(ALV) Allianz SE VNA O.N. - XETRA
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: XETRA (Germany) | Market Cap: 149.704m EUR | Total Return: 16.4% in 12m
Avg Turnover: 218M
EPS Trend: 65.1%
Qual. Beats: -1
Rev. Trend: 66.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Allianz SE is a global financial services provider headquartered in Munich, operating through three primary segments: Property-Casualty, Life/Health, and Asset Management. The company serves both retail and institutional clients with a portfolio ranging from motor and property insurance to complex investment products, including fixed income and alternative assets. Founded in 1890, it maintains a significant presence in international capital markets through its digital investment and banking arms.
The multi-line insurance model allows Allianz to diversify risk across uncorrelated business cycles, balancing steady premium income from casualty lines with fee-based revenue from asset management. In the insurance sector, large-scale providers like Allianz benefit from significant float, utilizing collected premiums for investment before claims are paid out. Investors can further examine these fundamental drivers and valuation metrics on ValueRay.
- PIMCO and AllianzGI net inflows drive asset management segment revenue volatility
- Rising interest rates increase investment yields and life insurance product profitability
- Severe natural catastrophe claims impact property-casualty underwriting margins and combined ratios
- European regulatory capital requirements influence dividend stability and share buyback capacity
- Global economic growth fluctuations dictate corporate demand for commercial property-casualty coverage
| Net Income: 12.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.12 > 1.0 |
| NWC/Revenue: -555.1% < 20% (prev -143.6%; Δ -411.5% < -1%) |
| CFO/TA 0.03 > 3% & CFO 33.2b > Net Income 12.0b |
| Net Debt (10.8b) to EBITDA (17.9b): 0.60 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (382.2m) vs 12m ago -0.99% < -2% |
| Gross Margin: 83.45% > 18% (prev 82.54%; Δ 0.90% > 0.5%) |
| Asset Turnover: 13.81% > 50% (prev 12.57%; Δ 1.24% > 0%) |
| Interest Coverage Ratio: 16.37 > 6 (EBIT TTM 17.6b / Interest Expense TTM 1.07b) |
| A: -0.77 (Total Current Assets 27.5b - Total Current Liabilities 815b) / Total Assets 1027b |
| B: 0.04 (Retained Earnings 39.6b / Total Assets 1027b) |
| C: 0.02 (EBIT TTM 17.6b / Avg Total Assets 1027b) |
| D: 0.07 (Book Value of Equity 65.9b / Total Liabilities 958b) |
| Altman-Z'' = -4.71 = D |
As of June 17, 2026, the stock is trading at EUR 399.00 with a total of 473,375 shares traded.
Over the past week, the price has changed by -1.90%,
over one month by +10.36%,
over three months by +22.13% and
over the past year by +16.39%.
Allianz SE VNA O.N. has no consensus analysts rating.
P/E Trailing = 12.7528
P/E Forward = 12.6582
P/S = 1.2962
P/B = 2.2239
P/EG = 2.6937
Revenue TTM = 142b EUR
EBIT TTM = 17.6b EUR
EBITDA TTM = 17.9b EUR
Long Term Debt = 32.8b EUR (from longTermDebt, last fiscal year)
Short Term Debt = 3.00b EUR (from shortTermDebt, last fiscal year)
Debt = 38.3b EUR (corrected: LT Debt 32.8b + ST Debt 3.00b) + Leases 2.45b
Net Debt = 10.8b EUR (calculated: Debt 38.3b - CCE 27.5b)
Enterprise Value = 160b EUR (150b + Debt 38.3b - CCE 27.5b)
Interest Coverage Ratio = 16.37 (Ebit TTM 17.6b / Interest Expense TTM 1.07b)
EV/FCF = 5.09x (Enterprise Value 160b / FCF TTM 31.5b)
FCF Yield = 19.64% (FCF TTM 31.5b / Enterprise Value 160b)
FCF Margin = 22.23% (FCF TTM 31.5b / Revenue TTM 142b)
Net Margin = 8.49% (Net Income TTM 12.0b / Revenue TTM 142b)
Gross Margin = 83.45% ((Revenue TTM 142b - Cost of Revenue TTM 23.5b) / Revenue TTM)
Gross Margin QoQ = 79.87% (prev 82.90%)
Tobins Q-Ratio = 0.16 (Enterprise Value 160b / Total Assets 1027b)
Interest Expense / Debt = 2.81% (Interest Expense 1.07b / Debt 38.3b)
Taxrate = 25.45% (4.33b / 17.0b)
NOPAT = 13.1b (EBIT 17.6b * (1 - 25.45%))
Current Ratio = 0.03 (Total Current Assets 27.5b / Total Current Liabilities 815b)
Debt / Equity = 0.58 (Debt 38.3b / totalStockholderEquity, last quarter 65.9b)
Debt / EBITDA = 0.60 (Net Debt 10.8b / EBITDA 17.9b)
Debt / FCF = 0.34 (Net Debt 10.8b / FCF TTM 31.5b)
Total Stockholder Equity = 61.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.17% (Net Income 12.0b / Total Assets 1027b)
RoE = 19.58% (Net Income TTM 12.0b / Total Stockholder Equity 61.5b)
RoCE = 18.64% (EBIT 17.6b / Capital Employed (Equity 61.5b + L.T.Debt 32.8b))
RoIC = 6.29% (NOPAT 13.1b / Invested Capital 208b)
WACC = 5.87% (E(150b)/V(188b) * Re(6.83%) + D(38.3b)/V(188b) * Rd(2.81%) * (1-Tc(0.25)))
Discount Rate = 6.83% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -1.06%
[DCF] Terminal Value 75.97% ; FCFF base≈31.0b ; Y1≈32.2b ; Y5≈36.5b
[DCF] Fair Price = 1.46k (EV 563b - Net Debt 10.8b = Equity 553b / Shares 379.3m; r=8.35% [WACC [floored]]; 5y FCF grow 4.10% → 2.50% )
EPS Correlation: 65.13 | EPS CAGR: 7.24% | SUE: -4.0 | # QB: -1
Revenue Correlation: 66.59 | Revenue CAGR: 3.55% | SUE: -0.42 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.95 | Chg30d=+1.21% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=8.38 | Chg30d=+1.21% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=31.19 | Chg30d=+0.25% | Revisions=-20% | GrowthEPS=+9.1% | GrowthRev=-2.7%
EPS next Year (2027-12-31): EPS=33.06 | Chg30d=-0.83% | Revisions=-9% | GrowthEPS=+6.0% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: +20%