(ALV) Allianz SE VNA O.N. - Overview
Exchange: XETRA •
Country: Germany •
Currency: EUR •
Type: Common Stock •
ISIN: DE0008404005
Stock: Insurance, Investments, Banking
Total Rating 27
Risk 24
Buy Signal -0.75
| Risk 5d forecast | |
|---|---|
| Volatility | 19.4% |
| Relative Tail Risk | 3.26% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.02 |
| Alpha | -4.36 |
| Character TTM | |
|---|---|
| Beta | 0.285 |
| Beta Downside | -0.026 |
| Drawdowns 3y | |
|---|---|
| Max DD | 12.35% |
| CAGR/Max DD | 1.90 |
EPS (Earnings per Share)
Revenue
Description: ALV Allianz SE VNA O.N. March 04, 2026
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.
Headlines to watch out for
- 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, 0-10) 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 March 24, 2026, the stock is trading at EUR 349.70 with a total of 1,129,973 shares traded.
Over the past week, the price has changed by -2.73%, over one month by -7.68%, over three months by -10.56% and over the past year by +3.69%.
Over the past week, the price has changed by -2.73%, over one month by -7.68%, over three months by -10.56% and over the past year by +3.69%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 365 | 4.4% |
| Analysts Target Price | - | - |
ALV Fundamental Data Overview March 21, 2026
Market Cap USD = 161.99b (140.11b EUR * 1.1562 EUR.USD)
P/E Trailing = 13.9447
P/E Forward = 11.5207
P/S = 1.1679
P/B = 2.1412
P/EG = 1.5781
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 = 28.65b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.21b EUR (from netDebt column, last quarter)
Enterprise Value = 138.90b EUR (140.11b + Debt 28.65b - CCE 29.85b)
Interest Coverage Ratio = 1.07 (Ebit TTM 16.02b / Interest Expense TTM 15.00b)
EV/FCF = 7.19x (Enterprise Value 138.90b / FCF TTM 19.31b)
FCF Yield = 13.90% (FCF TTM 19.31b / Enterprise Value 138.90b)
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 138.90b / Total Assets 1024.28b)
Interest Expense / Debt = 0.64% (Interest Expense 184.0m / Debt 28.65b)
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 = 0.46 (Debt 28.65b / 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 = 5.88% (E(140.11b)/V(168.76b) * Re(6.98%) + D(28.65b)/V(168.76b) * Rd(0.64%) * (1-Tc(0.26)))
Discount Rate = 6.98% (= 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 = 3.74k (EV 1439.91b - Net Debt -1.21b = Equity 1441.11b / Shares 385.6m; r=6.0% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 57.38 | EPS CAGR: 55.79% | SUE: 0.56 | # QB: 0
Revenue Correlation: -4.75 | Revenue CAGR: -4.10% | SUE: -1.59 | # QB: 0
EPS next Year (2026-12-31): EPS=31.10 | Chg7d=+0.530 | Chg30d=+0.566 | Revisions Net=+2 | Growth EPS=+7.9% | Growth Revenue=+4.2%
P/E Trailing = 13.9447
P/E Forward = 11.5207
P/S = 1.1679
P/B = 2.1412
P/EG = 1.5781
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 = 28.65b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.21b EUR (from netDebt column, last quarter)
Enterprise Value = 138.90b EUR (140.11b + Debt 28.65b - CCE 29.85b)
Interest Coverage Ratio = 1.07 (Ebit TTM 16.02b / Interest Expense TTM 15.00b)
EV/FCF = 7.19x (Enterprise Value 138.90b / FCF TTM 19.31b)
FCF Yield = 13.90% (FCF TTM 19.31b / Enterprise Value 138.90b)
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 138.90b / Total Assets 1024.28b)
Interest Expense / Debt = 0.64% (Interest Expense 184.0m / Debt 28.65b)
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 = 0.46 (Debt 28.65b / 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 = 5.88% (E(140.11b)/V(168.76b) * Re(6.98%) + D(28.65b)/V(168.76b) * Rd(0.64%) * (1-Tc(0.26)))
Discount Rate = 6.98% (= 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 = 3.74k (EV 1439.91b - Net Debt -1.21b = Equity 1441.11b / Shares 385.6m; r=6.0% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 57.38 | EPS CAGR: 55.79% | SUE: 0.56 | # QB: 0
Revenue Correlation: -4.75 | Revenue CAGR: -4.10% | SUE: -1.59 | # QB: 0
EPS next Year (2026-12-31): EPS=31.10 | Chg7d=+0.530 | Chg30d=+0.566 | Revisions Net=+2 | Growth EPS=+7.9% | Growth Revenue=+4.2%