ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:ALV • DE0008404005
371.8 EUR
+2.5 (+0.68%)
Last: Jan 30, 2026, 07:00 PM
ALV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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
- In the past year ALV was profitable.
- ALV had a positive operating cash flow in the past year.
- ALV had positive earnings in each of the past 5 years.
- ALV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- ALV's Return On Assets of 1.49% is fine compared to the rest of the industry. ALV outperforms 62.50% of its industry peers.
- Looking at the Return On Equity, with a value of 25.91%, ALV belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
| 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.
- 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) | 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
- Compared to 1 year ago, ALV has a worse debt to assets ratio.
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.
- The Altman-Z score of ALV (0.23) is better than 81.25% of its industry peers.
- 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 85.42% of the companies in the same industry.
- 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
WACC6.8%
2.3 Liquidity
- A Current Ratio of 0.05 indicates that ALV may have some problems paying its short term obligations.
- ALV's Current ratio of 0.05 is fine compared to the rest of the industry. ALV outperforms 66.67% 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.
- Looking at the Quick ratio, with a value of 0.05, ALV is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
| 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.
- ALV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.23% yearly.
- Looking at the last year, ALV shows a quite strong growth in Revenue. The Revenue has grown by 13.94% in the last year.
- 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 7.56% on average over the next years.
- The Revenue is expected to grow by 21.91% on average over the next years. This is a very strong growth
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
- 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.
- 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
- Based on the Price/Earnings ratio of 13.72, the valuation of ALV can be described as correct.
- 60.42% of the companies in the same industry are more expensive than ALV, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.30. ALV is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 12.15, which indicates a correct valuation of ALV.
- 60.42% of the companies in the same industry are cheaper than ALV, based on the Price/Forward Earnings ratio.
- ALV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.72 | ||
| Fwd PE | 12.15 |
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 85.42% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.06 | ||
| 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)1.18
PEG (5Y)2.2
EPS Next 2Y9.54%
EPS Next 3Y8.69%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.16%, ALV is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.17, ALV has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, ALV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
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 42.51% 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%.