0.90%
5.54%
11.45%
18.07%
32.71%
57.15%
51.63%
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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

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 €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

The threat of substitutes for Allianz SE is medium due to the presence of alternative financial services and insurance products offered by other companies.

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.

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.

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.

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.

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%

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 …
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 …
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 …
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 …
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 …

Peers Metrics

DCF BETA

Parameters

Short Term Growth
Short term Time
Long-Term Growth
WACC
Target Price
326.0$
Current Price
326$
Potential
-0.00%

Expected Cash-Flows

Scoring Insights

ValueQualityYieldMomentumVolatilityGrowth
Company A-Score: 5.50Peer Group Average: 7.30Leader: 5.70

Peers Group Analysis

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