Allianz (ALV) AI Stock Analysis

• Market Cap: €136.13B
• Dividend Yield: 4.38%
• Average Volume (3M): 531.74K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 0.81
• Revenue Growth: 47.32%
• EPS Growth: 17.07%
• Country: DE
• Employees: 156,626
• Sector: Financial
• Sector Strength: 71
• Industry: Insurance - Diversified
• EPS (TTM): 7.39
• Shares Outstanding: 386,166,700
• 10 Day Avg. Volume: 462,631
• 30 Day Avg. Volume: 531,739
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: €357.67
• Price Target Upside: 1.78% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 11

• Rating: 77 Outperform
• Price Target: €392.00 ▲(11.55% Upside)

Allianz achieves a strong overall score due to its solid financial performance, featuring robust revenue growth and cash flow generation. While technical indicators are neutral, the company's valuation remains attractive with a fair P/E ratio and high dividend yield, providing a favorable investment opportunity.

Allianz Business Overview & Revenue Model

Company Description

Allianz 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 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.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	137.01B	124.64B	95.81B	110.49B	112.24B
Gross Profit	107.34B	99.42B	44.46B	103.12B	117.53B
EBITDA	16.93B	14.48B	13.27B	13.20B	10.52B
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	30.30B	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	54.41B	79.95B	80.82B
Cash Flow
Free Cash Flow	30.28B	22.32B	16.33B	23.71B	30.60B
Operating Cash Flow	31.90B	24.46B	17.95B	25.12B	32.05B
Investing Cash Flow	-25.68B	-12.01B	-14.99B	-19.78B	-28.87B
Financing Cash Flow	-4.36B	-5.72B	-4.37B	-3.79B	-1.39B

Allianz Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 351.40
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:ALV, the sentiment is Neutral. The current price of 351.4 is below the 20-day moving average (MA) of 365.82, below the 50-day MA of 354.03, and above the 200-day MA of 328.19, indicating a neutral trend. The MACD of -0.36 indicates Positive momentum. The RSI at 38.95 is Neutral, neither overbought nor oversold. The STOCH value of 11.53 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for DE:ALV.

Allianz Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ALV	77 Outperform	€136.13B	13.14	19.77%	4.38%	47.32%	17.07%
Sector *	68 Neutral	$17.81B	11.87	10.24%	3.74%	9.75%	1.30%
0M9A	―	€29.73B	11.97	22.81%	―	―	―
0KFE	―	€70.47B	13.89	16.65%	5.41%	―	―
0QA8	―	€28.97B	12.85	19.75%	―	―	―
0GJN	―	€1.28B	37.52	0.69%	―	―	―
NBG6	65 Neutral	€725.76M	―	-0.95%	0.22%	-1.28%	-153.13%