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Allianz SE Unsponsored ADR (ALIZY)
OTHER OTC:ALIZY
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Allianz SE Unsponsored ADR
(OTC:ALIZY)
73Outperform
Allianz SE Unsponsored ADR (ALIZY) vs. S&P 500 (SPY)
Market Cap
$149.07B
Dividend Yield2.66%
Average Volume (3M)182.21K
Price to Earnings (P/E)14.3
Beta (1Y)0.50
Revenue Growth14.28%
EPS Growth18.08%
CountryUS
Employees156,626
SectorFinancial
Sector Strength85
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)2.74
Shares Outstanding3,861,666,700
10 Day Avg. Volume237,406
30 Day Avg. Volume182,207
Financial Highlights & Ratios
PEG Ratio0.80
Price to Book (P/B)N/A
Price to Sales (P/S)0.79
Price to Cash Flow (P/CF)N/A
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$40.66Price Target Upside13.73% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
Allianz SE Unsponsored ADR Business Overview & Revenue Model
Company DescriptionAllianz SE Unsponsored ADR (ALIZY) is a representation of shares in Allianz SE, a global financial services company headquartered in Munich, Germany. Allianz SE is one of the world's largest insurance and asset management companies, offering a wide range of insurance products and services including property and casualty insurance, life and health insurance, and travel insurance. Additionally, the company manages a substantial portfolio of assets, providing investment management services to a diverse client base.
How the Company Makes MoneyAllianz SE generates revenue through multiple streams primarily derived from its insurance and asset management operations. The insurance segment, encompassing property and casualty, life, and health insurance, earns money through premiums collected from policyholders. The company also profits from underwriting activities and investment income generated from the reserves held to pay future claims. In asset management, Allianz earns fees based on the assets under management (AUM) and performance-related fees. Significant partnerships, such as those with banks and financial institutions, enhance distribution channels and contribute to overall earnings. Additionally, strategic investments and acquisitions help expand its market presence and diversify its revenue base.
Allianz SE Unsponsored ADR Financial Statement Overview
Summary
Allianz SE displays a strong financial profile with consistent revenue growth and solid profitability margins. The balance sheet is healthy with moderate leverage, although there's a higher reliance on liabilities. Cash flow is robust with significant free cash flow growth, indicating strong operational efficiency.Income Statement
Allianz SE shows strong revenue growth with a 9.03% increase from 2022 to 2023. The company maintains a healthy EBIT margin of 12.60% and a net profit margin of 6.85% for 2023, indicating stable profitability. The EBITDA margin also remains robust at 11.03%. However, the gross profit margin is at 100%, suggesting revenue and gross profit are reported without deductions, typical in the insurance industry. Overall, Allianz demonstrates solid financial performance with consistent growth and profitability.85
Very Positive
Balance Sheet
The balance sheet of Allianz SE shows a moderate debt-to-equity ratio of 0.35 for 2023, indicating a manageable level of leverage. The return on equity is strong at 14.61%, reflecting efficient use of shareholders' funds. However, the equity ratio is somewhat low at 5.95%, suggesting a higher reliance on liabilities. Despite this, the company maintains a stable financial position with substantial cash reserves.78
Positive
Cash Flow
Allianz SE's free cash flow increased significantly from 2022 to 2023, indicating improved cash generation capacity. The operating cash flow to net income ratio is high at 2.86, showing strong operational efficiency. The free cash flow to net income ratio is also robust at 2.61, further affirming the company's ability to convert earnings into cash. However, fluctuations in past cash flow figures suggest potential volatility in cash generation.72
Positive
| Breakdown | |||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 120.58B | 124.64B | 114.30B | 118.91B | 112.24B | 113.00B | Gross Profit |
| 132.35B | 124.64B | 114.30B | 118.91B | 112.24B | 113.00B | EBIT |
| -1.72B | 15.70B | 10.64B | 3.47B | 13.40B | 9.02B | EBITDA |
| 6.34B | 13.75B | 13.22B | 6.00B | 15.64B | 11.09B | Net Income Common Stockholders |
| 9.16B | 8.54B | 6.42B | 6.61B | 6.81B | 7.91B |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 584.26B | 584.26B | 521.17B | 648.15B | 640.20B | 611.65B | Total Assets |
| 958.46B | 983.17B | 1.02T | 1.14T | 1.06T | 1.01T | Total Debt |
| 20.23B | 20.23B | 35.79B | 35.57B | 35.52B | 34.13B | Net Debt |
| -8.98B | -21.57B | 15.96B | 14.72B | 18.93B | 15.66B | Total Liabilities |
| 899.64B | 919.59B | 966.26B | 1.06T | 975.42B | 933.82B | Stockholders Equity |
| 53.71B | 58.48B | 51.47B | 79.95B | 80.82B | 74.00B |
| Cash Flow | Free Cash Flow | ||||
| 144.00M | 22.32B | 346.00M | 23.71B | 30.60B | 35.13B | Operating Cash Flow |
| 144.00M | 24.46B | 1.96B | 25.12B | 32.05B | 36.45B | Investing Cash Flow |
| 0.00 | -12.01B | 2.96B | -19.78B | -28.87B | -27.70B | Financing Cash Flow |
| 0.00 | -5.72B | -6.63B | -3.79B | -1.39B | -4.85B |
Allianz SE Unsponsored ADR Technical Analysis
Negative
35.75
Price Trends
35.56
Positive
33.21
Positive
31.71
Positive
Market Momentum
0.94
Positive
65.37
Neutral
56.55
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ALIZY, the sentiment is Negative. The current price of 35.75 is below the 20-day moving average (MA) of 38.12, above the 50-day MA of 35.56, and above the 200-day MA of 31.71, indicating a neutral trend. The MACD of 0.94 indicates Positive momentum. The RSI at 65.37 is Neutral, neither overbought nor oversold. The STOCH value of 56.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ALIZY.
Allianz SE Unsponsored ADR Peers Comparison
Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $35.23B | 11.93 | 19.58% | 1.60% | 8.19% | 29.77% | |
73 Outperform | $149.07B | 14.26 | 18.15% | 2.66% | 14.28% | 18.08% | |
70 Outperform | $51.15B | 17.02 | 7.10% | 1.86% | -28.56% | 1.14% | |
67 Neutral | $5.11B | 1.63 | 43.24% | 5.40% | 47.95% | ― | |
65 Neutral | $51.71B | 12.77 | 15.41% | 3.16% | 6.10% | 225.22% | |
63 Neutral | $14.39B | 9.81 | 8.95% | 4.37% | 16.38% | -11.64% | |
61 Neutral | $37.10B | 13.97 | 9.79% | 5.01% | 34.25% | 11.22% |
* Financial Sector Average
Performance Comparison
ALIZY
Allianz SE Unsponsored ADR
35.75
7.72
27.54%
AIG
American International Group
78.95
2.74
3.60%
HIG
Hartford Financial
113.57
12.57
12.45%
LNC
Lincoln National
29.97
0.82
2.81%
MET
Metlife
69.07
-2.59
-3.61%
PRU
Prudential Financial
96.53
-13.93
-12.61%
Allianz SE Unsponsored ADR Earnings Call Summary
Earnings Call Date: Feb 28, 2025 | % Change Since: 3.00% | Next Earnings Date: May 15, 2025
Earnings Call Sentiment Positive
Allianz delivered a strong performance in 2024 with record revenues and profit growth, supported by robust results across all segments and significant shareholder returns. However, challenges in the Property-Casualty segment, lower performance fees in Asset Management, and pressures in the AGCS segment were notable concerns.Highlights
Record Revenue and Profit Growth
Allianz reported EUR 180 billion in revenues, up 11%, and operating profit increased by 9%. Core net income grew by 10%, and dividend per share rose by 12%.
Strong Performance Across All Segments
Life and health segments showed a high demand with a new business margin at 5.5% and value of new business up 18%. Asset Management saw third-party net flows at EUR 85 billion for the year, four times the level of 2023.
Significant Shareholder Returns
Announced a EUR 2 billion share buyback due to strong earnings and cash generation.
Improved Solvency Ratio
The solvency ratio increased by three percentage points, with reduced sensitivities, demonstrating improved resilience.
Operational Efficiency
Continued improvements in cost-income ratio and consistent expense ratio improvements since 2018.
Lowlights
Challenges in Property-Casualty Segment
The combined ratio was higher at 94.7% due to a low level of runoff, impacting profits despite a strong investment result.
Performance Fees Decline in Asset Management
Performance fees in 2024 were lower than in previous years, impacting the revenue growth despite strong net flows.
Pressure in AGCS Segment
AGCS operating profits were down due to runoff and higher levels of NatCat, requiring selective underwriting.
Company Guidance
During the Allianz Conference Call on February 28, 2025, Oliver Bate, the CEO, emphasized the company's strong financial performance in 2024, reporting EUR 180 billion in revenues, an 11% increase, a 9% rise in operating profit, and a 10% growth in core net income. The company also achieved a 12% increase in dividend per share and a core return on equity of nearly 17%. Allianz announced a EUR 2 billion share buyback for 2025, following a EUR 1.5 billion buyback in 2024. The Life and Health segment saw an 18% increase in the value of new business, and Asset Management recorded EUR 85 billion in third-party net flows. Allianz maintains a robust balance between resilience and returns, with a focus on customer retention and productivity improvements. The guidance for 2025 includes an EPS growth expectation of 7% to 9%, with capital generation and ROE targets remaining strong.Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.