ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALV - DE0008404005 - Common Stock
363.9 EUR
-6.1 (-1.65%)
Taking everything into account, ALV scores 5 out of 10 in our fundamental rating. ALV was compared to 48 industry peers in the Insurance industry. ALV has an average financial health and profitability rating. 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.
- In the past year ALV had a positive cash flow from operations.
- Each year in the past 5 years ALV has been profitable.
- In the past 5 years ALV always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.49%, ALV is in the better half of the industry, outperforming 64.58% of the companies in the same industry.
- ALV has a better Return On Equity (25.91%) than 93.75% of its industry peers.
| 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
- With a decent Profit Margin value of 10.90%, ALV is doing good in the industry, outperforming 68.75% of the companies in the same industry.
- 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 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.
- The number of shares outstanding for ALV has been reduced compared to 1 year ago.
- Compared to 5 years ago, ALV has less shares outstanding
- ALV has a worse debt/assets ratio than last year.
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.
- With a decent Altman-Z score value of 0.23, ALV is doing good in the industry, outperforming 79.17% 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.
- ALV has a Debt to FCF ratio of 1.06. This is amongst the best in the industry. ALV outperforms 89.58% of its industry peers.
- A Debt/Equity ratio of 0.64 indicates that 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
WACC6.79%
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 62.50% 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 62.50% 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.
- The Earnings Per Share has been growing slightly by 6.23% on average over the past years.
- ALV shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.94%.
- 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.
- Based on estimates for the next years, ALV will show a very strong growth in Revenue. The Revenue will grow by 21.91% on average per year.
EPS Next Y11.59%
EPS Next 2Y9.54%
EPS Next 3Y8.69%
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
- ALV is valuated correctly with a Price/Earnings ratio of 13.43.
- ALV's Price/Earnings ratio is a bit cheaper when compared to the industry. ALV is cheaper than 60.42% of the companies in the same industry.
- When comparing the Price/Earnings ratio of ALV to the average of the S&P500 Index (27.21), we can say ALV is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.89, 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 60.42% of the companies listed in the same industry.
- ALV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.43 | ||
| Fwd PE | 11.89 |
4.2 Price Multiples
- 85.42% of the companies in the same industry are more expensive than ALV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.97 | ||
| EV/EBITDA | N/A |
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)1.16
PEG (5Y)2.16
EPS Next 2Y9.54%
EPS Next 3Y8.69%
5. Dividend
5.1 Amount
- ALV has a Yearly Dividend Yield of 4.16%, which is a nice return.
- ALV's Dividend Yield is comparable with the industry average which is at 4.17.
- Compared to an average S&P500 Dividend Yield of 1.81, ALV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
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
- 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 2Y9.54%
EPS Next 3Y8.69%
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 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 11.59% 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%.