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Allianz SE Unsponsored ADR (ALIZY)
OTHER OTC:ALIZY
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Allianz SE Unsponsored ADR
(OTC:ALIZY)
Rating:79Outperform
Price Target:
$46.00
▲(13.86%Upside)
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$156.54B
Dividend Yield4.22%
Average Volume (3M)187.38K
Price to Earnings (P/E)14.8
Beta (1Y)0.37
Revenue Growth23.90%
EPS Growth11.42%
CountryUS
Employees156,626
SectorFinancial
Sector Strength80
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.74
Shares Outstanding3,861,666,700
10 Day Avg. Volume248,150
30 Day Avg. Volume187,381
Financial Highlights & Ratios
PEG Ratio-2.02
Price to Book (P/B)0.16
Price to Sales (P/S)0.00
P/FCF Ratio23.44
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$50.75Price Target Upside25.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
Allianz SE Unsponsored ADR Business Overview & Revenue Model
Company DescriptionAllianz SE is a leading global financial services company based in Munich, Germany, known for its comprehensive range of insurance and asset management products and services. The company operates through various segments, including Property-Casualty Insurance, Life/Health Insurance, and Asset Management, serving customers in more than 70 countries. Allianz SE's core offerings include personal and commercial insurance products, retirement and health solutions, as well as investment management services through its subsidiaries, such as Allianz Global Investors and PIMCO.
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: 3.40%|
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 |
| EBITDA | 6.78B | 13.75B | 11.41B | 12.86B | 12.76B | 14.18B |
| Net Income | 9.16B | 8.54B | 6.42B | 6.61B | 6.81B | 7.91B |
Balance Sheet | ||||||
| Total Assets | 998.35B | 983.17B | 1.02T | 1.14T | 1.06T | 1.01T |
| Cash, Cash Equivalents and Short-Term Investments | 28.06B | 584.26B | 521.17B | 648.15B | 640.20B | 611.65B |
| Total Debt | 43.77B | 20.23B | 35.79B | 35.57B | 35.52B | 34.13B |
| Total Liabilities | 939.54B | 919.59B | 966.26B | 1.06T | 975.42B | 933.82B |
| Stockholders Equity | 50.68B | 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
40.40
Price Trends
39.96
Positive
38.18
Positive
34.47
Positive
Market Momentum
0.36
Negative
52.88
Neutral
54.80
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 40.4 is above the 20-day moving average (MA) of 39.97, above the 50-day MA of 39.96, and above the 200-day MA of 34.47, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 52.88 is Neutral, neither overbought nor oversold. The STOCH value of 54.80 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 (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $156.54B | 14.81 | 16.46% | 4.22% | 23.90% | 11.42% | |
75 Outperform | $18.02B | 17.23 | 9.70% | 3.78% | 5.84% | -10.64% | |
73 Outperform | $32.92B | 9.01 | 18.42% | ― | 25.29% | -23.19% | |
72 Outperform | $34.65B | 12.15 | 18.49% | 1.72% | 7.55% | 14.16% | |
71 Outperform | $16.34B | 14.61 | 56.67% | 2.04% | 12.41% | 14.76% | |
68 Neutral | $47.13B | 18.27 | 6.13% | 2.20% | -44.30% | -33.09% | |
64 Neutral | $6.51B | 11.13 | 7.19% | 5.05% | 23.75% | 4.96% |
* Financial Sector Average
Performance Comparison
ALIZY
Allianz SE Unsponsored ADR
40.40
12.40
44.29%
AIG
American International Group
81.78
5.78
7.61%
ACGL
Arch Capital Group
87.84
-4.55
-4.92%
HIG
Hartford Financial
120.94
19.96
19.77%
PFG
Principal Financial
80.37
-2.65
-3.19%
EQH
Equitable Holdings
52.80
10.79
25.68%
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.