ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALV - DE0008404005 - Common Stock
371.5 EUR
-1.9 (-0.51%)
Taking everything into account, ALV scores 5 out of 10 in our fundamental rating. ALV was compared to 47 industry peers in the Insurance industry. ALV has only an average score on both its financial health and profitability. ALV has a correct valuation and a medium 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.
Each year in the past 5 years ALV had a positive operating cash flow.
1.2 Ratios
ALV's Return On Assets of 1.51% is fine compared to the rest of the industry. ALV outperforms 72.34% of its industry peers.
Looking at the Return On Equity, with a value of 26.15%, ALV belongs to the top of the industry, outperforming 95.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 26.15% | ||
| 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 11.00%, ALV is doing good in the industry, outperforming 72.34% of the companies in the same industry.
In the last couple of years the Profit Margin of ALV has grown nicely.
The Operating Margin and Gross Margin are not available for ALV so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 11% | ||
| 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.
The number of shares outstanding for ALV has been reduced compared to 5 years ago.
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 an excellent Altman-Z score value of 0.23, ALV belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
The Debt to FCF ratio of ALV is 1.06, which is an excellent value as it means it would take ALV, only 1.06 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.06, ALV belongs to the top of the industry, outperforming 89.36% of the companies in the same industry.
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 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
WACC6.65%
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 63.83% of its industry peers.
A Quick Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.05, ALV is doing good in the industry, outperforming 63.83% of the companies in the same industry.
| 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.
Measured over the past 5 years, ALV shows a small growth in Earnings Per Share. The EPS has been growing by 6.23% on average per year.
ALV shows a decrease in Revenue. In the last year, the revenue decreased by -2.53%.
The Revenue has been decreasing by -8.64% on average over the past years.
EPS 1Y (TTM)10.3%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%9.96%
Revenue 1Y (TTM)-2.53%
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 Y11.03%
EPS Next 2Y9.42%
EPS Next 3Y8.83%
EPS Next 5Y7.87%
Revenue Next Year5.37%
Revenue Next 2Y5.47%
Revenue Next 3Y4.9%
Revenue Next 5Y22.27%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 13.71 indicates a correct valuation of ALV.
ALV's Price/Earnings is on the same level as the industry average.
ALV is valuated rather cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.17 indicates a correct valuation of ALV.
ALV's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ALV is more expensive than 61.70% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. ALV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.71 | ||
| Fwd PE | 12.17 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ALV is valued cheaper than 82.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.11 | ||
| 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)1.24
PEG (5Y)2.2
EPS Next 2Y9.42%
EPS Next 3Y8.83%
5. Dividend
5.1 Amount
ALV has a Yearly Dividend Yield of 3.12%.
ALV's Dividend Yield is slightly below the industry average, which is at 4.53.
ALV's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
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 Years1
Div Non Decr Years6
5.3 Sustainability
ALV pays out 42.12% 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.
DP42.12%
EPS Next 2Y9.42%
EPS Next 3Y8.83%
FRA:ALV (11/27/2025, 5:29:53 PM)
371.5
-1.9 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.21%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap143.46B
Revenue(TTM)66.02B
Net Income(TTM)14.96B
Analysts70.43
Price Target378.34 (1.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
Yearly Dividend14.8
Dividend Growth(5Y)8.88%
DP42.12%
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)0.48%
PT rev (3m)0.86%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)0.82%
EPS NY rev (1m)0.81%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)-3.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.71 | ||
| Fwd PE | 12.17 | ||
| P/S | 1.06 | ||
| P/FCF | 4.11 | ||
| P/OCF | 3.9 | ||
| P/B | 2.51 | ||
| P/tB | 3.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)27.1
EY7.29%
EPS(NY)30.53
Fwd EY8.22%
FCF(TTM)90.32
FCFY24.31%
OCF(TTM)95.35
OCFY25.67%
SpS352.12
BVpS148.11
TBVpS100.5
PEG (NY)1.24
PEG (5Y)2.2
Graham Number300.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 26.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 11% | ||
| 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 | 233.2% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | 0.23 |
F-Score7
WACC6.65%
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 Y11.03%
EPS Next 2Y9.42%
EPS Next 3Y8.83%
EPS Next 5Y7.87%
Revenue 1Y (TTM)-2.53%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
Revenue Next Year5.37%
Revenue Next 2Y5.47%
Revenue Next 3Y4.9%
Revenue Next 5Y22.27%
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year7.31%
EBIT Next 3Y5.78%
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 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.
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 4 / 10 and the dividend payout ratio is 42.12%.