(ALV) Allianz SE VNA O.N. - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: XETRA (Germany) | Market Cap: 139.891m EUR | Total Return: 21.2% in 12m
Insurance, Investments, Banking
Total Rating 37
Safety 32
Buy Signal -0.14
Insurance - Diversified
Industry Rotation: +9.8
Industry Rotation: +9.8
Market Cap:
161B
Avg Turnover: 249M EUR
Avg Turnover: 249M EUR
ATR:
2.07%
Peers RS (IBD): 23.3
Peers RS (IBD): 23.3
Risk 5d forecast
Volatility16.9%
Rel. Tail Risk2.69%
Reward TTM
Sharpe Ratio0.86
Alpha5.87
Character TTM
Beta0.256
Beta Downside0.087
Drawdowns 3y
Max DD12.35%
CAGR/Max DD1.95
EPS (Earnings per Share)
EPS CAGR: -41.23%
EPS Trend: -21.1%
EPS Trend: -21.1%
Last SUE: -4.00
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: -4.10%
Rev. Trend: -4.7%
Rev. Trend: -4.7%
Last SUE: -1.59
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: ALV Allianz SE VNA O.N.
Allianz SE operates as a diversified financial services company. It primarily offers property-casualty insurance, life/health insurance, and asset management.
The property-casualty segment provides various insurance types, including motor, accident, and property coverage for private and corporate clients. This sector is characterized by underwriting risk and claims management.
The life/health segment offers individual and group life and health insurance products, such as annuities and long-term care. Life insurance companies manage long-term liabilities and investment portfolios.
The asset management segment provides institutional and retail clients with diverse investment products, including equity, fixed income, and alternative investments like real estate. Asset management firms generate revenue through management fees based on assets under management.
Allianz also has a corporate and other segment that includes banking services. For further in-depth analysis of Allianzs financial performance and market position, consider exploring ValueRay.
- Global interest rate fluctuations impact investment income
- Catastrophe losses increase property-casualty claims
- Regulatory changes affect insurance product profitability
- Asset management fees sensitive to market performance
- Economic slowdowns reduce demand for insurance products
Piotroski VR‑10 (Strict)
5.0
| Net Income: 10.78b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.99 > 1.0 |
| NWC/Revenue: -570.1% < 20% (prev 45.10%; Δ -615.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 20.14b > Net Income 10.78b |
| Net Debt (-1.21b) to EBITDA (16.30b): -0.07 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (376.6m) vs 12m ago -2.89% < -2% |
| Gross Margin: 83.04% > 18% (prev 0.84%; Δ 8.22k% > 0.5%) |
| Asset Turnover: 13.31% > 50% (prev 13.30%; Δ 0.01% > 0%) |
| Interest Coverage Ratio: 1.07 > 6 (EBITDA TTM 16.30b / Interest Expense TTM 15.00b) |
Altman Z''
-4.77
| A: -0.77 (Total Current Assets 29.85b - Total Current Liabilities 814.62b) / Total Assets 1024.28b |
| B: 0.04 (Retained Earnings 36.24b / Total Assets 1024.28b) |
| C: 0.02 (EBIT TTM 16.02b / Avg Total Assets 1034.43b) |
| D: 0.04 (Book Value of Equity 37.41b / Total Liabilities 957.93b) |
| Altman-Z'' Score: -4.77 = D |
Beneish M
-0.93
| DSRI: 3.50 (Receivables 28.02b/8.08b, Revenue 137.66b/138.90b) |
| GMI: 1.01 (GM 83.04% / 84.03%) |
| AQI: 1.07 (AQ_t 0.96 / AQ_t-1 0.89) |
| SGI: 0.99 (Revenue 137.66b / 138.90b) |
| TATA: -0.01 (NI 10.78b - CFO 20.14b) / TA 1024.28b) |
| Beneish M-Score: -0.93 (Cap -4..+1) = D |
What is the price of ALV shares?
As of April 08, 2026, the stock is trading at EUR 367.20 with a total of 645,112 shares traded.
Over the past week, the price has changed by +2.20%, over one month by +6.68%, over three months by -4.57% and over the past year by +21.22%.
Over the past week, the price has changed by +2.20%, over one month by +6.68%, over three months by -4.57% and over the past year by +21.22%.
Is ALV a buy, sell or hold?
Allianz SE VNA O.N. has no consensus analysts rating.
What are the forecasts/targets for the ALV price?
| Analysts Target Price | - | - |
Allianz SE VNA O.N. (ALV) - Fundamental Data Overview
as of 05 April 2026
Market Cap USD = 161.15b (139.89b EUR * 1.152 EUR.USD)P/E Trailing = 13.296
P/E Forward = 11.9904
P/S = 1.2361
P/B = 2.2291
P/EG = 1.6429
Revenue TTM = 137.66b EUR
EBIT TTM = 16.02b EUR
EBITDA TTM = 16.30b EUR
Long Term Debt = 32.82b EUR (from longTermDebt, last quarter)
Short Term Debt = 3.00b EUR (from shortTermDebt, last quarter)
Debt = 35.82b EUR (corrected: LT Debt 32.82b + ST Debt 3.00b)
Net Debt = -1.21b EUR (from netDebt column, last quarter)
Enterprise Value = 145.86b EUR (139.89b + Debt 35.82b - CCE 29.85b)
Interest Coverage Ratio = 1.07 (Ebit TTM 16.02b / Interest Expense TTM 15.00b)
EV/FCF = 7.55x (Enterprise Value 145.86b / FCF TTM 19.31b)
FCF Yield = 13.24% (FCF TTM 19.31b / Enterprise Value 145.86b)
FCF Margin = 14.03% (FCF TTM 19.31b / Revenue TTM 137.66b)
Net Margin = 7.83% (Net Income TTM 10.78b / Revenue TTM 137.66b)
Gross Margin = 83.04% ((Revenue TTM 137.66b - Cost of Revenue TTM 23.34b) / Revenue TTM)
Gross Margin QoQ = 82.90% (prev 84.22%)
Tobins Q-Ratio = 0.14 (Enterprise Value 145.86b / Total Assets 1024.28b)
Interest Expense / Debt = 0.51% (Interest Expense 184.0m / Debt 35.82b)
Taxrate = 25.79% (980.0m / 3.80b)
NOPAT = 11.89b (EBIT 16.02b * (1 - 25.79%))
Current Ratio = 0.04 (Total Current Assets 29.85b / Total Current Liabilities 814.62b)
Debt / Equity = 0.57 (Debt 35.82b / totalStockholderEquity, last quarter 62.72b)
Debt / EBITDA = -0.07 (Net Debt -1.21b / EBITDA 16.30b)
Debt / FCF = -0.06 (Net Debt -1.21b / FCF TTM 19.31b)
Total Stockholder Equity = 60.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.04% (Net Income 10.78b / Total Assets 1024.28b)
RoE = 17.77% (Net Income TTM 10.78b / Total Stockholder Equity 60.63b)
RoCE = 17.14% (EBIT 16.02b / Capital Employed (Equity 60.63b + L.T.Debt 32.82b))
RoIC = 17.72% (NOPAT 11.89b / Invested Capital 67.08b)
WACC = 5.56% (E(139.89b)/V(175.71b) * Re(6.88%) + D(35.82b)/V(175.71b) * Rd(0.51%) * (1-Tc(0.26)))
Discount Rate = 6.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -1.91%
[DCF] Terminal Value 88.44% ; FCFF base≈23.58b ; Y1≈29.09b ; Y5≈49.63b
[DCF] Fair Price = 3.79k (EV 1439.91b - Net Debt -1.21b = Equity 1441.11b / Shares 380.2m; r=6.0% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -21.14 | EPS CAGR: -41.23% | SUE: -4.0 | # QB: 0
Revenue Correlation: -4.75 | Revenue CAGR: -4.10% | SUE: -1.59 | # QB: 0
EPS next Quarter (2026-06-30): EPS=7.53 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-2 | Analysts=1
EPS current Year (2026-12-31): EPS=31.08 | Chg7d=-0.335 | Chg30d=+0.023 | Revisions Net=+0 | Growth EPS=+8.7% | Growth Revenue=-2.0%
EPS next Year (2027-12-31): EPS=33.39 | Chg7d=+0.046 | Chg30d=+0.283 | Revisions Net=+0 | Growth EPS=+7.4% | Growth Revenue=+4.5%
[Analyst] Revisions Ratio: -1.00 (0 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.4% (Discount Rate 7.9% - Earnings Yield 7.5%)
[Growth] Growth Spread = -0.4% (Analyst 0.0% - Implied 0.4%)