(ALV) Allianz SE VNA O.N. - Ratings and Ratios
Insurance, Asset Management, Banking Services, Life Insurance, Health Insurance
ALV EPS (Earnings per Share)
ALV Revenue
Description: ALV Allianz SE VNA O.N.
Allianz SE is a multinational financial services company providing a wide range of insurance and asset management products. The company operates through four main segments: Property-Casualty, Life/Health, Asset Management, and Corporate and Other. Its diverse product portfolio includes motor liability, accident, and health insurance, as well as asset management services for institutional and retail clients.
From a financial perspective, Allianz SE has a market capitalization of approximately €134.8 billion, indicating a significant presence in the global insurance market. The companys price-to-earnings ratio is 13.79, suggesting a relatively stable valuation. The forward P/E ratio of 11.75 implies expected earnings growth. Additionally, the return on equity (RoE) of 17.10% indicates a strong ability to generate profits from shareholder equity.
To further analyze Allianz SEs performance, key performance indicators (KPIs) such as the combined ratio, which measures the companys underwriting profitability, and the asset under management (AUM) growth rate, which indicates the companys ability to attract and retain assets, are crucial. A combined ratio below 100% indicates profitable underwriting, while a high AUM growth rate suggests successful asset management. The companys dividend yield and payout ratio are also important metrics, as they reflect the companys ability to return value to shareholders.
Considering the companys diversified business model and significant market presence, Allianz SEs financial health and operational efficiency are critical factors in evaluating its stock performance. By examining KPIs such as revenue growth, operating margin, and return on assets (RoA), investors can gain a more comprehensive understanding of the companys strengths and weaknesses. Furthermore, industry trends, competitive landscape, and macroeconomic factors should also be taken into account when assessing Allianz SEs investment potential.
ALV Stock Overview
| Market Cap in USD | 169,531m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception |
ALV Stock Ratings
| Growth Rating | 91.4% |
| Fundamental | 70.5% |
| Dividend Rating | 79.7% |
| Return 12m vs S&P 500 | 14.2% |
| Analyst Rating | - |
ALV Dividends
| Dividend Yield 12m | 4.55% |
| Yield on Cost 5y | 10.82% |
| Annual Growth 5y | 7.53% |
| Payout Consistency | 97.8% |
| Payout Ratio | 57.4% |
ALV Growth Ratios
| Growth Correlation 3m | 54.9% |
| Growth Correlation 12m | 92.4% |
| Growth Correlation 5y | 91.6% |
| CAGR 5y | 20.25% |
| CAGR/Max DD 5y | 0.74 |
| Sharpe Ratio 12m | 2.00 |
| Alpha | 25.28 |
| Beta | 0.375 |
| Volatility | 19.45% |
| Current Volume | 480k |
| Average Volume 20d | 526.3k |
| Stop Loss | 350.7 (-3%) |
| Signal | -2.26 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (10.21b TTM) > 0 and > 6% of Revenue (6% = 7.34b TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 0.73pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 78.99% (prev -13.87%; Δ 92.85pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 32.04b > Net Income 10.21b (YES >=105%, WARN >=100%) |
| Net Debt (-1.34b) to EBITDA (11.39b) ratio: -0.12 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.39 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (385.6m) change vs 12m ago -1.01% (target <= -2.0% for YES) |
| Gross Margin 84.91% (prev 97.78%; Δ -12.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 12.29% (prev 12.04%; Δ 0.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 19.08 (EBITDA TTM 11.39b / Interest Expense TTM 586.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.85
| (A) 0.10 = (Total Current Assets 137.02b - Total Current Liabilities 40.38b) / Total Assets 992.88b |
| (B) 0.03 = Retained Earnings (Balance) 31.74b / Total Assets 992.88b |
| (C) 0.01 = EBIT TTM 11.18b / Avg Total Assets 995.62b |
| (D) 0.03 = Book Value of Equity 31.74b / Total Liabilities 932.37b |
| Total Rating: 0.85 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 70.47
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 21.65% = 5.0 |
| 3. FCF Margin 24.74% = 6.19 |
| 4. Debt/Equity 0.49 = 2.38 |
| 5. Debt/Ebitda 2.47 = -0.91 |
| 6. ROIC - WACC 6.48% = 8.10 |
| 7. RoE 17.18% = 1.43 |
| 8. Rev. Trend -26.43% = -1.32 |
| 9. Rev. CAGR -12.57% = -2.10 |
| 10. EPS Trend 47.05% = 1.18 |
| 11. EPS CAGR 0.09% = 0.01 |
What is the price of ALV shares?
Over the past week, the price has changed by -3.55%, over one month by +6.48%, over three months by +3.85% and over the past year by +34.38%.
Is Allianz SE VNA O.N. a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ALV is around 416.76 EUR . This means that ALV is currently undervalued and has a potential upside of +15.25% (Margin of Safety).
Is ALV a buy, sell or hold?
What are the forecasts/targets for the ALV price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 359.9 | -0.5% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 455.4 | 25.9% |
ALV Fundamental Data Overview
Market Cap EUR = 145.55b (145.55b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 33.89b EUR (Cash only, last quarter)
P/E Trailing = 14.4802
P/E Forward = 12.5
P/S = 1.335
P/B = 2.4854
P/EG = 1.525
Beta = 0.974
Revenue TTM = 122.36b EUR
EBIT TTM = 11.18b EUR
EBITDA TTM = 11.39b EUR
Long Term Debt = 25.81b EUR (from longTermDebt, last quarter)
Short Term Debt = 2.36b EUR (from shortTermDebt, last fiscal year)
Debt = 28.16b EUR (Calculated: Short Term 2.36b + Long Term 25.81b)
Net Debt = -1.34b EUR (from netDebt column, last fiscal year)
Enterprise Value = 139.82b EUR (145.55b + Debt 28.16b - CCE 33.89b)
Interest Coverage Ratio = 19.08 (Ebit TTM 11.18b / Interest Expense TTM 586.0m)
FCF Yield = 21.65% (FCF TTM 30.28b / Enterprise Value 139.82b)
FCF Margin = 24.74% (FCF TTM 30.28b / Revenue TTM 122.36b)
Net Margin = 8.34% (Net Income TTM 10.21b / Revenue TTM 122.36b)
Gross Margin = 84.91% ((Revenue TTM 122.36b - Cost of Revenue TTM 18.46b) / Revenue TTM)
Tobins Q-Ratio = 4.41 (Enterprise Value 139.82b / Book Value Of Equity 31.74b)
Interest Expense / Debt = 0.67% (Interest Expense 190.0m / Debt 28.16b)
Taxrate = 24.80% (from yearly Income Tax Expense: 3.48b / 14.02b)
NOPAT = 8.41b (EBIT 11.18b * (1 - 24.80%))
Current Ratio = 3.39 (Total Current Assets 137.02b / Total Current Liabilities 40.38b)
Debt / Equity = 0.49 (Debt 28.16b / last Quarter total Stockholder Equity 57.20b)
Debt / EBITDA = 2.47 (Net Debt -1.34b / EBITDA 11.39b)
Debt / FCF = 0.93 (Debt 28.16b / FCF TTM 30.28b)
Total Stockholder Equity = 59.41b (last 4 quarters mean)
RoA = 1.03% (Net Income 10.21b, Total Assets 992.88b )
RoE = 17.18% (Net Income TTM 10.21b / Total Stockholder Equity 59.41b)
RoCE = 13.12% (Ebit 11.18b / (Equity 59.41b + L.T.Debt 25.81b))
RoIC = 12.77% (NOPAT 8.41b / Invested Capital 65.86b)
WACC = 6.28% (E(145.55b)/V(173.71b) * Re(7.40%)) + (D(28.16b)/V(173.71b) * Rd(0.67%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.65%
Discount Rate = 7.40% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈27.43b ; Y1≈33.84b ; Y5≈57.74b
Fair Price DCF = 2547 (DCF Value 982.02b / Shares Outstanding 385.6m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: -26.43 | Revenue CAGR: -12.57%
Rev Growth-of-Growth: 1.92
EPS Correlation: 47.05 | EPS CAGR: 0.09%
EPS Growth-of-Growth: 13.42