ALLIANZ SE-REG (ALV.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALV - DE0008404005 - Common Stock
391 EUR
+0.6 (+0.15%)
Overall ALV gets a fundamental rating of 5 out of 10. We evaluated ALV against 45 industry peers in the Insurance industry. ALV has an average financial health and profitability rating. ALV has a correct valuation and a medium growth rate.
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 62.22% of its industry peers.
With an excellent Return On Equity value of 25.91%, ALV belongs to the best of the industry, outperforming 93.33% 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 68.89% of the companies in the same industry.
In the last couple of years the Profit Margin of ALV has grown nicely.
ALV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 1 year ago, ALV has less shares outstanding
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
Based on the Altman-Z score of 0.24, we must say that ALV is in the distress zone and has some risk of bankruptcy.
ALV's Altman-Z score of 0.24 is amongst the best of the industry. ALV outperforms 82.22% 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.
With an excellent Debt to FCF ratio value of 1.06, ALV belongs to the best of the industry, outperforming 84.44% of the companies in the same industry.
A Debt/Equity ratio of 0.64 indicates that 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 53.33% of 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 1.06 | ||
| Altman-Z | 0.24 |
ROIC/WACCN/A
WACC6.7%
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 68.89% of its industry peers.
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 68.89% of its industry peers.
| 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.
Looking at the last year, ALV shows a quite strong growth in Revenue. The Revenue has grown by 13.94% in the last year.
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
The Earnings Per Share is expected to grow by 7.87% on average over the next years.
The Revenue is expected to grow by 22.27% on average over the next years. This is a very strong growth
EPS Next Y10.3%
EPS Next 2Y9.3%
EPS Next 3Y8.59%
EPS Next 5Y7.87%
Revenue Next Year4.78%
Revenue Next 2Y4.99%
Revenue Next 3Y10.44%
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.
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
With a Price/Earnings ratio of 14.43, ALV is valued correctly.
ALV's Price/Earnings is on the same level as the industry average.
ALV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.57.
Based on the Price/Forward Earnings ratio of 12.83, the valuation of ALV can be described as correct.
Based on the Price/Forward Earnings ratio, ALV is valued a bit more expensive than 64.44% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.04. ALV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.43 | ||
| Fwd PE | 12.83 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ALV is valued cheaply inside the industry as 84.44% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.4
PEG (5Y)2.32
EPS Next 2Y9.3%
EPS Next 3Y8.59%
5. Dividend
5.1 Amount
ALV has a Yearly Dividend Yield of 3.99%.
Compared to an average industry Dividend Yield of 3.95, ALV has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.88, ALV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
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
42.51% of the earnings are spent on dividend by ALV. 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 2Y9.3%
EPS Next 3Y8.59%
FRA:ALV (12/23/2025, 7:00:00 PM)
391
+0.6 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners41.71%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap148.74B
Revenue(TTM)137.70B
Net Income(TTM)14.82B
Analysts72.17
Price Target390.63 (-0.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
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)3.56%
PT rev (3m)3.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.82%
EPS NY rev (1m)-0.66%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)-0.56%
Revenue NY rev (3m)-3.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.43 | ||
| Fwd PE | 12.83 | ||
| P/S | 1.09 | ||
| P/FCF | 4.26 | ||
| P/OCF | 4.04 | ||
| P/B | 2.6 | ||
| P/tB | 3.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)27.1
EY6.93%
EPS(NY)30.47
Fwd EY7.79%
FCF(TTM)91.68
FCFY23.45%
OCF(TTM)96.79
OCFY24.75%
SpS357.44
BVpS150.35
TBVpS102.02
PEG (NY)1.4
PEG (5Y)2.32
Graham Number302.78
Profitability
| Industry Rank | Sector 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 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 | 235.39% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | 0.24 |
F-Score7
WACC6.7%
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 Y10.3%
EPS Next 2Y9.3%
EPS Next 3Y8.59%
EPS Next 5Y7.87%
Revenue 1Y (TTM)13.94%
Revenue growth 3Y-14.09%
Revenue growth 5Y-8.64%
Sales Q2Q%5.46%
Revenue Next Year4.78%
Revenue Next 2Y4.99%
Revenue Next 3Y10.44%
Revenue Next 5Y22.27%
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.
What is the valuation status for ALV stock?
ChartMill assigns a valuation rating of 4 / 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 5 / 10 and the dividend payout ratio is 42.51%.