ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis

FRA:ALV • DE0008404005

382.2 EUR
-2.5 (-0.65%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall ALV gets a fundamental rating of 5 out of 10. We evaluated ALV against 46 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. Finally ALV also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year ALV was profitable.
  • In the past year ALV had a positive cash flow from operations.
  • 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

  • The Return On Assets of ALV (1.49%) is comparable to the rest of the industry.
  • With an excellent Return On Equity value of 25.91%, ALV belongs to the best of the industry, outperforming 93.48% of the companies in the same industry.
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 65.22% 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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

  • 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.
  • Looking at the Altman-Z score, with a value of 0.23, ALV belongs to the top of the industry, outperforming 80.43% 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's Debt to FCF ratio of 1.06 is amongst the best of the industry. ALV outperforms 84.78% 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 RankSector Rank
Debt/Equity 0.64
Debt/FCF 1.06
Altman-Z 0.23
ROIC/WACCN/A
WACC6.81%
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

  • A Current Ratio of 0.05 indicates that ALV may have some problems paying 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 67.39% 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 better Quick ratio (0.05) than 67.39% 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

More info and screens

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

4

3. Growth

3.1 Past

  • ALV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.07%.
  • Measured over the past 5 years, ALV shows a small growth in Earnings Per Share. The EPS has been growing by 5.77% on average per year.
EPS 1Y (TTM)-16.07%
EPS 3Y9.68%
EPS 5Y5.77%
EPS Q2Q%-89.01%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%42.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.00% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 26.56% on average over the next years. This is a very strong growth
EPS Next Y42.95%
EPS Next 2Y23.69%
EPS Next 3Y18.07%
EPS Next 5Y12%
Revenue Next Year4.95%
Revenue Next 2Y4.73%
Revenue Next 3Y36.17%
Revenue Next 5Y26.56%

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.
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 200B
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

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • ALV is valuated rather expensively with a Price/Earnings ratio of 17.86.
  • 71.74% of the companies in the same industry are cheaper than ALV, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.07. ALV is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 12.49, ALV is valued correctly.
  • Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than the industry average as 69.57% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 28.05. ALV is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 17.86
Fwd PE 12.49
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 cheaper than 82.61% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.17
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as ALV's earnings are expected to grow with 18.07% in the coming years.
PEG (NY)0.42
PEG (5Y)3.1
EPS Next 2Y23.69%
EPS Next 3Y18.07%

More info and screens

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.45%, ALV is a good candidate for dividend investing.
  • ALV's Dividend Yield is comparable with the industry average which is at 4.03.
  • ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.45%

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
ALV.DE Yearly Dividends per shareALV.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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 more than its dividend. This makes the dividend growth sustainable.
DP42.51%
EPS Next 2Y23.69%
EPS Next 3Y18.07%
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

Find the best dividend stocksShow peers with best dividend

ALLIANZ SE-REG

FRA:ALV (2/27/2026, 7:00:00 PM)

382.2

-2.5 (-0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-13
Inst Owners41.41%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap145.40B
Revenue(TTM)N/A
Net Income(TTM)14.82B
Analysts72.8
Price Target401.47 (5.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.45%
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)1.28%
PT rev (3m)6.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-1.51%
Valuation
Industry RankSector Rank
PE 17.86
Fwd PE 12.49
P/S 1.07
P/FCF 4.17
P/OCF 3.95
P/B 2.54
P/tB 3.75
EV/EBITDA N/A
EPS(TTM)21.4
EY5.6%
EPS(NY)30.6
Fwd EY8.01%
FCF(TTM)91.68
FCFY23.99%
OCF(TTM)96.79
OCFY25.32%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)0.42
PEG (5Y)3.1
Graham Number269.06
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
WACC6.81%
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)-16.07%
EPS 3Y9.68%
EPS 5Y5.77%
EPS Q2Q%-89.01%
EPS Next Y42.95%
EPS Next 2Y23.69%
EPS Next 3Y18.07%
EPS Next 5Y12%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%42.85%
Revenue Next Year4.95%
Revenue Next 2Y4.73%
Revenue Next 3Y36.17%
Revenue Next 5Y26.56%
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year10.39%
EBIT Next 3Y7.11%
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.


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 42.95% 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 7 / 10 and the dividend payout ratio is 42.51%.