(ALV) Allianz SE VNA O.N. - Overview
Exchange: XETRA •
Country: Germany •
Currency: EUR •
Type: Common Stock •
ISIN: DE0008404005
Stock: Insurance, Asset Management, Health, Life
Total Rating 62
Risk 67
Buy Signal -0.10
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.25% |
| Yield on Cost 5y | 10.43% |
| Yield CAGR 5y | 12.54% |
| Payout Consistency | 97.9% |
| Payout Ratio | 75.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 16.1% |
| Relative Tail Risk | 1.84% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.96 |
| Alpha | 18.95 |
| Character TTM | |
|---|---|
| Beta | 0.025 |
| Beta Downside | 0.194 |
| Drawdowns 3y | |
|---|---|
| Max DD | 12.03% |
| CAGR/Max DD | 2.09 |
Description: ALV Allianz SE VNA O.N. January 28, 2026
Allianz SE (XETRA:ALV) operates globally across three core divisions: Property-Casualty insurance (motor liability, fire, travel, etc.), Life/Health insurance (annuity, term, unit-linked, long-term care), and Asset Management (equity, fixed-income, real-estate and infrastructure funds). A fourth “Corporate & Other” unit adds banking and digital investment services for retail clients.
As of the latest FY 2023 results, Allianz reported a combined ratio of 93.2 % in its Property-Casualty segment (indicating underwriting profitability) and a net profit of €13.2 bn, while assets under management grew 4.5 % year-on-year to €1.1 trn, driven by strong inflows into sustainable real-asset strategies. The European insurance market remains sensitive to interest-rate cycles; the recent ECB rate hikes have lifted investment yields but also increased liability duration risk, a key driver of Allianz’s earnings outlook.
For a deeper, data-rich assessment of how these dynamics translate into valuation metrics, consider exploring the detailed analyst models on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 10.58b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.18 > 1.0 |
| NWC/Revenue: 46.16% < 20% (prev -24.13%; Δ 70.29% < -1%) |
| CFO/TA 0.04 > 3% & CFO 36.77b > Net Income 10.58b |
| Net Debt (-32.08b) to EBITDA (16.04b): -2.00 < 3 |
| Current Ratio: 2.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (381.4m) vs 12m ago -1.54% < -2% |
| Gross Margin: 82.85% > 18% (prev 0.93%; Δ 8191 % > 0.5%) |
| Asset Turnover: 13.31% > 50% (prev 12.63%; Δ 0.68% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBITDA TTM 16.04b / Interest Expense TTM 15.02b) |
Altman Z'' 0.66
| A: 0.06 (Total Current Assets 105.38b - Total Current Liabilities 42.74b) / Total Assets 1012.77b |
| B: 0.03 (Retained Earnings 33.60b / Total Assets 1012.77b) |
| C: 0.02 (EBIT TTM 15.76b / Avg Total Assets 1019.63b) |
| D: 0.04 (Book Value of Equity 34.77b / Total Liabilities 949.07b) |
| Altman-Z'' Score: 0.66 = B |
Beneish M -2.98
| DSRI: 0.97 (Receivables 8.08b/7.94b, Revenue 135.73b/129.63b) |
| GMI: 1.13 (GM 82.85% / 93.37%) |
| AQI: 0.92 (AQ_t 0.89 / AQ_t-1 0.97) |
| SGI: 1.05 (Revenue 135.73b / 129.63b) |
| TATA: -0.03 (NI 10.58b - CFO 36.77b) / TA 1012.77b) |
| Beneish M-Score: -2.98 (Cap -4..+1) = A |
What is the price of ALV shares?
As of February 01, 2026, the stock is trading at EUR 371.80 with a total of 587,919 shares traded.
Over the past week, the price has changed by +2.17%, over one month by -4.79%, over three months by +4.41% and over the past year by +22.89%.
Over the past week, the price has changed by +2.17%, over one month by -4.79%, over three months by +4.41% and over the past year by +22.89%.
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 | -1.8% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 473.8 | 27.4% |
ALV Fundamental Data Overview January 26, 2026
Market Cap USD = 167.82b (140.11b EUR * 1.1978 EUR.USD)
P/E Trailing = 13.9447
P/E Forward = 11.4679
P/S = 1.336
P/B = 2.2982
P/EG = 1.4157
Revenue TTM = 135.73b EUR
EBIT TTM = 15.76b EUR
EBITDA TTM = 16.04b EUR
Long Term Debt = 66.15b EUR (from longTermDebt, last quarter)
Short Term Debt = 2.36b EUR (from shortTermDebt, last fiscal year)
Debt = 30.30b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -32.08b EUR (from netDebt column, last quarter)
Enterprise Value = 138.33b EUR (140.11b + Debt 30.30b - CCE 32.08b)
Interest Coverage Ratio = 1.05 (Ebit TTM 15.76b / Interest Expense TTM 15.02b)
EV/FCF = 3.97x (Enterprise Value 138.33b / FCF TTM 34.83b)
FCF Yield = 25.18% (FCF TTM 34.83b / Enterprise Value 138.33b)
FCF Margin = 25.66% (FCF TTM 34.83b / Revenue TTM 135.73b)
Net Margin = 7.80% (Net Income TTM 10.58b / Revenue TTM 135.73b)
Gross Margin = 82.85% ((Revenue TTM 135.73b - Cost of Revenue TTM 23.28b) / Revenue TTM)
Gross Margin QoQ = 84.22% (prev 86.50%)
Tobins Q-Ratio = 0.14 (Enterprise Value 138.33b / Total Assets 1012.77b)
Interest Expense / Debt = 0.61% (Interest Expense 186.0m / Debt 30.30b)
Taxrate = 24.79% (992.0m / 4.00b)
NOPAT = 11.85b (EBIT 15.76b * (1 - 24.79%))
Current Ratio = 2.47 (Total Current Assets 105.38b / Total Current Liabilities 42.74b)
Debt / Equity = 0.50 (Debt 30.30b / totalStockholderEquity, last quarter 60.21b)
Debt / EBITDA = -2.00 (Net Debt -32.08b / EBITDA 16.04b)
Debt / FCF = -0.92 (Net Debt -32.08b / FCF TTM 34.83b)
Total Stockholder Equity = 60.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.04% (Net Income 10.58b / Total Assets 1012.77b)
RoE = 17.63% (Net Income TTM 10.58b / Total Stockholder Equity 60.02b)
RoCE = 12.49% (EBIT 15.76b / Capital Employed (Equity 60.02b + L.T.Debt 66.15b))
RoIC = 17.83% (NOPAT 11.85b / Invested Capital 66.47b)
WACC = 5.02% (E(140.11b)/V(170.40b) * Re(6.01%) + D(30.30b)/V(170.40b) * Rd(0.61%) * (1-Tc(0.25)))
Discount Rate = 6.01% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.29%
[DCF Debug] Terminal Value 88.43% ; FCFF base≈30.16b ; Y1≈37.21b ; Y5≈63.37b
Fair Price DCF = 4869 (EV 1845.31b - Net Debt -32.08b = Equity 1877.39b / Shares 385.6m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 43.81 | EPS CAGR: -5.17% | SUE: 1.18 | # QB: 2
Revenue Correlation: -42.74 | Revenue CAGR: -19.60% | SUE: 1.59 | # QB: 3
EPS next Year (2026-12-31): EPS=31.10 | Chg30d=+0.566 | Revisions Net=+2 | Growth EPS=+7.9% | Growth Revenue=+4.2%
P/E Trailing = 13.9447
P/E Forward = 11.4679
P/S = 1.336
P/B = 2.2982
P/EG = 1.4157
Revenue TTM = 135.73b EUR
EBIT TTM = 15.76b EUR
EBITDA TTM = 16.04b EUR
Long Term Debt = 66.15b EUR (from longTermDebt, last quarter)
Short Term Debt = 2.36b EUR (from shortTermDebt, last fiscal year)
Debt = 30.30b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -32.08b EUR (from netDebt column, last quarter)
Enterprise Value = 138.33b EUR (140.11b + Debt 30.30b - CCE 32.08b)
Interest Coverage Ratio = 1.05 (Ebit TTM 15.76b / Interest Expense TTM 15.02b)
EV/FCF = 3.97x (Enterprise Value 138.33b / FCF TTM 34.83b)
FCF Yield = 25.18% (FCF TTM 34.83b / Enterprise Value 138.33b)
FCF Margin = 25.66% (FCF TTM 34.83b / Revenue TTM 135.73b)
Net Margin = 7.80% (Net Income TTM 10.58b / Revenue TTM 135.73b)
Gross Margin = 82.85% ((Revenue TTM 135.73b - Cost of Revenue TTM 23.28b) / Revenue TTM)
Gross Margin QoQ = 84.22% (prev 86.50%)
Tobins Q-Ratio = 0.14 (Enterprise Value 138.33b / Total Assets 1012.77b)
Interest Expense / Debt = 0.61% (Interest Expense 186.0m / Debt 30.30b)
Taxrate = 24.79% (992.0m / 4.00b)
NOPAT = 11.85b (EBIT 15.76b * (1 - 24.79%))
Current Ratio = 2.47 (Total Current Assets 105.38b / Total Current Liabilities 42.74b)
Debt / Equity = 0.50 (Debt 30.30b / totalStockholderEquity, last quarter 60.21b)
Debt / EBITDA = -2.00 (Net Debt -32.08b / EBITDA 16.04b)
Debt / FCF = -0.92 (Net Debt -32.08b / FCF TTM 34.83b)
Total Stockholder Equity = 60.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.04% (Net Income 10.58b / Total Assets 1012.77b)
RoE = 17.63% (Net Income TTM 10.58b / Total Stockholder Equity 60.02b)
RoCE = 12.49% (EBIT 15.76b / Capital Employed (Equity 60.02b + L.T.Debt 66.15b))
RoIC = 17.83% (NOPAT 11.85b / Invested Capital 66.47b)
WACC = 5.02% (E(140.11b)/V(170.40b) * Re(6.01%) + D(30.30b)/V(170.40b) * Rd(0.61%) * (1-Tc(0.25)))
Discount Rate = 6.01% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.29%
[DCF Debug] Terminal Value 88.43% ; FCFF base≈30.16b ; Y1≈37.21b ; Y5≈63.37b
Fair Price DCF = 4869 (EV 1845.31b - Net Debt -32.08b = Equity 1877.39b / Shares 385.6m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 43.81 | EPS CAGR: -5.17% | SUE: 1.18 | # QB: 2
Revenue Correlation: -42.74 | Revenue CAGR: -19.60% | SUE: 1.59 | # QB: 3
EPS next Year (2026-12-31): EPS=31.10 | Chg30d=+0.566 | Revisions Net=+2 | Growth EPS=+7.9% | Growth Revenue=+4.2%