Allianz SE Unsponsored ADR AI Stock Analysis
Want to see ALIZY full AI Analyst Report?
Allianz SE Unsponsored ADR (ALIZY) AI Stock Analysis
Allianz SE Unsponsored ADR
(Other OTC:ALIZY)
The score is driven primarily by solid financial performance (improving profitability/ROE and strong recent cash generation) and a constructive technical backdrop (price above key moving averages with positive MACD). The latest earnings call adds meaningful support via raised guidance and strong solvency/capital generation, while valuation looks fair with a supportive dividend; cyclicality and some data-quality inconsistencies cap the overall rating.
Allianz SE Unsponsored ADR (ALIZY) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $196.55B
- Dividend Yield
- 3.89%
- Average Volume (3M)
- 295.31K
- Price to Earnings (P/E)
- 15.2
- Beta (1Y)
- 0.43
- Revenue Growth
- 28.97%
- EPS Growth
- 25.28%
- Country
- US
- Employees
- 155,785
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Diversified
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 of...
How the Company Makes Money
Allianz makes money mainly through (1) insurance operations and (2) asset management, with additional earnings influenced by investment income and financial results. 1) Insurance revenue and earnings - Premiums: The core revenue driver is insurance p...
Allianz SE Unsponsored ADR Earnings Call Summary
The call was strongly positive overall. Allianz reported broad-based operating profit growth, improved core earnings and ROE, strong solvency, record Asset Management performance, resilient P&C profitability and a raised full-year operating profit outlook. The principal challenges were the EUR 1.1 billion of third-quarter NatCat losses, market volatility, softer AGCS pricing, competitive German pension conditions and some unfavorable prior-year comparison effects, but management stated that these were being absorbed by the diversified business model and did not change its confidence in the full-year outcome.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Allianz raised the upper end of its operating profit target range to around EUR 18.6 billion, barring unforeseen significant natural catastrophes or capital market events, and said it was clearly very confident in the full year outcome and in delivering a strong and sustainable level of profit; P&C’s combined ratio is running at the lower end of the 92% to 93% range communicated as part of the outlook, Life’s normalized CSM growth is running close to its full year expectation of 5% normalized CSM growth, core EPS growth is at 8%, well in line with the Capital Market Day range of 7% to 9% EPS growth, and core ROE is 19%, ahead of the Capital Market Day target of at least 17%.
Allianz SE Unsponsored ADR Financial Statement Overview
Summary
Solid overall fundamentals supported by improving earnings power and ROE in 2023–2025 and strong absolute operating/free cash flow in the last three years. The score is tempered by cyclicality/volatility (notably the 2022 disruption) and data inconsistencies (e.g., 2025 leverage and some cash-flow ratio fields) that reduce confidence in trend assessment.
Income Statement
78PositiveBalance Sheet
74PositiveCash Flow
70Positive| 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 | 1.56B | 18.40B | 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 | 30.27B | 29.99B | 22.32B | 346.00M | 23.71B |
| Operating Cash Flow | 0 | 31.90B | 31.90B | 24.46B | 1.96B | 25.12B |
| Investing Cash Flow | 0 | -25.79B | -25.68B | -12.01B | 2.96B | -19.78B |
| Financing Cash Flow | 0 | -6.51B | -4.36B | -5.72B | -4.37B | -3.79B |
Allianz SE Unsponsored ADR Technical Analysis
Price Trends
Market Momentum
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 51.44 is above the 20-day moving average (MA) of 49.39, above the 50-day MA of 49.21, and above the 200-day MA of 46.06, indicating a bullish trend. The MACD of 0.81 indicates Negative momentum. The RSI at 60.47 is Neutral, neither overbought nor oversold. The STOCH value of 77.56 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
Overall Rating
HIG81.7Outperform
ACGL81Outperform
BRK.B78Outperform
AIG77Outperform- ALIZY76Outperform
AEG74Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HIG | 82Outperform | $36.85B | 8.23 | 24.13% | 1.75% | 4.08% | 34.70% |
| ACGL | 81Outperform | $35.53B | 8.82 | 18.35% | ― | -5.29% | 14.08% |
| BRK.B | 78Outperform | $1.25T | 16.46 | 10.43% | ― | 6.24% | 14.58% |
| AIG | 77Outperform | $42.68B | 13.41 | 8.18% | 2.29% | 1.19% | 9.77% |
| ALIZY | 76Outperform | $191.56B | 15.17 | 18.75% | 3.89% | 28.97% | 25.28% |
| AEG | 74Outperform | $12.93B | 12.07 | 12.23% | 5.60% | 24.97% | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ALIZY | Allianz SE Unsponsored ADR | 51.44 | 10.49 | 25.61% | |
| AEG | Aegon Nv | 8.67 | 1.13 | 15.02% | |
| AIG | American International Group, Inc. | 82.85 | 6.38 | 8.35% | |
| ACGL | Arch Capital | 109.17 | 16.41 | 17.69% | |
| HIG | Hartford Insurance Group Inc | 137.18 | 5.85 | 4.46% | |
| BRK.B | Berkshire Hathaway B | 588.24 | 75.13 | 14.64% |
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.
Date of analysis: Nov 12, 2026