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

FRA:ALV • DE0008404005

369.2 EUR
+2.3 (+0.63%)
Last: Feb 16, 2026, 05:36 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 47 industry peers in the Insurance industry. ALV has an average financial health and profitability rating. ALV is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

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.
  • In the past 5 years ALV always reported a positive cash flow from operatings.
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.
  • Looking at the Return On Equity, with a value of 25.91%, ALV belongs to the top of the industry, outperforming 91.49% 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 65.96% 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 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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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.
  • 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.
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.
  • ALV's Altman-Z score of 0.23 is fine compared to the rest of the industry. ALV outperforms 76.60% 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.
  • ALV's Debt to FCF ratio of 1.06 is amongst the best of the industry. ALV outperforms 85.11% 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's Debt to Equity ratio of 0.64 is in line compared to the rest of the industry. ALV outperforms 51.06% of its industry peers.
  • 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 line with its industry, outperforming 59.57% 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.
  • With a Quick ratio value of 0.05, ALV perfoms like the industry average, outperforming 59.57% of the companies in the same industry.
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

5

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%.
  • 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)13.94%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%

3.2 Future

  • ALV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.21% yearly.
  • The Revenue is expected to grow by 21.63% 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 5Y7.21%
Revenue Next Year3.93%
Revenue Next 2Y4.46%
Revenue Next 3Y10.44%
Revenue Next 5Y21.63%

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 stable.
  • 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.
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

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.62, the valuation of ALV can be described as correct.
  • ALV's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.68, ALV is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 12.07 indicates a correct valuation of ALV.
  • 65.96% of the companies in the same industry are cheaper than ALV, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. ALV is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.62
Fwd PE 12.07
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

  • 82.98% of the companies in the same industry are more expensive than ALV, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.03
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)1.18
PEG (5Y)2.19
EPS Next 2Y9.54%
EPS Next 3Y8.69%

More info and screens

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

6

5. Dividend

5.1 Amount

  • ALV has a Yearly Dividend Yield of 4.20%, which is a nice return.
  • ALV's Dividend Yield is comparable with the industry average which is at 4.25.
  • ALV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 4.2%

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
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

  • 42.51% of the earnings are spent on dividend by ALV. 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%
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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ALLIANZ SE-REG

FRA:ALV (2/16/2026, 5:36:15 PM)

369.2

+2.3 (+0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-14
Earnings (Next)02-26
Inst Owners41.41%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap140.45B
Revenue(TTM)137.70B
Net Income(TTM)14.82B
Analysts72.8
Price Target398.85 (8.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.2%
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)2.1%
PT rev (3m)5.74%
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%
Revenue NY rev (3m)-1.36%
Valuation
Industry RankSector Rank
PE 13.62
Fwd PE 12.07
P/S 1.03
P/FCF 4.03
P/OCF 3.81
P/B 2.46
P/tB 3.62
EV/EBITDA N/A
EPS(TTM)27.1
EY7.34%
EPS(NY)30.6
Fwd EY8.29%
FCF(TTM)91.68
FCFY24.83%
OCF(TTM)96.79
OCFY26.22%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.18
PEG (5Y)2.19
Graham Number302.78
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)10.3%
EPS 3Y17.57%
EPS 5Y6.23%
EPS Q2Q%9.96%
EPS Next Y11.59%
EPS Next 2Y9.54%
EPS Next 3Y8.69%
EPS Next 5Y7.21%
Revenue 1Y (TTM)13.94%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
Revenue Next Year3.93%
Revenue Next 2Y4.46%
Revenue Next 3Y10.44%
Revenue Next 5Y21.63%
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.


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%.