Allianz SE Unsponsored ADR (ALIZY)
OTHER OTC:ALIZY
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Allianz SE Unsponsored ADR
(OTC:ALIZY)
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Rating:76Outperform
Price Target:
$50.00
▲(8.93% Upside)
Action:Upgraded
Date:05/20/26
The score is driven primarily by solid financial performance (improving profitability/ROE and strong recent cash generation) and supportive valuation (moderate P/E with a high dividend yield). Technicals add a modest tailwind (price above key moving averages, positive MACD), and the latest earnings call reinforces strength via reaffirmed guidance and strong segment execution, partially offset by execution and macro/nat-cat related risks.
Positive Factors
Cash generation
Consistent high operating and free cash flow over the last three years provides durable internal funding for claims, reinvestment, dividends and buybacks. Strong absolute cash generation supports solvency and capital returns even if underwriting cycles worsen, enhancing financial resilience.
Negative Factors
Natural catastrophe exposure
Material nat‑cat losses demonstrate persistent climate-related underwriting risk that can produce sudden, sizable claims and pressure combined ratios. Over time, frequency/severity of events can force higher reinsurance costs, tighter underwriting, or require price increases that may slow growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Consistent high operating and free cash flow over the last three years provides durable internal funding for claims, reinvestment, dividends and buybacks. Strong absolute cash generation supports solvency and capital returns even if underwriting cycles worsen, enhancing financial resilience.
Read all positive factors
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$169.89B
Dividend Yield3.69%
Average Volume (3M)244.62K
Price to Earnings (P/E)9.4
Beta (1Y)0.47
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees156,626
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)2.61
Shares Outstanding3,804,189,000
10 Day Avg. Volume239,587
30 Day Avg. Volume244,616
Financial Highlights & Ratios
PEG Ratio2.39
Price to Book (P/B)2.35
Price to Sales (P/S)1.07
P/FCF Ratio4.87
Enterprise Value/Market Cap0.70
Enterprise Value/Revenue0.91
Enterprise Value/Gross Profit1.10
Enterprise Value/Ebitda7.65
Forecast
1Y Price Target
$58.00Price Target Upside26.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.59
Revenue Forecast (FY)$221.52B
Allianz SE Unsponsored ADR Business Overview & Revenue Model
Company Description
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 mot...
How the Company Makes Money
Allianz makes money primarily through (1) insurance underwriting and (2) asset management fees, with additional earnings from investment income and related financial services.
1) Property-Casualty (P&C) insurance revenue and profits
- Premiums: A...
Allianz SE Unsponsored ADR Earnings Call Summary
Earnings Call Date:May 13, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 07, 2026
Earnings Call Sentiment Positive
The call conveyed a solid operational quarter with several clear strengths: record asset management inflows and profitability, strong P&C growth and underwriting performance, resilient Life & Health after adjusting for scope/Fx effects, and a robust capital position (Solvency II 221%, ROE 18%). Management reaffirmed the full‑year guidance and emphasized productivity and disciplined execution, including significant AI and training investments. Notable challenges include the accounting treatment and planned neutralization of the Bajaj disposal gain, FX and disposal impacts on Life, localized nat‑cat and inflationary pressures (France floods, weather‑related claims), and some execution/operational uncertainties around AI‑driven workforce changes and the cyber partnership. On balance, the positive operational and capital metrics substantially outweigh the reported headwinds.Positive Updates
Full-Year Outlook Reaffirmed
Management reaffirmed the 2026 operating profit outlook of EUR 17.4 billion ± EUR 1 billion despite elevated market volatility and macro uncertainty.
Negative Updates
Accounting Gain from Bajaj Disposal and Planned Neutralization
Net income included a EUR 1.1 billion net gain from the Bajaj disposal; management will neutralize this accounting gain over 2026 through strategic/productivity actions and reinvestments. Only a EUR 150 million net offset was recorded in Q1, with additional offsets expected later in the year.
Read all updates
Q1-2026 Updates
Positive
Negative
Full-Year Outlook Reaffirmed
Management reaffirmed the 2026 operating profit outlook of EUR 17.4 billion ± EUR 1 billion despite elevated market volatility and macro uncertainty.
Read all positive updates
Company Guidance
Allianz reaffirmed its 2026 operating profit guidance of EUR 17.4 billion ± EUR 1.0 billion after a strong Q1: group operating profit momentum was nearly +7% YoY, P&C delivered double‑digit underwriting strength with operating profit up 11% to EUR 2.4bn (internal growth +7% split ~50/50 price/volume and combined ratio 91%), Asset Management reported record Q1 net inflows of EUR 45bn (annualized organic growth 9%), revenues of EUR 2.2bn (FX‑adjusted +12%) and operating profit >EUR 850m (FX‑adjusted +15%), and Life showed resilient underlying results (underlying core net income +7% YoY, ROE 18%, core EPS +9%, normalized Life CSM growth ~1.7%). The group ended the quarter with a Solvency II ratio of 221% (+2pp vs year‑end), recorded a EUR 1.1bn net gain on the Bajaj disposal (only EUR 150m net offset booked in Q1; remainder to be neutralized through 2026 and reinvested), and reiterated its Protection & Health target to grow operating profit at a ~7% CAGR to EUR 2.2bn by 2027.Allianz SE Unsponsored ADR Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 131.33B | 137.81B | 136.92B | 119.67B | 79.86B | 118.91B |
| Gross Profit | 108.40B | 112.90B | 110.39B | 95.40B | 54.68B | 98.12B |
| EBITDA | 15.57B | 16.49B | 16.93B | 14.48B | 13.27B | 13.20B |
| Net Income | 10.21B | 10.78B | 9.93B | 8.54B | 6.42B | 6.61B |
Balance Sheet | ||||||
| Total Assets | 992.88B | 1.02T | 1.04T | 983.17B | 1.02T | 1.14T |
| Cash, Cash Equivalents and Short-Term Investments | 590.95B | 600.10B | 599.55B | 584.26B | 521.17B | 648.15B |
| Total Debt | 28.19B | 35.27B | 23.12B | 20.23B | 35.79B | 35.57B |
| Total Liabilities | 932.37B | 957.93B | 980.50B | 919.59B | 966.26B | 1.06T |
| Stockholders Equity | 57.20B | 62.72B | 60.29B | 58.48B | 54.41B | 79.95B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 30.27B | 29.99B | 22.32B | 346.00M | 23.71B |
| Operating Cash Flow | 0.00 | 31.90B | 31.90B | 24.46B | 1.96B | 25.12B |
| Investing Cash Flow | 0.00 | -25.79B | -25.68B | -12.01B | 2.96B | -19.78B |
| Financing Cash Flow | 0.00 | -6.51B | -4.36B | -5.72B | -4.37B | -3.79B |
Allianz SE Unsponsored ADR Technical Analysis
Positive
45.90
Price Trends
42.62
Positive
42.63
Positive
41.89
Positive
Market Momentum
0.44
Negative
55.30
Neutral
78.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ALIZY, the sentiment is Positive. The current price of 45.9 is above the 20-day moving average (MA) of 44.02, above the 50-day MA of 42.62, and above the 200-day MA of 41.89, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 55.30 is Neutral, neither overbought nor oversold. The STOCH value of 78.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $33.65B | 8.24 | 20.48% | ― | 8.66% | 32.96% | |
77 Outperform | $37.29B | 10.99 | 22.01% | 1.55% | 6.90% | 41.67% | |
76 Outperform | $169.89B | 9.36 | 19.58% | 3.69% | ― | ― | |
72 Outperform | $22.43B | 12.02 | 13.25% | 3.44% | -1.98% | 48.93% | |
70 Outperform | $40.85B | 13.27 | 7.70% | 2.02% | -2.31% | 26.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $12.99B | 6.38 | 11.63% | 5.77% | 33.06% | 50.47% |
* Financial Sector Average
ALIZY
Allianz SE Unsponsored ADR
44.57
6.29
16.43%
AEG
Aegon
8.61
2.01
30.43%
AIG
American International Group
77.05
-2.78
-3.48%
ACGL
Arch Capital Group
96.30
4.23
4.59%
HIG
Hartford Insurance
136.02
9.22
7.27%
PFG
Principal Financial
103.85
29.71
40.07%
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.