Education
About Us
Working with TipRanks
Follow Us
Allianz SE Unsponsored ADR (ALIZY)
OTHER OTC:ALIZY
Top Page
Allianz SE Unsponsored ADR
(OTC:ALIZY)
Select Model
Select Model
Rating:78Outperform
Price Target:
$48.00
▲(13.05% Upside)
Allianz SE's strong financial performance and positive earnings call sentiment are the primary drivers of its score. The company's robust profitability, strategic growth initiatives, and fair valuation contribute to its solid position. Technical indicators suggest a neutral trend, while the absence of significant corporate events leaves the focus on financial and operational strengths.
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$163.17B
Dividend Yield4.01%
Average Volume (3M)221.76K
Price to Earnings (P/E)14.5
Beta (1Y)0.39
Revenue Growth47.97%
EPS Growth17.96%
CountryUS
Employees156,626
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.86
Shares Outstanding3,861,666,700
10 Day Avg. Volume187,753
30 Day Avg. Volume221,763
Financial Highlights & Ratios
PEG Ratio0.61
Price to Book (P/B)1.90
Price to Sales (P/S)1.07
P/FCF Ratio3.82
Enterprise Value/Market Cap1.20
Enterprise Value/Revenue1.67
Enterprise Value/Gross Profit1.90
Enterprise Value/Ebitda12.53
Forecast
1Y Price Target
$50.75Price Target Upside19.52% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
Allianz SE Unsponsored ADR Business Overview & Revenue Model
Company DescriptionAllianz 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 MoneyAllianz SE generates revenue primarily through its diverse portfolio of insurance products and asset management services. The Property-Casualty Insurance segment contributes significantly to its income, providing coverage for vehicles, homes, and businesses, while collecting premiums from policyholders. The Life/Health Insurance segment earns revenue by offering life insurance, health insurance, and annuity products, with profits derived from underwriting and investment income. The Asset Management segment, including Allianz Global Investors and PIMCO, earns fees for managing third-party assets, leveraging its expertise in investment strategies to drive performance and attract clients. Additionally, Allianz SE forms strategic partnerships and acquisitions to expand its market reach and enhance its product offerings, further bolstering its revenue streams.
Allianz SE Unsponsored ADR Earnings Call Summary
Earnings Call Date:Aug 07, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Nov 14, 2025
Earnings Call Sentiment Positive
The earnings call conveyed a generally positive outlook, with strong growth in operating profit and internal growth in the P&C segment. Notable strategic partnerships and continued productivity improvements were highlighted. However, FX volatility and rate softening in AGC&S were concerns.Q2-2025 Updates
Positive Updates
Strong Internal Growth in P&C
The Property & Casualty segment recorded 8% internal growth, driven by 5% pricing and 3% volume increases. Notable contributors include Allianz Partners, AGC&S, and the German market.
Operating Profit Growth
Operating profit for the first half of 2025 reached EUR 8.6 billion, up 9% year-on-year, positioning Allianz well for its EUR 16 billion full-year target.
Expense Ratio Improvement
Allianz achieved a 24% expense ratio for the first half of 2025, a reduction from 28.6% in 2018, reflecting ongoing productivity improvements.
New Business Ventures
Allianz has expanded its joint venture with Sanlam in Africa to 49% and entered a strategic partnership in India with Reliance Group, aiming to grow in commercial lines, P&C, and health insurance.
Asset Management Inflows
PIMCO saw EUR 42 billion in net inflows, with a strong focus on active ETFs, credit, and private alternative strategies.
Negative Updates
FX Volatility Impact
FX impacts were significant, with a EUR 160 million headwind in operating profit for the first half of 2025, affecting the P&C investment results and non-operating income.
AGC&S Rate Softening
AGC&S experienced rate decreases, with a Q2 stand-alone decrease of about 4.5%, indicating a softening market.
Slightly Lower Asset Management Growth
Asset Management AUM growth was annualized at 4%, slightly lower due to market volatility and FX effects.
Company Guidance
In the second quarter of 2025, Allianz showcased robust financial performance, reporting a total business volume growth of 8% at constant FX, with operating profit reaching €8.6 billion, up 9% from the previous year. The Property & Casualty segment achieved an internal growth rate of 8%, with notable contributions from Allianz Partners, AGC&S, and the German market. The combined ratio improved to 91.5%, driven by a lower expense ratio of 24% and an 8% increase in underlying volume growth. In the Life segment, new business value grew by 9% with a strong new business margin of 9.6%. Asset Management saw net inflows of €42 billion, leading to an annualized organic growth rate of 4%. The group maintained a strong capital position, with a Solvency II ratio of 209% and an impressive operating capital generation of 13 percentage points year-to-date. Allianz remains focused on driving smart growth, reinforcing productivity, and strengthening resilience as part of its strategic initiatives.Allianz SE Unsponsored ADR Financial Statement Overview
Summary
Allianz SE demonstrates strong profitability with consistent margins and efficient operations. The balance sheet is stable with low leverage, though recent declines in equity require attention. Cash flow generation is robust, supporting strategic initiatives.Income Statement
Allianz SE demonstrates strong profitability with consistent gross profit margins and net profit margins over the years. The company has maintained a stable EBIT and EBITDA margin, reflecting efficient operations. However, recent revenue growth has been slightly volatile, with a minor decline in the latest year. Overall, the income statement indicates robust financial health with room for growth.82
Very Positive
Balance Sheet
The balance sheet of Allianz SE showcases a healthy equity position with a favorable debt-to-equity ratio, indicating low leverage risk. The company maintains a strong equity ratio, underlining financial stability. However, the decline in stockholders' equity over recent years could be a point of concern. Nonetheless, the balance sheet remains solid overall.78
Positive
Cash Flow
Allianz SE's cash flow statement highlights strong operating cash flow generation, which comfortably covers net income, indicating robust cash conversion. The free cash flow has shown positive growth, supporting strategic investments and shareholder returns. However, fluctuations in operating cash flows in recent years suggest a need for monitoring cash flow stability.80
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 117.01B | 107.34B | 99.42B | 114.30B | 118.91B | 117.53B |
| Gross Profit | 102.49B | 102.01B | 99.42B | 95.81B | 103.12B | 117.53B |
| EBITDA | 15.57B | 15.06B | 14.48B | 11.41B | 13.20B | 12.76B |
| Net Income | 10.21B | 9.93B | 8.54B | 6.42B | 6.61B | 6.81B |
Balance Sheet | ||||||
| Total Assets | 992.88B | 1.04T | 983.17B | 1.02T | 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 | 23.12B | 20.23B | 35.79B | 35.57B | 35.52B |
| Total Liabilities | 932.37B | 980.50B | 919.59B | 966.26B | 1.06T | 975.42B |
| Stockholders Equity | 57.20B | 60.29B | 58.48B | 54.41B | 79.95B | 80.82B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 29.99B | 22.32B | 346.00M | 23.71B | 30.60B |
| Operating Cash Flow | 0.00 | 31.90B | 24.46B | 1.96B | 25.12B | 32.05B |
| Investing Cash Flow | 0.00 | -25.68B | -12.01B | 2.96B | -19.78B | -28.87B |
| Financing Cash Flow | 0.00 | -4.36B | -5.72B | -4.37B | -3.79B | -1.39B |
Allianz SE Unsponsored ADR Technical Analysis
Positive
42.46
Price Trends
41.66
Positive
40.76
Positive
37.63
Positive
Market Momentum
0.16
Negative
59.89
Neutral
90.74
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ALIZY, the sentiment is Positive. The current price of 42.46 is above the 20-day moving average (MA) of 41.44, above the 50-day MA of 41.66, and above the 200-day MA of 37.63, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 59.89 is Neutral, neither overbought nor oversold. The STOCH value of 90.74 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ALIZY.
Allianz SE Unsponsored ADR Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $37.53B | 12.10 | 19.55% | 1.56% | 7.67% | 15.99% | |
78 Outperform | $163.17B | 14.48 | 19.18% | 4.01% | 47.97% | 17.96% | |
77 Outperform | $33.25B | 9.38 | 17.09% | ― | 23.79% | -32.09% | |
73 Outperform | $18.77B | 16.96 | 10.16% | 3.58% | -3.34% | -3.32% | |
70 Outperform | $44.89B | 15.02 | 7.61% | 2.10% | -33.87% | -5.72% | |
69 Neutral | $12.35B | 8.72 | 14.42% | 5.59% | -6.19% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
ALIZY
Allianz SE Unsponsored ADR
42.46
11.44
36.88%
AEG
Aegon
7.90
1.99
33.67%
AIG
American International Group
81.02
8.94
12.40%
ACGL
Arch Capital Group
90.79
-11.71
-11.42%
HIG
Hartford Financial
133.46
20.90
18.57%
PFG
Principal Financial
84.24
1.69
2.05%
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.