ALV Stock Overview
Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide.
Price History & Performance
|Historical stock prices|
|Current Share Price||€161.80|
|52 Week High||€232.50|
|52 Week Low||€156.22|
|1 Month Change||-4.02%|
|3 Month Change||-11.10%|
|1 Year Change||-17.15%|
|3 Year Change||-21.55%|
|5 Year Change||-16.53%|
|Change since IPO||53.74%|
Recent News & Updates
|ALV||DE Insurance||DE Market|
Return vs Industry: ALV underperformed the German Insurance industry which returned -9.6% over the past year.
Return vs Market: ALV exceeded the German Market which returned -29.6% over the past year.
|ALV Average Weekly Movement||3.2%|
|Insurance Industry Average Movement||3.4%|
|Market Average Movement||5.6%|
|10% most volatile stocks in DE Market||10.0%|
|10% least volatile stocks in DE Market||2.9%|
Stable Share Price: ALV is less volatile than 75% of German stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: ALV's weekly volatility (3%) has been stable over the past year.
About the Company
Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company’s Property-Casualty segment offers various insurance products, including motor liability and own damage, accident, general liability, fire and property, legal expense, credit, and travel to private and corporate customers. Its Life/Health segment provides a range of life and health insurance products on an individual and a group basis, such as annuities, endowment and term insurance, and unit-linked and investment-oriented products, as well as private and supplemental health, and long-term care insurance products.
Allianz Fundamentals Summary
|ALV fundamental statistics|
Is ALV overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ALV income statement (TTM)|
|Cost of Revenue||€87.01b|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
Nov 10, 2022
|Earnings per share (EPS)||10.01|
|Net Profit Margin||3.76%|
How did ALV perform over the long term?See historical performance and comparison
6.7%Current Dividend Yield
Is ALV undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for ALV?
Other financial metrics that can be useful for relative valuation.
|What is ALV's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does ALV's PE Ratio compare to its peers?
|ALV PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
NBG6 NÜRNBERGER Beteiligungs-AG
MUV2 Münchener Rückversicherungs-Gesellschaft in München
HNR1 Hannover Rück
Price-To-Earnings vs Peers: ALV is expensive based on its Price-To-Earnings Ratio (16.2x) compared to the peer average (14.9x).
Price to Earnings Ratio vs Industry
How does ALV's PE Ratio compare vs other companies in the European Insurance Industry?
Price-To-Earnings vs Industry: ALV is expensive based on its Price-To-Earnings Ratio (16.2x) compared to the European Insurance industry average (10x)
Price to Earnings Ratio vs Fair Ratio
What is ALV's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||16.2x|
|Fair PE Ratio||16.8x|
Price-To-Earnings vs Fair Ratio: ALV is good value based on its Price-To-Earnings Ratio (16.2x) compared to the estimated Fair Price-To-Earnings Ratio (16.8x).
Share Price vs Fair Value
What is the Fair Price of ALV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: ALV (€161.8) is trading below our estimate of fair value (€578.84)
Significantly Below Fair Value: ALV is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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How is Allianz forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ALV's forecast earnings growth (16.9% per year) is above the savings rate (-0.01%).
Earnings vs Market: ALV's earnings (16.9% per year) are forecast to grow faster than the German market (9.8% per year).
High Growth Earnings: ALV's earnings are forecast to grow, but not significantly.
Revenue vs Market: ALV's revenue (4.2% per year) is forecast to grow faster than the German market (3.8% per year).
High Growth Revenue: ALV's revenue (4.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ALV's Return on Equity is forecast to be low in 3 years time (15.7%).
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How has Allianz performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ALV has high quality earnings.
Growing Profit Margin: ALV's current net profit margins (3.8%) are lower than last year (7.3%).
Past Earnings Growth Analysis
Earnings Trend: ALV's earnings have declined by 2.9% per year over the past 5 years.
Accelerating Growth: ALV's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ALV had negative earnings growth (-53.5%) over the past year, making it difficult to compare to the Insurance industry average (-15.3%).
Return on Equity
High ROE: ALV's Return on Equity (7.5%) is considered low.
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How is Allianz's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: ALV's short term assets (€138.1B) exceed its short term liabilities (€116.7B).
Long Term Liabilities: ALV's short term assets (€138.1B) do not cover its long term liabilities (€873.0B).
Debt to Equity History and Analysis
Debt Level: ALV's net debt to equity ratio (13.2%) is considered satisfactory.
Reducing Debt: ALV's debt to equity ratio has increased from 51.9% to 63.8% over the past 5 years.
Debt Coverage: ALV's debt is not well covered by operating cash flow (18.7%).
Interest Coverage: ALV's interest payments on its debt are not well covered by EBIT (1.4x coverage).
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What is Allianz current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
|Allianz Dividend Yield vs Market|
|Market Bottom 25% (DE)||1.7%|
|Market Top 25% (DE)||5.7%|
|Industry Average (Insurance)||5.3%|
|Analyst forecast in 3 Years (Allianz)||7.6%|
Notable Dividend: ALV's dividend (6.67%) is higher than the bottom 25% of dividend payers in the German market (1.69%).
High Dividend: ALV's dividend (6.67%) is in the top 25% of dividend payers in the German market (5.77%)
Stability and Growth of Payments
Stable Dividend: ALV's dividends per share have been stable in the past 10 years.
Growing Dividend: ALV's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its high payout ratio (111.5%), ALV's dividend payments are not well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: At its current cash payout ratio (76.2%), ALV's dividend payments are covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Oliver Bate (57 yo)
Mr. Oliver Bate has been Chief Executive Officer and Chairman of the Management Board at Allianz Group and Allianz SE since May 7, 2015. Mr. Bäte is a Member of Supervisory Board at Allianz Deutschland AG....
CEO Compensation Analysis
|Oliver Bate's Compensation vs Allianz Earnings|
|Date||Total Comp.||Salary||Company Earnings|
|Jun 30 2022||n/a||n/a|
|Mar 31 2022||n/a||n/a|
|Dec 31 2021||€8m||€2m|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||n/a||n/a|
|Mar 31 2021||n/a||n/a|
|Dec 31 2020||€7m||€2m|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||n/a||n/a|
|Mar 31 2020||n/a||n/a|
|Dec 31 2019||€7m||€2m|
|Sep 30 2019||n/a||n/a|
|Jun 30 2019||n/a||n/a|
|Mar 31 2019||n/a||n/a|
|Dec 31 2018||€7m||€1m|
|Sep 30 2018||n/a||n/a|
|Jun 30 2018||n/a||n/a|
|Mar 31 2018||n/a||n/a|
|Dec 31 2017||n/a||n/a|
|Sep 30 2017||n/a||n/a|
|Jun 30 2017||n/a||n/a|
|Mar 31 2017||n/a||n/a|
|Dec 31 2016||€6m||€1m|
|Sep 30 2016||n/a||n/a|
|Jun 30 2016||n/a||n/a|
|Mar 31 2016||n/a||n/a|
|Dec 31 2015||€5m||€994k|
Compensation vs Market: Oliver's total compensation ($USD7.71M) is above average for companies of similar size in the German market ($USD5.74M).
Compensation vs Earnings: Oliver's compensation has been consistent with company performance over the past year.
Experienced Management: ALV's management team is considered experienced (2.5 years average tenure).
Experienced Board: ALV's board of directors are seasoned and experienced ( 10.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Allianz SE's employee growth, exchange listings and data sources
- Name: Allianz SE
- Ticker: ALV
- Exchange: XTRA
- Founded: 1890
- Industry: Multi-line Insurance
- Sector: Insurance
- Implied Market Cap: €65.218b
- Shares outstanding: 403.08m
- Website: https://www.allianz.com
Number of Employees
- Allianz SE
- KOeniginstrasse 28
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ALIZ.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Shares||US||USD||Jan 1992|
|0M6S||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||EUR||Jan 1992|
|ALV||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Jan 1992|
|ALV||SWX (SIX Swiss Exchange)||Yes||Ordinary Shares||CH||EUR||Jan 1992|
|ALV||BIT (Borsa Italiana)||Yes||Ordinary Shares||IT||EUR||Jan 1992|
|ALV||XTRA (XETRA Trading Platform)||Yes||Ordinary Shares||DE||EUR||Jan 1992|
|ALVD||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||EUR||Jan 1992|
|ALV N||BMV (Bolsa Mexicana de Valores)||Yes||Ordinary Shares||MX||MXN||Jan 1992|
|ALV||WBAG (Wiener Boerse AG)||Yes||Ordinary Shares||AT||EUR||Jan 1992|
|ALLIANZ||BUSE (Budapest Stock Exchange)||Yes||Ordinary Shares||HU||HUF||Jan 1992|
|ALV||BUL (Bulgaria Stock Exchange)||Yes||Ordinary Shares||BG||EUR||Jan 1992|
|ALVE||BST (Boerse-Stuttgart)||UNSPON ADS EACH REP 1/10 ORD SHARES||DE||EUR||Jan 2020|
|ALIZ.Y||OTCPK (Pink Sheets LLC)||UNSPON ADS EACH REP 1/10 ORD SHARES||US||USD||Jan 2020|
|ALVE||DB (Deutsche Boerse AG)||UNSPON ADS EACH REP 1/10 ORD SHARES||DE||EUR||Jan 2020|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/30 00:00|
|End of Day Share Price||2022/09/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.