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AI Spotlight on ALV
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.
Market Data
Last Price | 326 |
Change Percentage | 0.90% |
Open | 321 |
Previous Close | 323.1 |
Market Cap ( Millions) | 125586 |
Volume | 694307 |
Year High | 330.3 |
Year Low | 238.3 |
M A 50 | 307.56 |
M A 200 | 285.01 |
Financial Ratios
FCF Yield | 18.43% |
Dividend Yield | 4.23% |
ROE | 17.69% |
Debt / Equity | 0.00% |
Net Debt / EBIDTA | -411.22% |
Price To Book | 2.19 |
Price Earnings Ratio | 13.14 |
Price To FCF | 5.43 |
Price To sales | 0.96 |
EV / EBITDA | 12.57 |
News
- Feb -24 - Bajaj Allianz Life implements Bima-ASBA facility
- Feb -14 - AllianzGI Bets on Turkish Lira Bonds Amid Selloff of the Decade
- Feb -13 - Is Stevanato Group S.p.A. (STVN) the Best Italian Stock to Buy in 2025?
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- Feb -12 - 3 High-Quality Dividend Stocks Yielding Up To 5.6%
- Feb -11 - Understanding the data behind Allianzβs warnings
- Feb -11 - Understanding the data behind Allianzβs EV battery fire warnings
- Feb -11 - Allianz UK warns motor traders of EV battery fire risks
- Feb -10 - Allianz PNB implements DXCβs cloud solution to transform operations
- Feb -07 - Allianz, IAG vie for RAC WAβs insurance division
- Feb -06 - Insurer records 10% annual jump in detected fraud in 2024
- Feb -06 - Fastest and slowest car insurers for dealing with claims revealed
Business Breakdown
Expected Mid-Term Growth
Segment nΒ°1 -> Property-Casualty
Expected Growth : 10 %
What the company do ?
Property-Casualty from Allianz SE refers to insurance products covering damage to property and liability for accidents or injuries, providing financial protection to individuals and businesses.
Why we expect these perspectives ?
Allianz SE's Property-Casualty segment growth of 10% is driven by increasing demand for insurance products, expansion into emerging markets, and strategic partnerships. Additionally, the company's digitalization efforts, improved underwriting capabilities, and effective risk management practices contribute to the growth. Furthermore, the segment benefits from a strong brand reputation, diversified product offerings, and a solid capital position.
Segment nΒ°2 -> Life/Health
Expected Growth : 11 %
What the company do ?
Allianz SE's Life/Health segment offers a range of life and health insurance products, including term life, whole life, and health insurance policies, as well as pension and annuity products.
Why we expect these perspectives ?
Allianz SE's Life/Health segment growth of 11% is driven by increasing demand for health insurance products, expansion into emerging markets, and strategic partnerships. Additionally, the company's digitalization efforts, improved underwriting, and investment in data analytics have enhanced operational efficiency, contributing to the segment's growth.
Segment nΒ°3 -> Asset Management
Expected Growth : 9 %
What the company do ?
Allianz SE's Asset Management provides investment solutions to individuals, companies, and institutions, managing over β¬2 trillion in assets globally.
Why we expect these perspectives ?
Allianz SE's 9% growth in Asset Management is driven by increasing demand for ESG investments, expansion into emerging markets, and strategic acquisitions. Additionally, the company's diversified investment portfolio, strong brand reputation, and cost savings initiatives have contributed to its growth. Furthermore, the rise of digitalization and automation in the industry has enabled Allianz to improve operational efficiency and reduce costs.
Segment nΒ°4 -> Consolidation
Expected Growth : 13 %
What the company do ?
Consolidation from Allianz SE refers to the process of combining financial statements of subsidiary companies into a single, unified financial report, providing a comprehensive view of the group's financial performance.
Why we expect these perspectives ?
Consolidation from Allianz SE driven by 13% growth, fueled by strategic acquisitions, expansion into emerging markets, and increased market share in the insurance industry. Additionally, cost savings from operational efficiencies, improved underwriting margins, and a strong capital position contribute to this growth.
Allianz Se Products
Product Range | What is it ? |
---|---|
Life Insurance | Provides financial protection to individuals and their loved ones in the event of death or terminal illness. |
Health Insurance | Covers medical expenses and provides access to quality healthcare services. |
Property Insurance | Protects individuals and businesses from financial losses due to damage or loss of property. |
Liability Insurance | Provides financial protection against legal liability for damages or injuries to others. |
Motor Insurance | Covers damages or losses to vehicles and provides financial protection against third-party liabilities. |
Travel Insurance | Provides financial protection against unexpected events during travel, such as trip cancellations, medical emergencies, and luggage loss. |
Investment Products | Offers a range of investment products, including mutual funds, unit-linked insurance plans, and pension plans. |
Retirement Solutions | Provides financial security and income during retirement through pension plans and annuities. |
Corporate Insurance | Offers customized insurance solutions for businesses, including liability insurance, property insurance, and employee benefits. |
Allianz SE's Porter Forces
Threat Of Substitutes
The threat of substitutes for Allianz SE is medium due to the presence of alternative financial services and insurance products offered by other companies.
Bargaining Power Of Customers
The bargaining power of customers for Allianz SE is low due to the company's strong brand reputation and diversified product offerings, making it difficult for customers to negotiate prices.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Allianz SE is medium due to the company's dependence on a few large suppliers for certain services, but the company's size and scale also give it some negotiating power.
Threat Of New Entrants
The threat of new entrants for Allianz SE is low due to the high barriers to entry in the insurance industry, including regulatory requirements and the need for significant capital investments.
Intensity Of Rivalry
The intensity of rivalry for Allianz SE is high due to the highly competitive nature of the insurance industry, with many established players competing for market share.
Strength
Weaknesses
Opportunities
Threats
Capital Structure
Value | |
---|---|
Debt Weight | 25.06% |
Debt Cost | 9.40% |
Equity Weight | 74.94% |
Equity Cost | 9.40% |
WACC | 9.40% |
Leverage | 33.44% |
Allianz SE : Quality Control
Allianz SE passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
Company | Rational |
---|---|
TLX.DE | Talanx AG provides insurance and reinsurance products and services worldwide. The company offers life, casualty, liability, motor, aviation, legal protection, fire, burglary and theft, water damage, plate glass, windstorm, comprehensive β¦ |
CS.PA | AXA SA, through its subsidiaries, provides insurance, asset management, and banking services worldwide. The company operates through France, Europe, Asia, AXA XL, International, and Transversal & Central Holdings segments. It β¦ |
SAMPO.HE | Sampo Oyj, through its subsidiaries, provides life and non-life insurance products and services in Finland, Sweden, Norway, Denmark, and the Baltic countries. It operates through If, Topdanmark, Hastings, Mandatum, and β¦ |
ZURN.SW | Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company β¦ |
SLHN.SW | Swiss Life Holding AG provides life insurance, risk, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, and Asset Managers segments. The company β¦ |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
π₯
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Zurich Insurance
A-Score
1-Year Total Return ->
π₯
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Allianz
A-Score
1-Year Total Return ->
π₯
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Talanx
A-Score
1-Year Total Return ->
4
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Sampo
A-Score
1-Year Total Return ->
5
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AXA
A-Score
1-Year Total Return ->
6
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