Allianz (DE:ALV)
XETRA:ALV
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Allianz
(XETRA:ALV)
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Rating:71Outperform
Price Target:
€427.00
▲(9.49% Upside)
Action:Upgraded
Date:03/19/26
The score is driven mainly by solid financial performance (improving earnings, strong ROE, and strong cash generation) and supportive valuation (reasonable P/E plus a ~4.29% dividend yield). These strengths are tempered by weaker technicals, with the stock trading below key moving averages and negative MACD signaling soft near-term momentum.
Positive Factors
Strong cash generation
Consistent high free cash flow and close tracking of net income indicate durable internal funding for dividends, reserves and strategic investments. For an insurer, strong FCF supports underwriting capacity and capital returns without heavy reliance on market financing.
Negative Factors
Uneven historical revenue
Past sharp revenue swings, notably in 2022, indicate sensitivity to underwriting cycles, catastrophic losses or market-driven asset swings. Such volatility can complicate capital planning and underwriting discipline, challenging predictability of multi-period earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Consistent high free cash flow and close tracking of net income indicate durable internal funding for dividends, reserves and strategic investments. For an insurer, strong FCF supports underwriting capacity and capital returns without heavy reliance on market financing.
Read all positive factors
Allianz (ALV) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€146.33B
Dividend Yield3.94%
Average Volume (3M)488.87K
Price to Earnings (P/E)12.2
Beta (1Y)0.85
Revenue GrowthN/A
EPS GrowthN/A
CountryDE
Employees156,626
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)26.09
Shares Outstanding380,418,880
10 Day Avg. Volume540,393
30 Day Avg. Volume488,869
Financial Highlights & Ratios
PEG Ratio1.00
Price to Book (P/B)2.34
Price to Sales (P/S)1.07
P/FCF Ratio4.67
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€423.84Price Target Upside8.68% Upside
Rating ConsensusHold
Number of Analyst Covering9
EPS Forecast (FY)30.58
Revenue Forecast (FY)€188.79B
Allianz Business Overview & Revenue Model
Company Description
Allianz SE, encompassing its various affiliates, operates on a global scale, delivering property-casualty insurance, life and health coverage, and asset management services. Through its Property-Casualty division, Allianz supplies a broad array of...
How the Company Makes Money
Allianz makes money mainly through (1) insurance underwriting and related fees and (2) asset management fees, supported by investment income generated from its insurance “float” (premiums collected before claims are paid).
1) Property-Casualty (P...
Allianz Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
78
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 131.33B | 137.81B | 136.92B | 119.67B | 79.86B | 118.91B |
| Gross Profit | 108.40B | 112.90B | 110.39B | 95.40B | 54.68B | 98.12B |
| EBITDA | 15.57B | 16.49B | 16.93B | 14.48B | 13.27B | 13.20B |
| Net Income | 10.21B | 10.78B | 9.93B | 8.54B | 6.42B | 6.61B |
Balance Sheet | ||||||
| Total Assets | 992.88B | 1.02T | 1.04T | 983.17B | 935.90B | 1.14T |
| Cash, Cash Equivalents and Short-Term Investments | 590.95B | 29.85B | 599.55B | 584.26B | 521.17B | 648.15B |
| Total Debt | 29.64B | 28.65B | 30.30B | 20.23B | 35.79B | 35.57B |
| Total Liabilities | 932.37B | 957.93B | 980.50B | 919.59B | 877.16B | 1.06T |
| Stockholders Equity | 57.20B | 62.72B | 60.29B | 58.48B | 54.41B | 79.95B |
Cash Flow | ||||||
| Free Cash Flow | 34.83B | 31.52B | 30.28B | 22.32B | 16.33B | 23.71B |
| Operating Cash Flow | 36.77B | 33.21B | 31.90B | 24.46B | 17.95B | 25.12B |
| Investing Cash Flow | -28.83B | -26.85B | -25.68B | -12.01B | -14.99B | -19.78B |
| Financing Cash Flow | 2.74B | -6.78B | -4.36B | -5.72B | -4.37B | -3.79B |
Allianz Technical Analysis
Positive
390.00
Price Trends
373.21
Positive
361.48
Positive
355.64
Positive
Market Momentum
2.13
Positive
60.28
Neutral
87.08
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 390 is above the 20-day moving average (MA) of 381.03, above the 50-day MA of 373.21, and above the 200-day MA of 355.64, indicating a bullish trend. The MACD of 2.13 indicates Positive momentum. The RSI at 60.28 is Neutral, neither overbought nor oversold. The STOCH value of 87.08 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | €26.12B | 9.87 | 27.86% | 2.37% | 3.40% | 31.91% | |
71 Outperform | €146.33B | 12.20 | 19.58% | 3.94% | ― | ― | |
67 Neutral | €1.38B | 31.14 | 5.08% | 0.12% | -2.67% | ― | |
57 Neutral | €41.53B | 15.36 | 8.41% | 1.82% | -4.17% | -0.03% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
DE:ALV
Allianz
386.40
57.63
17.53%
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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.