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Allianz SE Unsponsored ADR (ALIZY)
:ALIZY
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Allianz SE Unsponsored ADR
(OTC:ALIZY)
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Rating:76Outperform
Price Target:
$46.00
▲(12.83% Upside)
Allianz SE's overall stock score is driven by strong financial performance and positive earnings call insights, highlighting robust growth and strategic initiatives. While technical indicators suggest caution, the stock's valuation remains attractive with a solid dividend yield.
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$158.18B
Dividend Yield4.12%
Average Volume (3M)273.90K
Price to Earnings (P/E)15.1
Beta (1Y)0.36
Revenue Growth23.90%
EPS Growth11.42%
CountryUS
Employees156,626
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.86
Shares Outstanding3,861,666,700
10 Day Avg. Volume185,496
30 Day Avg. Volume273,900
Financial Highlights & Ratios
PEG Ratio0.61
Price to Book (P/B)1.90
Price to Sales (P/S)1.07
P/FCF Ratio3.82
Enterprise Value/Market Cap1.23
Enterprise Value/Revenue1.66
Enterprise Value/Gross Profit1.90
Enterprise Value/Ebitda12.51
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Allianz SE Unsponsored ADR Business Overview & Revenue Model
Company DescriptionAllianz SE is a leading global insurance and financial services company based in Germany. It operates in various sectors, including property and casualty insurance, life and health insurance, asset management, and corporate insurance solutions. Allianz offers a wide range of products and services designed to meet the needs of both individual and corporate clients, including insurance policies, investment funds, and retirement solutions. With a presence in numerous countries, Allianz serves millions of customers and is recognized for its strong financial stability and commitment to sustainability.
How the Company Makes MoneyAllianz SE generates revenue primarily through its insurance premiums and investment income. The company earns money by underwriting various insurance products, including property and casualty insurance, life insurance, and health insurance, where it collects premiums from policyholders. In addition to premiums, Allianz invests the collected funds in a diversified portfolio of assets, generating investment income. The company also derives revenue from its asset management division, which offers investment solutions for both institutional and retail clients, charging management and performance fees. Strategic partnerships with other financial institutions and a focus on expanding its digital offerings further enhance Allianz's revenue streams.
Allianz SE Unsponsored ADR Earnings Call Summary
Earnings Call Date:Aug 07, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Nov 14, 2025
Earnings Call Sentiment Positive
The earnings call conveyed a generally positive outlook, with strong growth in operating profit and internal growth in the P&C segment. Notable strategic partnerships and continued productivity improvements were highlighted. However, FX volatility and rate softening in AGC&S were concerns.Q2-2025 Updates
Positive Updates
Strong Internal Growth in P&C
The Property & Casualty segment recorded 8% internal growth, driven by 5% pricing and 3% volume increases. Notable contributors include Allianz Partners, AGC&S, and the German market.
Operating Profit Growth
Operating profit for the first half of 2025 reached EUR 8.6 billion, up 9% year-on-year, positioning Allianz well for its EUR 16 billion full-year target.
Expense Ratio Improvement
Allianz achieved a 24% expense ratio for the first half of 2025, a reduction from 28.6% in 2018, reflecting ongoing productivity improvements.
New Business Ventures
Allianz has expanded its joint venture with Sanlam in Africa to 49% and entered a strategic partnership in India with Reliance Group, aiming to grow in commercial lines, P&C, and health insurance.
Asset Management Inflows
PIMCO saw EUR 42 billion in net inflows, with a strong focus on active ETFs, credit, and private alternative strategies.
Negative Updates
FX Volatility Impact
FX impacts were significant, with a EUR 160 million headwind in operating profit for the first half of 2025, affecting the P&C investment results and non-operating income.
AGC&S Rate Softening
AGC&S experienced rate decreases, with a Q2 stand-alone decrease of about 4.5%, indicating a softening market.
Slightly Lower Asset Management Growth
Asset Management AUM growth was annualized at 4%, slightly lower due to market volatility and FX effects.
Company Guidance
In the second quarter of 2025, Allianz showcased robust financial performance, reporting a total business volume growth of 8% at constant FX, with operating profit reaching €8.6 billion, up 9% from the previous year. The Property & Casualty segment achieved an internal growth rate of 8%, with notable contributions from Allianz Partners, AGC&S, and the German market. The combined ratio improved to 91.5%, driven by a lower expense ratio of 24% and an 8% increase in underlying volume growth. In the Life segment, new business value grew by 9% with a strong new business margin of 9.6%. Asset Management saw net inflows of €42 billion, leading to an annualized organic growth rate of 4%. The group maintained a strong capital position, with a Solvency II ratio of 209% and an impressive operating capital generation of 13 percentage points year-to-date. Allianz remains focused on driving smart growth, reinforcing productivity, and strengthening resilience as part of its strategic initiatives.Allianz SE Unsponsored ADR Financial Statement Overview
Summary
Allianz SE demonstrates strong profitability with consistent margins and efficient operations. The balance sheet is stable with low leverage, though recent declines in equity require attention. Cash flow generation is robust, supporting strategic initiatives.Income Statement
Allianz SE demonstrates strong profitability with consistent gross profit margins and net profit margins over the years. The company has maintained a stable EBIT and EBITDA margin, reflecting efficient operations. However, recent revenue growth has been slightly volatile, with a minor decline in the latest year. Overall, the income statement indicates robust financial health with room for growth.Balance Sheet
The balance sheet of Allianz SE showcases a healthy equity position with a favorable debt-to-equity ratio, indicating low leverage risk. The company maintains a strong equity ratio, underlining financial stability. However, the decline in stockholders' equity over recent years could be a point of concern. Nonetheless, the balance sheet remains solid overall.Cash Flow
Allianz SE's cash flow statement highlights strong operating cash flow generation, which comfortably covers net income, indicating robust cash conversion. The free cash flow has shown positive growth, supporting strategic investments and shareholder returns. However, fluctuations in operating cash flows in recent years suggest a need for monitoring cash flow stability.| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 117.01B | 107.34B | 99.42B | 114.30B | 118.91B | 117.53B |
| Gross Profit | 102.49B | 102.01B | 99.42B | 95.81B | 103.12B | 117.53B |
| EBITDA | 15.57B | 15.06B | 14.48B | 11.41B | 13.20B | 12.76B |
| Net Income | 10.21B | 9.93B | 8.54B | 6.42B | 6.61B | 6.81B |
Balance Sheet | ||||||
| Total Assets | 992.88B | 1.04T | 983.17B | 1.02T | 1.14T | 1.06T |
| Cash, Cash Equivalents and Short-Term Investments | 590.95B | 599.55B | 584.26B | 521.17B | 648.15B | 640.20B |
| Total Debt | 28.19B | 23.12B | 20.23B | 35.79B | 35.57B | 35.52B |
| Total Liabilities | 932.37B | 980.50B | 919.59B | 966.26B | 1.06T | 975.42B |
| Stockholders Equity | 57.20B | 60.29B | 58.48B | 54.41B | 79.95B | 80.82B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 29.99B | 22.32B | 346.00M | 23.71B | 30.60B |
| Operating Cash Flow | 0.00 | 31.90B | 24.46B | 1.96B | 25.12B | 32.05B |
| Investing Cash Flow | 0.00 | -25.68B | -12.01B | 2.96B | -19.78B | -28.87B |
| Financing Cash Flow | 0.00 | -4.36B | -5.72B | -4.37B | -3.79B | -1.39B |
Allianz SE Unsponsored ADR Technical Analysis
Negative
40.77
Price Trends
41.80
Negative
41.16
Negative
38.71
Positive
Market Momentum
-0.21
Positive
43.25
Neutral
44.55
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 40.77 is below the 20-day moving average (MA) of 41.89, below the 50-day MA of 41.80, and above the 200-day MA of 38.71, indicating a neutral trend. The MACD of -0.21 indicates Positive momentum. The RSI at 43.25 is Neutral, neither overbought nor oversold. The STOCH value of 44.55 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | $158.18B | 15.14 | ― | 4.12% | 23.90% | 11.42% | |
| ― | $34.10B | 10.02 | 20.07% | 1.66% | 7.11% | 22.52% | |
| ― | $32.34B | 8.11 | 17.81% | ― | 16.68% | -28.54% | |
| ― | $18.18B | 16.60 | 13.74% | 3.67% | -3.34% | -3.32% | |
| ― | $11.93B | 8.30 | 14.42% | 5.83% | -6.19% | ― | |
| ― | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $43.32B | 14.45 | 7.61% | 2.17% | -33.87% | -5.72% |
* Financial Sector Average
ALIZY
Allianz SE Unsponsored ADR
40.99
10.46
34.26%
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PFG
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82.74
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4.21%
Allianz SE Unsponsored ADR Corporate Events
Allianz SE Earnings Call Highlights Robust Growth Amid Challenges
Aug 13, 2025
Allianz SE Demonstrates Strong Financial Performance Amidst Challenges
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.