Allianz (ALV) AI Stock Analysis

• Market Cap: €136.02B
• Dividend Yield: 4.17%
• Average Volume (3M): 488.87K
• Price to Earnings (P/E): 13.8
• Beta (1Y): 0.81
• Revenue Growth: 25.33%
• EPS Growth: 12.54%
• Country: DE
• Employees: 156,626
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 7.44
• Shares Outstanding: 386,166,700
• 10 Day Avg. Volume: 540,393
• 30 Day Avg. Volume: 488,869
• PEG Ratio: 0.61
• Price to Book (P/B): 1.91
• Price to Sales (P/S): 0.84
• P/FCF Ratio: 3.80
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €373.21
• Price Target Upside: 0.95% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 9
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: €378.00 ▲(2.25% Upside)

Allianz's strong financial performance is the most significant factor contributing to its score, showcasing solid revenue growth and robust cash flow generation. However, technical analysis indicates bearish momentum, which poses a risk. The valuation is attractive with a reasonable P/E ratio and a high dividend yield, making it appealing for long-term investors.

Positive Factors

Strategic Partnership

The partnership with Samsara enhances Allianz's risk management offerings, potentially increasing customer retention and attracting new clients in the UK market.

Revenue Growth

Consistent revenue growth indicates successful market strategies and product demand, supporting long-term business expansion and financial health.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, allowing Allianz to invest in growth opportunities and maintain stability during economic fluctuations.

Negative Factors

Equity Ratio Concerns

A moderate equity ratio may limit Allianz's ability to leverage additional debt for growth, potentially impacting future expansion capabilities.

Bearish Technical Indicators

Bearish technical indicators could signal underlying market concerns, potentially affecting investor confidence and impacting future capital raising efforts.

Debt Management

Effective debt management is vital for Allianz to sustain its financial health, as increased leverage could strain cash flow and limit strategic options.

Allianz Business Overview & Revenue Model

Company Description

Allianz SE is a global financial services company headquartered in Munich, Germany, specializing in insurance and asset management. It operates in several key sectors, including property and casualty insurance, life and health insurance, and investment management. Allianz provides a broad range of products and services to individuals and businesses, including auto, home, travel, and commercial insurance, as well as retirement solutions and investment products.

How the Company Makes Money

Allianz generates revenue primarily through the underwriting of insurance policies across its various segments. The company collects premiums from policyholders, which constitute a significant portion of its income. Additionally, Allianz earns revenue from investment income, as it invests the premiums received in various financial instruments, generating returns over time. The asset management division also contributes to revenue through management fees charged on assets under management. Partnerships with other financial institutions and distribution channels further enhance their reach and revenue potential. Furthermore, Allianz benefits from economies of scale and diversification across different markets, which helps stabilize earnings across various economic conditions.

Allianz Financial Statement Overview

Summary

Allianz presents a very solid financial position with strong revenue growth, robust profit margins, and effective leverage management. The company's ability to generate cash flow is commendable, providing a solid foundation for future growth and stability. However, maintaining a balanced equity ratio remains crucial in navigating potential market fluctuations.

Income Statement

Allianz has demonstrated solid revenue growth over the past years with a significant increase in total revenue from 2023 to 2024. The gross profit margin remains high, indicating efficient cost management. Net profit margin has also improved, showing enhanced profitability. EBIT and EBITDA margins are robust, suggesting strong operational performance.

Balance Sheet

The company's balance sheet is strong with a low debt-to-equity ratio, indicating prudent leverage management. Return on equity is healthy, reflecting good profitability for shareholders. However, the equity ratio is moderate, suggesting a balanced approach between liabilities and equity.

Cash Flow

Allianz shows strong cash flow performance with a substantial increase in free cash flow from the previous year, enhancing financial flexibility. The operating cash flow to net income ratio indicates that the company efficiently converts its earnings into cash, supporting ongoing operations and future investments.

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	935.90B	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	30.30B	20.23B	35.79B	35.57B	35.52B
Total Liabilities	932.37B	980.50B	919.59B	877.16B	1.06T	975.42B
Stockholders Equity	57.20B	60.29B	58.48B	54.41B	79.95B	80.82B
Cash Flow
Free Cash Flow	34.83B	30.28B	22.32B	16.33B	23.71B	30.60B
Operating Cash Flow	36.77B	31.90B	24.46B	17.95B	25.12B	32.05B
Investing Cash Flow	-28.83B	-25.68B	-12.01B	-14.99B	-19.78B	-28.87B
Financing Cash Flow	2.74B	-4.36B	-5.72B	-4.37B	-3.79B	-1.39B

Allianz Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 369.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:ALV, the sentiment is Positive. The current price of 369.7 is above the 20-day moving average (MA) of 361.52, above the 50-day MA of 359.25, and above the 200-day MA of 348.05, indicating a bullish trend. The MACD of 3.60 indicates Negative momentum. The RSI at 64.41 is Neutral, neither overbought nor oversold. The STOCH value of 93.56 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:ALV.

Allianz Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HNR1	74 Outperform	€29.93B	12.06	21.34%	3.47%	2.57%	9.75%
MUV2	71 Outperform	€70.16B	13.89	19.40%	3.70%	0.48%	11.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ALV	67 Neutral	€136.02B	13.82	―	4.17%	25.33%	12.54%
TLX	67 Neutral	€27.53B	12.18	19.49%	2.41%	3.70%	24.02%
NBG6	65 Neutral	€1.38B	-165.06	-0.95%	0.12%	-1.28%	-153.13%
WUW	64 Neutral	€1.32B	38.68	―	4.60%	4.19%	-75.44%