ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALV - DE0008404005 - Common Stock
391 EUR
+0.6 (+0.15%)
Overall ALV gets a fundamental rating of 5 out of 10. We evaluated ALV against 45 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 is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years ALV has always been profitable.
In the past 5 years ALV always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.49%, ALV is doing good in the industry, outperforming 62.22% of the companies in the same industry.
The Return On Equity of ALV (25.91%) is better than 93.33% 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
ALV has a Profit Margin of 10.90%. This is in the better half of the industry: ALV outperforms 68.89% of its industry peers.
In the last couple of years the Profit Margin of ALV has grown nicely.
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.
ALV has less shares outstanding than it did 1 year ago.
ALV has less shares outstanding than it did 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 0.24. This is a bad value and indicates that ALV is not financially healthy and even has some risk of bankruptcy.
ALV's Altman-Z score of 0.24 is amongst the best of the industry. ALV outperforms 82.22% of its industry peers.
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 better Debt to FCF ratio (1.06) than 84.44% 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.
ALV has a Debt to Equity ratio (0.64) which is in line with its industry peers.
Although ALV does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | 0.24 |
ROIC/WACCN/A
WACC6.7%
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 68.89% of its industry peers.
ALV has a Quick 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 Quick ratio (0.05) than 68.89% 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 10.30%, which is quite good.
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
The Earnings Per Share is expected to grow by 7.87% on average over the next years.
Based on estimates for the next years, ALV will show a very strong growth in Revenue. The Revenue will grow by 22.27% on average per year.
EPS Next Y10.3%
EPS Next 2Y9.3%
EPS Next 3Y8.59%
EPS Next 5Y7.87%
Revenue Next Year4.78%
Revenue Next 2Y4.99%
Revenue Next 3Y10.44%
Revenue Next 5Y22.27%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
ALV is valuated correctly with a Price/Earnings ratio of 14.43.
ALV's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.57, ALV is valued a bit cheaper.
The Price/Forward Earnings ratio is 12.83, which indicates a correct valuation of ALV.
Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than the industry average as 64.44% of the companies are valued more cheaply.
ALV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.43 | ||
| Fwd PE | 12.83 |
4.2 Price Multiples
84.44% 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 | 4.26 | ||
| 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)1.4
PEG (5Y)2.32
EPS Next 2Y9.3%
EPS Next 3Y8.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.99%, ALV has a reasonable but not impressive dividend return.
ALV's Dividend Yield is comparable with the industry average which is at 3.95.
ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
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.
ALV's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.51%
EPS Next 2Y9.3%
EPS Next 3Y8.59%
FRA:ALV (12/23/2025, 7:00:00 PM)
391
+0.6 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners41.71%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap148.74B
Revenue(TTM)137.70B
Net Income(TTM)14.82B
Analysts72.17
Price Target390.63 (-0.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
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)3.56%
PT rev (3m)3.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.82%
EPS NY rev (1m)-0.66%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)-0.56%
Revenue NY rev (3m)-3.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.43 | ||
| Fwd PE | 12.83 | ||
| P/S | 1.09 | ||
| P/FCF | 4.26 | ||
| P/OCF | 4.04 | ||
| P/B | 2.6 | ||
| P/tB | 3.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)27.1
EY6.93%
EPS(NY)30.47
Fwd EY7.79%
FCF(TTM)91.68
FCFY23.45%
OCF(TTM)96.79
OCFY24.75%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.4
PEG (5Y)2.32
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 | 0.24 |
F-Score7
WACC6.7%
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 Y10.3%
EPS Next 2Y9.3%
EPS Next 3Y8.59%
EPS Next 5Y7.87%
Revenue 1Y (TTM)13.94%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
Revenue Next Year4.78%
Revenue Next 2Y4.99%
Revenue Next 3Y10.44%
Revenue Next 5Y22.27%
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.
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 5 / 10 and the dividend payout ratio is 42.51%.