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Allianz SE Unsponsored ADR
(OTC:ALIZY)
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Rating:78Outperform
Price Target:
$58.00
▲(10.46% Upside)
Action:Reiterated
Date:08/07/26
The score is driven primarily by solid financial performance (improving profitability/ROE and strong cash generation) and a strong, upward technical trend, supported by a constructive earnings call with maintained guidance and high solvency. Valuation is also supportive (moderate P/E and ~4% yield). The main constraints are historical volatility/data inconsistencies in the financials and technically stretched momentum (high RSI/Stoch) that can raise pullback risk.
Positive Factors
Cash generation
Sustained large operating and free cash flows over recent years provide durable internal funding for claims, dividends, buybacks and M&A. Reliable absolute cash generation supports balance-sheet flexibility and makes the business less dependent on volatile capital markets for strategic investments.
Negative Factors
Earnings volatility
Material historical volatility and documented data inconsistencies reduce confidence in trend reliability and forecasting. For an insurer, unpredictable earnings complicate capital planning, reserving and shareholder returns, raising the risk that stress periods could force capital actions or underwriting pullbacks.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Sustained large operating and free cash flows over recent years provide durable internal funding for claims, dividends, buybacks and M&A. Reliable absolute cash generation supports balance-sheet flexibility and makes the business less dependent on volatile capital markets for strategic investments.
Read all positive factors
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$197.64B
Dividend Yield3.82%
Average Volume (3M)154.31K
Price to Earnings (P/E)14.8
Beta (1Y)0.43
Revenue Growth8.86%
EPS Growth24.52%
CountryUS
Employees155,785
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)2.95
Shares Outstanding3,804,189,000
10 Day Avg. Volume150,184
30 Day Avg. Volume154,312
Financial Highlights & Ratios
PEG Ratio2.57
Price to Book (P/B)2.35
Price to Sales (P/S)1.07
P/FCF Ratio4.87
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.52
Revenue Forecast (FY)$219.86B
Allianz SE Unsponsored ADR Business Overview & Revenue Model
Company Description
Allianz SE, through its various subsidiaries, operates as a global financial services conglomerate, specializing in property-casualty insurance, life and health insurance, and comprehensive asset management services. Its Property-Casualty division...
How the Company Makes Money
Allianz makes money primarily through (1) insurance underwriting and (2) asset management fees, with additional earnings from investment income and related financial services.
1) Property-Casualty (P&C) insurance revenue and profits
- Premiums: A...
Allianz SE Unsponsored ADR Earnings Call Summary
Earnings Call Date:Aug 07, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 12, 2026
Earnings Call Sentiment Positive
The call presents strong, broad-based operational performance across P&C, Life & Health and Asset Management with robust metrics (operating profit +9%, record EUR 84bn net inflows, solvency 225%) and clear strategic progress (targeted M&A, AI rollout, ongoing productivity gains). Headwinds are acknowledged — elevated Nat Cat risk (Q3 wildfires), AGCS reserve strengthening, market/disposal noise affecting reported net income, and cycle softness/reinsurance dynamics — but management emphasizes conservative balance sheet positioning and active cycle management. Overall, the positives (solid growth, record inflows, high solvency and disciplined strategy execution) outweigh the manageable near-term risks identified.Positive Updates
Strong Overall Financial Performance
Total business volume of EUR 99 billion (H1), up 4.3% year-on-year; operating profit of EUR 9.4 billion, up 9% YoY. Management reports excellent first-half results with momentum building into Q2.
Negative Updates
Near-term Natural Catastrophe Risk and Wildfires
Management expects increased Nat Cat activity in Q3 (wildfires in France, Spain, etc.); highlighted protection and affordability gaps for wildfire risk and potential uninsurable pockets in high-risk locations.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Overall Financial Performance
Total business volume of EUR 99 billion (H1), up 4.3% year-on-year; operating profit of EUR 9.4 billion, up 9% YoY. Management reports excellent first-half results with momentum building into Q2.
Read all positive updates
Company Guidance
Allianz kept its full‑year operating profit guidance at EUR 17.4 billion ± EUR 1.0 billion, saying H1 performance leaves it confident to hit its 2026 targets while noting H2 volatility (FX, Nat Cat, markets) could affect outcomes. H1 operating profit was EUR 9.4 billion (+9% y/y), shareholder core net income was up 9% and core EPS up 10%, total business volume was EUR 99 billion (+4.3%), and solvency stood at 225% (highest since 2018). Key segment metrics underpinning the guidance include P&C: ~EUR 50 billion volume, 6% internal growth, combined ratio 91.4%, expense ratio improvement ~30 bps and P&C operating profit EUR 4.9 billion (+9%); MidCorp combined ratio 88%; health & protection operating profit EUR 1.2 billion; Life & Health: VONB EUR 2.4 billion (VONB +4% adj), PVNBP +9% in Q2 and L&H operating profit +5% F/X‑adj; Asset Management: third‑party net inflows EUR 84 billion, annualized organic AUM growth ~8% (PIMCO 9%, AGI 7%), revenues +16% F/X‑adj and operating profit +19% F/X‑adj. Operating capital generation was 11% in H1 (vs. a 2027 target of 24–25 pp), and management noted they’ve strengthened P&C reserves for claims‑inflation uncertainty.Allianz SE Unsponsored ADR Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 159.79B | 137.81B | 136.92B | 119.67B | 79.86B | 118.91B |
| Gross Profit | 134.47B | 112.90B | 110.39B | 95.40B | 54.68B | 98.12B |
| EBITDA | 1.28B | 16.49B | 16.93B | 14.48B | 13.27B | 13.20B |
| Net Income | 11.80B | 10.78B | 9.93B | 8.54B | 6.42B | 6.61B |
Balance Sheet | ||||||
| Total Assets | 1.07T | 1.02T | 1.04T | 983.17B | 1.02T | 1.14T |
| Cash, Cash Equivalents and Short-Term Investments | 617.90B | 600.10B | 599.55B | 584.26B | 521.17B | 648.15B |
| Total Debt | 33.71B | 35.27B | 23.12B | 20.23B | 35.79B | 35.57B |
| Total Liabilities | 1.01T | 957.93B | 980.50B | 919.59B | 966.26B | 1.06T |
| Stockholders Equity | 62.87B | 62.72B | 60.29B | 58.48B | 54.41B | 79.95B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 30.27B | 29.99B | 22.32B | 346.00M | 23.71B |
| Operating Cash Flow | 0.00 | 31.90B | 31.90B | 24.46B | 1.96B | 25.12B |
| Investing Cash Flow | 0.00 | -25.79B | -25.68B | -12.01B | 2.96B | -19.78B |
| Financing Cash Flow | 0.00 | -6.51B | -4.36B | -5.72B | -4.37B | -3.79B |
Allianz SE Unsponsored ADR Technical Analysis
Positive
52.51
Price Trends
49.31
Positive
46.75
Positive
44.42
Positive
Market Momentum
0.91
Negative
65.46
Neutral
77.73
Neutral
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 52.51 is above the 20-day moving average (MA) of 51.22, above the 50-day MA of 49.31, and above the 200-day MA of 44.42, indicating a bullish trend. The MACD of 0.91 indicates Negative momentum. The RSI at 65.46 is Neutral, neither overbought nor oversold. The STOCH value of 77.73 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $33.46B | 7.61 | 19.52% | ― | -0.21% | 31.57% | |
79 Outperform | $37.21B | 8.78 | 22.99% | 1.65% | 5.95% | 39.99% | |
78 Outperform | $197.64B | 14.78 | 18.75% | 4.13% | 8.86% | 24.52% | |
77 Outperform | $970.54B | 12.63 | 11.86% | ― | 3.93% | 36.30% | |
74 Outperform | $13.74B | 12.30 | 12.23% | 5.08% | 24.97% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $39.93B | 13.77 | 7.27% | 2.34% | -4.19% | 1.09% |
* Financial Sector Average
ALIZY
Allianz SE Unsponsored ADR
52.39
12.59
31.63%
AEG
Aegon
9.18
1.75
23.60%
AIG
American International Group
75.88
-3.56
-4.48%
ACGL
Arch Capital Group
98.61
5.71
6.15%
HIG
Hartford Insurance
137.13
6.32
4.84%
BRK.B
Berkshire Hathaway B
502.33
0.84
0.17%
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.