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Allianz SE Unsponsored ADR (ALIZY)
OTHER OTC:ALIZY
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Allianz SE Unsponsored ADR
(OTC:ALIZY)
Rating:73Outperform
Price Target:―
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$155.92B
Dividend Yield2.9%
Average Volume (3M)194.10K
Price to Earnings (P/E)14.7
Beta (1Y)0.39
Revenue Growth14.28%
EPS Growth18.08%
CountryUS
Employees156,626
SectorFinancial
Sector Strength81
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.74
Shares Outstanding3,861,666,700
10 Day Avg. Volume118,655
30 Day Avg. Volume194,096
Financial Highlights & Ratios
PEG Ratio-0.41
Price to Book (P/B)0.11
Price to Sales (P/S)0.00
P/FCF Ratio0.36
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$47.91Price Target Upside19.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
Allianz SE Unsponsored ADR Business Overview & Revenue Model
Company DescriptionAllianz 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. The company's Asset Management segment offers institutional and retail asset management products and services to third-party investors comprising equity and fixed income funds, and multi-assets; and alternative investment products comprising infrastructure debt/equity, real assets, liquid alternatives, and solutions. Its Corporate and Other segment provides banking services for retail clients, as well as digital investment services. Allianz SE was founded in 1890 and is headquartered in Munich, Germany.
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 Earnings Call Summary
Earnings Call Date:May 15, 2025
(Q1-2025)
| % Change Since: 2.35%|
Next Earnings Date:Aug 07, 2025
Earnings Call Sentiment Positive
Allianz's Q1 2025 earnings call highlighted strong overall growth and record-setting performance across multiple segments, with particular strengths in business volume, operating profit, and life finance segment growth. However, challenges such as tax impacts and market-specific issues in the UK and Australia were noted. Despite these lowlights, the company's robust solvency position and strategic initiatives indicate a positive outlook.Q1-2025 Updates
Positive Updates
Record Business Volume and Operating Profit
Allianz reported a total business volume of EUR 54 billion and an operating profit of EUR 4.2 billion, both at record levels for Q1 2025, with all segments contributing positively.
Strong Performance in Life Finance Segment
New business production in the Life Finance segment showed robust growth with sales volumes up 17% and new business profit growth of 14%, driven by a healthy new business margin of 5.5%.
Asset Management Net Inflows
The asset management business saw strong net inflows of EUR 29 billion, supported by both AGI and PIMCO, with overall revenues growing by 5%.
P&C Business Growth
The P&C business achieved a record level of operating profit, with 7% internal growth and a combined ratio of 91.8%, despite a higher level of natural catastrophes.
Solvency II Ratio Stability
Allianz reported a strong solvency ratio at 208%, supported by good operating capital generation and resilience against market and FX volatility.
Negative Updates
Impact of Exceptional Tax Item
Shareholder core net income was affected by an exceptional tax item related to the decision to sell stakes in Bajaj joint ventures, resulting in a lower translation of operating profit growth into net income.
Performance Fees Decline in Asset Management
PIMCO's performance fees were lower compared to the previous year, affecting revenue growth in the asset management segment.
Challenges in the UK and Australian Markets
The UK and Australian markets faced challenges with negative rate dynamics impacting commercial business growth.
Company Guidance
In the first quarter of 2025, Allianz reported a strong financial performance, with a nearly 12% increase in top-line revenue, reaching a record EUR54 billion in business volume. The operating profit also hit a record EUR4.2 billion, while shareholder core net income was EUR2.6 billion. However, the translation of operating profit growth to shareholder income was affected by higher restructuring costs and an exceptional tax item from selling stakes in the Bajaj joint ventures. The company's solvency ratio remained robust at 208%, despite a 4.4 percentage point impact from a new share buyback program. The Property & Casualty (P&C) business achieved a record operating profit, with a combined ratio of 91.8% despite a higher natural catastrophe load. The Life Finance segment saw a 17% increase in sales volumes with a new business margin of 5.5%, driving a 14% growth in new business profit. Asset Management maintained profitability with EUR29 billion in net inflows, although performance fees at PIMCO were lower compared to the previous year. Overall, Allianz is confident in achieving its 2025 financial targets, focusing on capital markets delivery, productivity, and resilience.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 |
| 6.78B | 13.75B | 11.41B | 12.86B | 12.76B | 14.18B | 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
Positive
39.99
Price Trends
38.90
Positive
36.34
Positive
33.40
Positive
Market Momentum
0.31
Positive
53.55
Neutral
82.71
Negative
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 39.99 is above the 20-day moving average (MA) of 39.62, above the 50-day MA of 38.90, and above the 200-day MA of 33.40, indicating a bullish trend. The MACD of 0.31 indicates Positive momentum. The RSI at 53.55 is Neutral, neither overbought nor oversold. The STOCH value of 82.71 is Negative, 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
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $36.74B | 12.89 | 18.49% | 1.53% | 7.55% | 14.16% | |
73 Outperform | $155.92B | 14.73 | 16.46% | 2.90% | 14.28% | 18.08% | |
73 Outperform | $17.26B | 16.50 | 9.70% | 3.78% | 5.84% | -10.64% | |
73 Outperform | $35.80B | 9.47 | 18.42% | ― | 25.29% | -23.19% | |
71 Outperform | $16.66B | 14.90 | 56.67% | 1.75% | 12.41% | 14.76% | |
68 Neutral | $50.34B | 19.51 | 6.13% | 1.83% | -44.30% | -33.09% | |
64 Neutral | $12.86B | 9.79 | 7.78% | 16985.65% | 12.28% | -7.82% |
* Financial Sector Average
Performance Comparison
ALIZY
Allianz SE Unsponsored ADR
39.99
13.29
49.78%
AIG
American International Group
85.18
12.53
17.25%
ACGL
Arch Capital Group
92.35
-2.34
-2.47%
HIG
Hartford Financial
126.87
29.09
29.75%
PFG
Principal Financial
76.84
1.92
2.56%
EQH
Equitable Holdings
54.58
14.87
37.45%
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.