Allianz SE Unsponsored ADR (ALIZY)
OTHER OTC:ALIZY
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Allianz SE Unsponsored ADR
(OTC:ALIZY)
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Rating:68Neutral
Price Target:
$50.00
▲(8.93% Upside)
Action:DowngradedDate:03/21/26
Overall score reflects solid underlying financial performance and a constructive earnings outlook with strong capital returns, partially offset by weak technical trend/momentum. Valuation is reasonable and supported by a ~4.26% dividend yield.
Positive Factors
Very strong Solvency II capital position
A 218% Solvency II ratio provides a durable regulatory capital buffer that supports continued underwriting capacity, dividend increases and buybacks. It reduces the likelihood of emergency capital raises and gives management flexibility to pursue long‑term growth and remediation through cycles.
Negative Factors
Natural‑catastrophe exposure and earnings volatility
Material nat‑cat events can produce sudden, large underwriting losses that compress earnings and capital ratios. Persistent exposure requires pricing, reinsurance and reserving discipline; variability increases earnings volatility and complicates multi‑year planning for capital allocation and dividends.
Read all positive and negative factors
Positive Factors
Negative Factors
Very strong Solvency II capital position
A 218% Solvency II ratio provides a durable regulatory capital buffer that supports continued underwriting capacity, dividend increases and buybacks. It reduces the likelihood of emergency capital raises and gives management flexibility to pursue long‑term growth and remediation through cycles.
Read all positive factors
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$172.73B
Dividend Yield3.69%
Average Volume (3M)293.41K
Price to Earnings (P/E)13.7
Beta (1Y)0.47
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees156,626
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.85
Shares Outstanding3,804,189,000
10 Day Avg. Volume303,840
30 Day Avg. Volume293,408
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 Cap0.84
Enterprise Value/Revenue1.11
Enterprise Value/Gross Profit1.34
Enterprise Value/Ebitda9.32
Forecast
1Y Price Target
$58.00Price Target Upside26.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.55
Revenue Forecast (FY)$222.83B
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:Feb 26, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 19, 2026
Earnings Call Sentiment Positive
The call highlights strong, broad‑based operational delivery across P&C, Life & Health and Asset Management with record revenue, operating profit, robust capital generation (Solvency II 218%), record flows and improved productivity. Management acknowledges headwinds — chiefly FX sensitivity, claims inflation, reserve conservatism and exposure to nat‑cat and private credit scrutiny — but presents clear mitigation actions (prudent reserving, strong liquidity, buyback/dividend, tech investment, focus on retention and resilience). Overall positives substantially outweigh the challenges.Positive Updates
Record Group Revenue and Operating Profit
Group revenue reached EUR 187 billion (record) with internal volume growth of 8%. Operating profit rose more than 8% to EUR 17.4 billion (highest level ever), above the top end of the original outlook.
Negative Updates
Foreign Exchange Headwinds and USD Sensitivity
FX reduced operating profit by just under EUR 400 million in 2025. Management notes that a further U.S. dollar devaluation could reduce operating profit by about EUR 1 billion (10% USD move sensitivity cited at ~EUR 600 million in 2026 vs EUR 500m prior year).
Read all updates
Q4-2025 Updates
Positive
Negative
Record Group Revenue and Operating Profit
Group revenue reached EUR 187 billion (record) with internal volume growth of 8%. Operating profit rose more than 8% to EUR 17.4 billion (highest level ever), above the top end of the original outlook.
Read all positive updates
Company Guidance
Allianz kept its traditional outlook framework and anchored 2026 guidance to last year’s operating profit of €17.4bn ± €1bn (midpoint implying roughly +9% versus the prior outlook), while reiterating Capital Markets Day targets and signalling stronger capital generation and resilience: Solvency II at 218% (YE‑2025, +~10pp y/y) with post‑stress ~197% and an expected positive Solvency II revision effect (high end of the 5–10% range from 1‑Jan‑2027); operating capital generation target 24–25% by 2027 (OCG was 25% in 2025, underlying ~22%); remittances €8.6bn (remittance ratio 89% vs 85% target); €2.5bn share buyback announced and a double‑digit dividend per share increase; 2025 highlights feeding the outlook included revenues €187bn (+8% internal volume growth), operating profit €17.4bn (+8%, ~+11% ex‑FX), core EPS +13% (vs CMD target 7–9%), ROE/core equity return ~18%/18.1%, P&C OP €9bn (+14%) with combined ratio ~92% and retail growth 9%, Life & Health OP €5.6bn with PVNBP ~€85bn, Asset Management net flows ~€139bn (organic growth 7%) and cost/income ~60–61% (AGI 60.7%), plus expense‑ratio progress in P&C (from 28.6% in 2018 to 23.9%) — all framed conservatively to allow for FX, nat‑cat and market volatility.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
42.92
Positive
43.63
Positive
42.53
Positive
Market Momentum
0.97
Negative
72.17
Negative
94.08
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 45.9 is above the 20-day moving average (MA) of 42.78, above the 50-day MA of 42.92, and above the 200-day MA of 42.53, indicating a bullish trend. The MACD of 0.97 indicates Negative momentum. The RSI at 72.17 is Negative, neither overbought nor oversold. The STOCH value of 94.08 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $37.23B | 10.99 | 22.01% | 1.55% | 6.90% | 41.67% | |
73 Outperform | $33.43B | 8.24 | 21.07% | ― | 8.66% | 32.96% | |
73 Outperform | $21.84B | 12.02 | 13.35% | 3.44% | -1.98% | 48.93% | |
71 Outperform | $42.26B | ― | 7.50% | 2.02% | -2.31% | 26.43% | |
68 Neutral | $172.73B | 13.68 | 17.77% | 3.69% | ― | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $12.30B | 10.92 | 11.63% | 5.77% | 33.06% | 50.47% |
* Financial Sector Average
ALIZY
Allianz SE Unsponsored ADR
45.56
4.34
10.53%
AEG
Aegon
8.23
1.91
30.30%
AIG
American International Group
78.77
-2.45
-3.02%
ACGL
Arch Capital Group
93.82
1.24
1.34%
HIG
Hartford Insurance
135.81
12.17
9.84%
PFG
Principal Financial
101.09
27.38
37.15%
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.