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

FRA:ALV • DE0008404005

Current stock price

367.9 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 4 of the past 5 years.
  • 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

  • ALV has a Return On Assets (1.49%) which is comparable to the rest of the industry.
  • The Return On Equity of ALV (25.91%) is better than 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 66.67% 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 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.
  • There is no outstanding debt for ALV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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 Altman-Z score of 0.23. This is amongst the best in the industry. ALV outperforms 83.33% 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.
  • The Debt to FCF ratio of ALV (1.06) is better than 83.33% of its industry peers.
  • A Debt/Equity ratio of 0.64 indicates that ALV is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.64, ALV perfoms like the industry average, outperforming 52.38% 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 RankSector Rank
Debt/Equity 0.64
Debt/FCF 1.06
Altman-Z 0.23
ROIC/WACCN/A
WACC6.79%
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.
  • Looking at the Current ratio, with a value of 0.05, ALV is in the better half of the industry, outperforming 61.90% of the companies in the same industry.
  • 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 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.
  • The Earnings Per Share has been growing by 11.50% on average over the past years. This is quite good.
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

  • ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.15% yearly.
  • ALV is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.22% yearly.
EPS Next Y11.48%
EPS Next 2Y8.8%
EPS Next 3Y8.38%
EPS Next 5Y6.15%
Revenue Next Year6.34%
Revenue Next 2Y5.9%
Revenue Next 3Y8.37%
Revenue Next 5Y25.22%

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.
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

  • A Price/Earnings ratio of 13.20 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 26.21.
  • Based on the Price/Forward Earnings ratio of 11.84, the valuation of ALV can be described as reasonable.
  • 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 61.90% of the companies listed in the same industry.
  • ALV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.13.
Industry RankSector Rank
PE 13.2
Fwd PE 11.84
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ALV indicates a rather cheap valuation: ALV is cheaper than 83.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.01
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)1.15
PEG (5Y)1.15
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 4.87%, ALV is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.54, 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 4.87%

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 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

  • 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 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 (4/2/2026, 7:00:00 PM)

367.9

+0.2 (+0.05%)

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 Cap139.96B
Revenue(TTM)N/A
Net Income(TTM)14.82B
Analysts72.31
Price Target407.75 (10.83%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.87%
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.51%
Div Incr Years2
Div Non Decr Years7
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)1.57%
PT rev (3m)4.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.15%
Valuation
Industry RankSector Rank
PE 13.2
Fwd PE 11.84
P/S 1.03
P/FCF 4.01
P/OCF 3.8
P/B 2.45
P/tB 3.61
EV/EBITDA N/A
EPS(TTM)27.87
EY7.58%
EPS(NY)31.07
Fwd EY8.45%
FCF(TTM)91.68
FCFY24.92%
OCF(TTM)96.79
OCFY26.31%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.15
PEG (5Y)1.15
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
WACC6.79%
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 Year6.34%
Revenue Next 2Y5.9%
Revenue Next 3Y8.37%
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 4 / 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 42.51%.