(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 | 164,983m |
| Sector | Financial Services |
| Industry | Insurance - Diversified |
| GiC Sub-Industry | Multi-line Insurance |
| IPO / Inception |
ALV Stock Ratings
| Growth Rating | 90.4 |
| Fundamental | 65.5% |
| Dividend Rating | 80.0 |
| Rel. Strength | 20.3 |
| Analysts | - |
| Fair Price Momentum | 436.23 EUR |
| Fair Price DCF | 1654.98 EUR |
ALV Dividends
| Dividend Yield 12m | 4.60% |
| Yield on Cost 5y | 10.96% |
| Annual Growth 5y | 7.53% |
| Payout Consistency | 97.8% |
| Payout Ratio | 57.4% |
ALV Growth Ratios
| Growth Correlation 3m | -29.6% |
| Growth Correlation 12m | 92.4% |
| Growth Correlation 5y | 91.5% |
| CAGR 5y | 20.65% |
| CAGR/Max DD 5y | 0.75 |
| Sharpe Ratio 12m | 3.04 |
| Alpha | 37.49 |
| Beta | 0.375 |
| Volatility | 25.02% |
| Current Volume | 613k |
| Average Volume 20d | 512.6k |
| Stop Loss | 354 (-3%) |
As of August 10, 2025, the stock is trading at EUR 365.00 with a total of 612,965 shares traded.
Over the past week, the price has changed by +9.25%, over one month by +4.08%, over three months by +2.24% and over the past year by +49.96%.
Partly, yes. Based on ValueRay´s Fundamental Analyses, Allianz SE VNA O.N. (XETRA:ALV) is currently (August 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 65.50 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ALV is around 436.23 EUR . This means that ALV is currently undervalued and has a potential upside of +19.52% (Margin of Safety).
Allianz SE VNA O.N. has no consensus analysts rating.
According to our own proprietary Forecast Model, ALV Allianz SE VNA O.N. will be worth about 471.1 in August 2026. The stock is currently trading at 365.00. This means that the stock has a potential upside of +29.08%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 359.7 | -1.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 471.1 | 29.1% |
Piotroski VR‑10 (Strict) 6.0
| Net Income (9.88b TTM) > 0 and > 6% of Revenue (6% = 7.25b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -2.32pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 79.93% (prev 20.72%; Δ 59.20pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 39.67b > Net Income 9.88b (YES >=105%, WARN >=100%) |
| Net Debt (-32.62b) to EBITDA (14.76b) ratio: -2.21 <= 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 (386.0m) change vs 12m ago -1.43% (target <= -2.0% for YES) |
| Gross Margin 99.37% (prev 41.13%; Δ 58.24pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 12.06% (prev 13.87%; Δ -1.81pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 24.70 (EBITDA TTM 14.76b / Interest Expense TTM 586.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.87
| (A) 0.09 = (Total Current Assets 137.02b - Total Current Liabilities 40.38b) / Total Assets 1026.86b |
| (B) 0.03 = Retained Earnings (Balance) 35.91b / Total Assets 1026.86b |
| (C) 0.01 = EBIT TTM 14.47b / Avg Total Assets 1002.69b |
| (D) 0.04 = Book Value of Equity 37.08b / Total Liabilities 960.65b |
| Total Rating: 0.87 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay Score 65.50
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 4.26% = 2.13 |
| 3. FCF Margin 5.98% = 1.00 |
| 4. Debt/Equity 0.98 = 2.05 |
| 5. Debt/Ebitda 4.13 = -2.50 |
| 6. ROIC - WACC 10.32% = 10.0 |
| 7. RoE 17.10% = 2.85 |
| 8. Rev. Trend -21.33% = -5.0 |
| 9. Rev. CAGR -10.38% = -1.73 |
| 10. EPS Trend 42.27% = 5.0 |
| 11. EPS CAGR 7.04% = 0.70 |
ALV Fundamental Data Overview
Market Cap EUR = 141.46b (141.46b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 32.62b EUR (last quarter)
P/E Trailing = 14.6001
P/E Forward = 11.9474
P/S = 1.2974
P/B = 2.1779
P/EG = 1.4575
Beta = 0.974
Revenue TTM = 120.92b EUR
EBIT TTM = 14.47b EUR
EBITDA TTM = 14.76b EUR
Long Term Debt = 60.98b EUR (from longTermDebt, last quarter)
[93m Short Term Debt = unknown (0.0)
[39m Debt = 60.98b EUR (Calculated: Short Term 0.0 + Long Term 60.98b)
Net Debt = -32.62b EUR (from netDebt column, last quarter)
Enterprise Value = 169.81b EUR (141.46b + Debt 60.98b - CCE 32.62b)
Interest Coverage Ratio = 24.70 (Ebit TTM 14.47b / Interest Expense TTM 586.0m)
FCF Yield = 4.26% (FCF TTM 7.24b / Enterprise Value 169.81b)
FCF Margin = 5.98% (FCF TTM 7.24b / Revenue TTM 120.92b)
Net Margin = 8.17% (Net Income TTM 9.88b / Revenue TTM 120.92b)
Gross Margin = 99.37% ((Revenue TTM 120.92b - Cost of Revenue TTM 762.0m) / Revenue TTM)
Tobins Q-Ratio = 4.58 (Enterprise Value 169.81b / Book Value Of Equity 37.08b)
Interest Expense / Debt = 0.31% (Interest Expense 190.0m / Debt 60.98b)
Taxrate = 24.80% (from yearly Income Tax Expense: 3.48b / 14.02b)
NOPAT = 10.88b (EBIT 14.47b * (1 - 24.80%))
Current Ratio = 3.39 (Total Current Assets 137.02b / Total Current Liabilities 40.38b)
Debt / Equity = 0.98 (Debt 60.98b / last Quarter total Stockholder Equity 62.39b)
Debt / EBITDA = 4.13 (Net Debt -32.62b / EBITDA 14.76b)
Debt / FCF = 8.43 (Debt 60.98b / FCF TTM 7.24b)
Total Stockholder Equity = 57.78b (last 4 quarters mean)
RoA = 0.96% (Net Income 9.88b, Total Assets 1026.86b )
RoE = 17.10% (Net Income TTM 9.88b / Total Stockholder Equity 57.78b)
RoCE = 12.19% (Ebit 14.47b / (Equity 57.78b + L.T.Debt 60.98b))
RoIC = 15.56% (NOPAT 10.88b / Invested Capital 69.93b)
WACC = 5.24% (E(141.46b)/V(202.43b) * Re(7.40%)) + (D(60.98b)/V(202.43b) * Rd(0.31%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.30%
Discount Rate = 7.40% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.58% ; FCFE base≈16.18b ; Y1≈20.71b ; Y5≈38.37b
Fair Price DCF = 1655 (DCF Value 638.08b / Shares Outstanding 385.6m; 5y FCF grow 30.0% → 2.90% )
Revenue Correlation: -21.33 | Revenue CAGR: -10.38%
Revenue Growth Correlation: -5.50%
EPS Correlation: 42.27 | EPS CAGR: 7.04%
EPS Growth Correlation: 26.48%