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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:79Outperform
Price Target:
$48.00
▲(11.11% Upside)
Allianz SE's strong financial performance and positive earnings call are the most significant factors driving the score. The company's robust profitability, strategic growth initiatives, and upward-adjusted outlook contribute positively. Technical analysis and valuation provide additional support, though mixed technical signals and minor concerns from the earnings call slightly temper the overall score.
Positive Factors
Strategic Partnership
The partnership with Samsara enhances Allianz's risk management offerings, potentially expanding its market reach and improving customer retention in the UK fleet insurance market.
Operating Profit Growth
Sustained growth in operating profit indicates strong operational efficiency and the ability to capitalize on market opportunities, supporting long-term profitability.
Asset Management Inflows
Record net inflows in asset management suggest robust demand for Allianz's investment products, enhancing revenue diversification and stability.
Negative Factors
Market Softening
Softening in key market segments could pressure margins and slow growth, necessitating strategic adjustments to maintain competitive positioning.
Cybersecurity Incidents
Cybersecurity breaches pose risks to customer trust and operational integrity, potentially leading to increased costs and regulatory scrutiny.
Decline in Equity
A decline in equity can indicate financial vulnerabilities, impacting the company's ability to fund growth initiatives and maintain financial resilience.
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$163.62B
Dividend Yield3.94%
Average Volume (3M)269.80K
Price to Earnings (P/E)15.7
Beta (1Y)0.35
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. Volume430,682
30 Day Avg. Volume269,804
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 Cap0.00
Enterprise Value/Revenue0.00
Enterprise Value/Gross Profit0.00
Enterprise Value/Ebitda0.00
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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:Nov 14, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Feb 26, 2026
Earnings Call Sentiment Positive
The earnings call highlighted strong growth in business volume, operating profit, and asset management inflows, with a positive adjustment in the outlook. However, there were concerns regarding market softening in the commercial segment and recent cybersecurity incidents.Q3-2025 Updates
Positive Updates
Strong Business Volume Growth
Year-to-date business volume growth was strong at 8.5%, with a diversified growth perspective across segments and geographies.
Operating Profit Increase
Operating profit increased by more than 10% year-to-date, or 13% when adjusted for foreign exchange rates.
Core Net Income and EPS Growth
Core net income grew by 10.5% year-to-date, with core EPS up by 10%, exceeding the target range of 7%-9%.
Record P&C Operating Profit
Property & Casualty (P&C) achieved a record level of operating profit, up 15% versus last year.
Asset Management Net Inflows
Best third quarter ever in terms of net inflows at EUR 51 billion, with an annualized year-to-date growth rate of around 7%.
Adjusted Outlook
The outlook was adjusted upward, expecting to end the year with at least EUR 17 billion in operating profit.
Negative Updates
Challenges in Commercial Segment
Market softening in the large corporate and specialty business sector, requiring cautious management.
Cybersecurity Incidents
Recent cyber attacks in the U.S. and U.K. affected small portions of the customer base, requiring notification and engagement with affected clients.
Company Guidance
During Allianz's third-quarter and nine-month 2025 media conference call, CFO Claire-Marie Coste-Lepoutre provided updated guidance, citing a robust performance across all segments. The company's year-to-date business volume growth was strong at 8.5%, with a notable operating profit increase of over 10%, or 13% when FX adjusted. The core net income rose by 10.5%, or 8% when adjusted for certain disposals and tax effects, while the core EPS grew by 10%, exceeding the 7% to 9% target range. The core return on equity (ROE) surpassed 18%, and the solvency ratio stood at 209%. Allianz adjusted its full-year operating profit outlook upwards to at least EUR 17 billion, attributing the strong results to strategic initiatives in smart growth, productivity, and resilience. Additionally, the Property & Casualty (P&C) business achieved a record operating profit, up 15% from the previous year, with an 8% growth in total business volume. The combined ratio improved to 91.6%, and the attritional loss ratio progressed by more than one percentage point. In the Life & Health segment, the value of new business increased by 4% FX adjusted, and the operating profit reached EUR 4.2 billion, a 6% growth adjusted for FX. The Asset Management segment reported EUR 51 billion in net inflows for the third quarter, with revenues up 9% FX adjusted. The company also highlighted its strong focus on capital management, projecting more than 20% operating capital generation for the year.Allianz SE Unsponsored ADR Financial Statement Overview
Summary
Allianz SE presents a strong financial profile with solid profitability and efficient operations. The balance sheet is stable with manageable leverage, though recent declines in equity warrant attention. Cash flow generation is robust, supporting operational needs and 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.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 | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 131.33B | 136.92B | 119.67B | 79.86B | 118.91B | 112.24B |
| Gross Profit | 108.40B | 110.39B | 95.40B | 54.68B | 98.12B | 92.71B |
| EBITDA | 15.57B | 16.93B | 14.48B | 13.27B | 13.20B | 12.85B |
| 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
Positive
43.20
Price Trends
41.75
Positive
41.56
Positive
39.87
Positive
Market Momentum
0.41
Negative
63.54
Neutral
88.71
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 43.2 is above the 20-day moving average (MA) of 41.86, above the 50-day MA of 41.75, and above the 200-day MA of 39.87, indicating a bullish trend. The MACD of 0.41 indicates Negative momentum. The RSI at 63.54 is Neutral, neither overbought nor oversold. The STOCH value of 88.71 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $37.76B | 11.07 | 20.07% | 1.59% | 7.11% | 22.52% | |
79 Outperform | $163.62B | 15.68 | ― | 3.94% | 23.90% | 11.42% | |
79 Outperform | $33.78B | 8.72 | 17.81% | ― | 16.68% | -28.54% | |
76 Outperform | $18.52B | 12.28 | 13.74% | 3.58% | 12.33% | ― | |
69 Neutral | $12.60B | 8.76 | 14.42% | 5.56% | -6.19% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $41.34B | 13.73 | 7.68% | 2.11% | -23.02% | 52.43% |
* Financial Sector Average
ALIZY
Allianz SE Unsponsored ADR
43.19
12.61
41.24%
AEG
Aegon
7.94
1.75
28.27%
AIG
American International Group
76.95
2.60
3.50%
ACGL
Arch Capital Group
92.69
-5.79
-5.88%
HIG
Hartford Insurance
135.10
16.50
13.91%
PFG
Principal Financial
84.32
1.88
2.28%
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.