Allianz SE Unsponsored ADR (ALIZY) AI Stock Analysis

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Allianz SE Unsponsored ADR

(OTC:ALIZY)

Rating:82Outperform

Price Target:

$50.00

▲(18.18% Upside)

Allianz SE's strong financial performance and positive earnings call sentiment are the primary drivers of its high score. Technical indicators support a bullish outlook, although caution is advised due to potential overbought conditions. The valuation is fair, providing a balanced risk-reward profile.

Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)

Market Cap

$163.19B

Dividend Yield4.02%

Average Volume (3M)175.32K

Price to Earnings (P/E)14.5

Beta (1Y)0.40

Revenue Growth47.97%

EPS Growth18.09%

CountryUS

Employees156,626

SectorFinancial

Sector Strength73

IndustryInsurance - Diversified

Share Statistics

EPS (TTM)0.86

Shares Outstanding3,861,666,700

10 Day Avg. Volume128,629

30 Day Avg. Volume175,322

Financial Highlights & Ratios

PEG RatioN/A

Price to Book (P/B)N/A

Price to Sales (P/S)N/A

P/FCF RatioN/A

Enterprise Value/Market Cap0.00

Enterprise Value/Revenue0.00

Enterprise Value/Gross Profit0.00

Enterprise Value/Ebitda0.00

Forecast

1Y Price Target

$50.38

Price Target Upside19.07% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering2

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:Aug 07, 2025

(Q2-2025)

% Change Since: |

Next Earnings Date:Nov 14, 2025

Earnings Call Sentiment Positive

The earnings call conveyed a generally positive outlook, with strong growth in operating profit and internal growth in the P&C segment. Notable strategic partnerships and continued productivity improvements were highlighted. However, FX volatility and rate softening in AGC&S were concerns.

Q2-2025 Updates

Positive Updates

Strong Internal Growth in P&C

The Property & Casualty segment recorded 8% internal growth, driven by 5% pricing and 3% volume increases. Notable contributors include Allianz Partners, AGC&S, and the German market.

Operating Profit Growth

Operating profit for the first half of 2025 reached EUR 8.6 billion, up 9% year-on-year, positioning Allianz well for its EUR 16 billion full-year target.

Expense Ratio Improvement

Allianz achieved a 24% expense ratio for the first half of 2025, a reduction from 28.6% in 2018, reflecting ongoing productivity improvements.

New Business Ventures

Allianz has expanded its joint venture with Sanlam in Africa to 49% and entered a strategic partnership in India with Reliance Group, aiming to grow in commercial lines, P&C, and health insurance.

Asset Management Inflows

PIMCO saw EUR 42 billion in net inflows, with a strong focus on active ETFs, credit, and private alternative strategies.

Negative Updates

FX Volatility Impact

FX impacts were significant, with a EUR 160 million headwind in operating profit for the first half of 2025, affecting the P&C investment results and non-operating income.

AGC&S Rate Softening

AGC&S experienced rate decreases, with a Q2 stand-alone decrease of about 4.5%, indicating a softening market.

Slightly Lower Asset Management Growth

Asset Management AUM growth was annualized at 4%, slightly lower due to market volatility and FX effects.

Company Guidance

In the second quarter of 2025, Allianz showcased robust financial performance, reporting a total business volume growth of 8% at constant FX, with operating profit reaching €8.6 billion, up 9% from the previous year. The Property & Casualty segment achieved an internal growth rate of 8%, with notable contributions from Allianz Partners, AGC&S, and the German market. The combined ratio improved to 91.5%, driven by a lower expense ratio of 24% and an 8% increase in underlying volume growth. In the Life segment, new business value grew by 9% with a strong new business margin of 9.6%. Asset Management saw net inflows of €42 billion, leading to an annualized organic growth rate of 4%. The group maintained a strong capital position, with a Solvency II ratio of 209% and an impressive operating capital generation of 13 percentage points year-to-date. Allianz remains focused on driving smart growth, reinforcing productivity, and strengthening resilience as part of its strategic initiatives.

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

Very Positive

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.

Balance Sheet

Positive

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.

Cash Flow

Positive

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.

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

Technical Analysis Sentiment

Neutral

Last Price42.31

Price Trends

50DMA

41.01

Positive

100DMA

40.10

Positive

200DMA

36.19

Positive

Market Momentum

MACD

0.60

Positive

RSI

51.93

Neutral

STOCH

13.61

Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ALIZY, the sentiment is Neutral. The current price of 42.31 is below the 20-day moving average (MA) of 42.44, above the 50-day MA of 41.01, and above the 200-day MA of 36.19, indicating a neutral trend. The MACD of 0.60 indicates Positive momentum. The RSI at 51.93 is Neutral, neither overbought nor oversold. The STOCH value of 13.61 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ALIZY.

Allianz SE Unsponsored ADR Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ALIZY	82 Outperform	$163.19B	14.50	18.32%	4.02%	47.97%	18.09%
HIG	80 Outperform	$37.35B	12.04	19.55%	1.54%	7.67%	15.99%
ACGL	79 Outperform	$33.93B	9.47	17.09%	―	23.79%	-32.09%
PFG	73 Outperform	$17.94B	16.22	10.16%	3.69%	-3.34%	-3.32%
AIG	70 Outperform	$45.75B	15.31	7.61%	2.02%	-33.87%	-5.72%
AEG	69 Neutral	$12.25B	8.80	14.42%	5.09%	-6.19%	―
Sector *	68 Neutral	$17.89B	12.03	10.28%	3.73%	9.80%	1.66%

* Financial Sector Average

Performance Comparison

ALIZY

Allianz SE Unsponsored ADR

42.31

12.17

40.38%

AEG

Aegon

7.80

1.99

34.25%

AIG

American International Group

81.60

6.16

8.17%

ACGL

Arch Capital Group

91.20

-16.34

-15.19%

HIG

Hartford Financial

132.22

18.04

15.80%

PFG

Principal Financial

80.22

1.70

2.17%

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.Date of analysis: Aug 19, 2025