Education
About Us
Working with TipRanks
Follow Us
Allianz SE Unsponsored ADR (ALIZY)
:ALIZY
Top Page
Allianz SE Unsponsored ADR
(OTC:ALIZY)
Rating:79Outperform
Price Target:
$46.00
▲(15.43% Upside)
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$0.00
Dividend Yield4.24%
Average Volume (3M)255.21K
Price to Earnings (P/E)14.5
Beta (1Y)0.00
Revenue Growth23.90%
EPS Growth11.42%
CountryUS
Employees156,626
SectorFinancial
Sector Strength65
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.74
Shares Outstanding0
10 Day Avg. Volume161,969
30 Day Avg. Volume255,211
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/Revenue0.00
Enterprise Value/Gross Profit0.00
Enterprise Value/Ebitda0.00
Forecast
1Y Price Target
$50.75Price Target Upside27.35% 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 primarily through its diverse portfolio of insurance products and asset management services. The Property-Casualty Insurance segment contributes significantly to its income, providing coverage for vehicles, homes, and businesses, while collecting premiums from policyholders. The Life/Health Insurance segment earns revenue by offering life insurance, health insurance, and annuity products, with profits derived from underwriting and investment income. The Asset Management segment, including Allianz Global Investors and PIMCO, earns fees for managing third-party assets, leveraging its expertise in investment strategies to drive performance and attract clients. Additionally, Allianz SE forms strategic partnerships and acquisitions to expand its market reach and enhance its product offerings, further bolstering its revenue streams.
Allianz SE Unsponsored ADR Earnings Call Summary
Earnings Call Date:May 15, 2025
(Q1-2025)
| % Change Since: 2.00%|
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 exhibits strong financial performance with robust profitability and efficient operations. The company maintains a stable balance sheet with manageable leverage and strong equity, though recent declines in equity require attention. Cash flow generation is strong, supporting strategic initiatives. The focus on revenue growth and equity strengthening could further improve resilience.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.82
Very Positive
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.78
Positive
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.80
Positive
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 119.53B | 124.64B | 114.30B | 118.91B | 112.24B |
| Gross Profit | 102.01B | 124.64B | 114.30B | 118.91B | 112.24B |
| EBITDA | 15.06B | 13.75B | 11.41B | 12.86B | 12.76B |
| Net Income | 9.93B | 8.54B | 6.42B | 6.61B | 6.81B |
Balance Sheet | |||||
| Total Assets | 1.04T | 983.17B | 1.02T | 1.14T | 1.06T |
| Cash, Cash Equivalents and Short-Term Investments | 599.55B | 584.26B | 521.17B | 648.15B | 640.20B |
| Total Debt | 23.12B | 20.23B | 35.79B | 35.57B | 35.52B |
| Total Liabilities | 980.50B | 919.59B | 966.26B | 1.06T | 975.42B |
| Stockholders Equity | 60.29B | 58.48B | 51.47B | 79.95B | 80.82B |
Cash Flow | |||||
| Free Cash Flow | 29.99B | 22.32B | 346.00M | 23.71B | 30.60B |
| Operating Cash Flow | 31.90B | 24.46B | 1.96B | 25.12B | 32.05B |
| Investing Cash Flow | -25.68B | -12.01B | 2.96B | -19.78B | -28.87B |
| Financing Cash Flow | -4.36B | -5.72B | -6.63B | -3.79B | -1.39B |
Allianz SE Unsponsored ADR Technical Analysis
Positive
39.85
Price Trends
39.92
Positive
39.13
Positive
35.17
Positive
Market Momentum
-0.10
Positive
52.12
Neutral
47.94
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 39.85 is below the 20-day moving average (MA) of 40.05, below the 50-day MA of 39.92, and above the 200-day MA of 35.17, indicating a bullish trend. The MACD of -0.10 indicates Positive momentum. The RSI at 52.12 is Neutral, neither overbought nor oversold. The STOCH value of 47.94 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
Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $0.00 | 11.44 | 19.55% | 1.59% | 7.67% | 15.99% | |
79 Outperform | $0.00 | 14.50 | 16.46% | 4.24% | 23.90% | 11.42% | |
76 Outperform | $32.98B | 9.09 | 17.09% | ― | 23.79% | -32.09% | |
72 Outperform | $16.83B | 15.21 | 10.16% | 3.89% | -3.34% | -3.32% | |
72 Outperform | $15.11B | 13.62 | 56.67% | 1.98% | 12.41% | 14.76% | |
67 Neutral | $17.01B | 11.59 | 9.50% | 3.95% | 10.65% | 1.33% | |
56 Neutral | $44.38B | 17.20 | 6.13% | 2.14% | -44.30% | -33.09% |
* Financial Sector Average
Performance Comparison
ALIZY
Allianz SE Unsponsored ADR
40.17
14.18
54.56%
AIG
American International Group
78.44
8.69
12.46%
ACGL
Arch Capital Group
88.66
-3.23
-3.52%
HIG
Hartford Financial
127.57
24.20
23.41%
PFG
Principal Financial
76.12
5.36
7.57%
EQH
Equitable Holdings
50.93
13.72
36.87%
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.