Allianz SE
Allianz SE Fundamental Analysis
Allianz SE (ALV.DE) shows moderate financial fundamentals with a PE ratio of 12.86, profit margin of 7.83%, and ROE of 17.77%. The company generates $139.0B in annual revenue with moderate year-over-year growth of 9.93%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 64.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze ALV.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakALV.DE struggles to generate sufficient returns from assets.
Valuation Score
ModerateALV.DE shows balanced valuation metrics.
Growth Score
ExcellentALV.DE delivers strong and consistent growth momentum.
Financial Health Score
ModerateALV.DE shows balanced financial health with some risks.
Profitability Score
ModerateALV.DE maintains healthy but balanced margins.
Key Financial Metrics
Is ALV.DE Expensive or Cheap?
P/E Ratio
ALV.DE trades at 12.86 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ALV.DE's PEG of 6.34 indicates potential overvaluation.
Price to Book
The market values Allianz SE at 2.21 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.66 times EBITDA. This is generally considered low.
How Well Does ALV.DE Make Money?
Net Profit Margin
For every $100 in sales, Allianz SE keeps $7.83 as profit after all expenses.
Operating Margin
Core operations generate 11.23 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.77 in profit for every $100 of shareholder equity.
ROA
Allianz SE generates $1.05 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Allianz SE generates strong operating cash flow of $37.12B, reflecting robust business health.
Free Cash Flow
Allianz SE generates strong free cash flow of $35.16B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $92.48 in free cash annually.
FCF Yield
ALV.DE converts 24.90% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.86
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
6.34
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.21
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.02
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.46
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.04
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.18
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How ALV.DE Stacks Against Its Sector Peers
| Metric | ALV.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.86 | 18.66 | Better (Cheaper) |
| ROE | 17.77% | 806.00% | Weak |
| Net Margin | 7.83% | -451.00% (disorted) | Weak |
| Debt/Equity | 0.46 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.04 | 662.02 | Weak Liquidity |
| ROA | 1.05% | -24409.00% (disorted) | Weak |
ALV.DE outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Allianz SE's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
30.67%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
35.24%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-5.67%
Industry Style: Value, Dividend, Cyclical
Declining