(8)5
Avg EPS beat(8)2.37%
EPS beat(12)5
Avg EPS beat(12)-1.51%
EPS beat(16)6
Avg EPS beat(16)-5.6%
Revenue beat(2)2
Avg Revenue beat(2)23.69%
Min Revenue beat(2)17.54%
Max Revenue beat(2)29.84%
Revenue beat(4)4
Avg Revenue beat(4)34.34%
Min Revenue beat(4)17.54%
Max Revenue beat(4)57.06%
Revenue beat(8)8
Avg Revenue beat(8)29.95%
Revenue beat(12)11
Avg Revenue beat(12)55.19%
Revenue beat(16)13
Avg Revenue beat(16)46.62%
PT rev (1m)1.57%
PT rev (3m)2.86%
EPS NQ rev (1m)-1.34%
EPS NQ rev (3m)-1.41%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)1.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)2.39%
Revenue NY rev (3m)1.91%
Valuation
Industry RankSector Rank
PE 13.93
Fwd PE 12.53
P/S 1.04
P/FCF 4.77
P/OCF 4.44
P/B 2.35
P/tB 3.35
EV/EBITDA N/A
EPS(TTM)27.87
EY7.18%
EPS(NY)30.99
Fwd EY7.98%
FCF(TTM)81.46
FCFY20.98%
OCF(TTM)87.42
OCFY22.52%
SpS374.72
BVpS164.88
TBVpS115.92
PEG (NY)1.25
PEG (5Y)1.21
Graham Number321.542 (-17.17%)
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 25.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.12%
GM N/A
FCFM 21.74%
ROA(3y)0.94%
ROA(5y)0.82%
ROE(3y)15.85%
ROE(5y)13.47%
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 3Y37.1%
PM growth 5Y15.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 103.99%
Cap/Sales 1.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 195.53%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z 0.23
F-Score6
WACC6.8%
ROIC/WACCN/A
Cap/Depr(3y)95.7%
Cap/Depr(5y)83.44%
Cap/Sales(3y)2.89%
Cap/Sales(5y)2.25%
Profit Quality(3y)288.81%
Profit Quality(5y)296.75%
High Growth Momentum
Growth
EPS 1Y (TTM)9.29%
EPS 3Y19.77%
EPS 5Y11.5%
EPS Q2Q%12.03%
EPS Next Y11.19%
EPS Next 2Y8.98%
EPS Next 3Y8.59%
EPS Next 5Y7.37%
Revenue 1Y (TTM)20.45%
Revenue growth 3Y-13.25%
Revenue growth 5Y-5.18%
Sales Q2Q%22.47%
Revenue Next Year7.16%
Revenue Next 2Y6.44%
Revenue Next 3Y8.37%
Revenue Next 5Y20.21%
EBIT growth 1Y61.71%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year6.18%
EBIT Next 3Y5.59%
EBIT Next 5YN/A
FCF growth 1Y2.87%
FCF growth 3Y24.33%
FCF growth 5Y0.03%
OCF growth 1Y3.79%
OCF growth 3Y23.3%
OCF growth 5Y0.53%

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.


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 40.3%.