Allianz SE Unsponsored ADR (ALVE) Stock Price & Analysis
ALVE Stock Chart & Stats
- Day’s Range
- EUR 43.40 - EUR 43.40
- 52-Week Range
- EUR 33.40 - EUR 44.80
- Previous Close
- EUR 43.60
- Volume
- N/A
- Average Volume (3M)
- 17
- Market Cap
- EUR 166.13B
- Enterprise Value
- EUR 216.21B
- Total Cash (Recent Filing)
- EUR 617.90B
- Total Debt (Recent Filing)
- EUR 33.71B
- Price to Earnings (P/E)
- 14.4
- Beta
- 0.72
- Next Earnings
- Nov 12, 2026 (Est.)
- EPS Estimate
- 0.88
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.86%
Bulls Say, Bears Say
Bulls Say
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.
Capital Strength
A 225% solvency ratio gives a substantial regulatory and economic capital buffer, enabling Allianz to underwrite risk, absorb nat-cat shocks and pursue targeted M&A. High solvency underpins long-term franchise stability and preserves strategic optionality during adverse market cycles.
Asset Management Franchise
Strong, recurring fee generation from record third‑party inflows and mid-to-high single digit organic AUM growth diversifies earnings away from underwriting volatility. Growing asset management fees bolster margin sustainability and provide stable, high-margin cash flow over the medium term.
Bears Say
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.
Natural Catastrophe Exposure
Rising nat‑cat frequency and severity is a structural pressure on combined ratios and underwriting discipline. Persistent climate-driven losses can force higher premiums, tighten capacity in certain regions, or create coverage gaps that constrain growth and press loss provisions over multiple years.
Insurance Cycle Softening
A weakening commercial pricing cycle and lower reinsurance costs compress underwriting margins and reduce the benefit of prior price improvements. If sustained, cycle softening can erode return on capital for underwritten lines and require stricter risk selection or withdrawal from lower-return segments.
Allianz SE Unsponsored ADR News
ALVE FAQ
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Allianz SE Unsponsored ADR Stock Smart Score
Company Description
Allianz SE Unsponsored ADR
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 offers a wide array of insurance coverage, including policies for motor vehicle liability and damage, personal accident, general liability, fire and property protection, legal expenses, credit risk, and travel, catering to both individual consumers and corporate clients. The Life/Health segment provides diverse life and health protection plans, available to individuals and groups alike. These offerings encompass annuities, endowment and term life policies, unit-linked and investment-focused products, alongside private and supplementary health coverage, and long-term care provisions. Allianz's Asset Management arm delivers investment products and advisory services to third-party investors, including institutional and retail clients. Its portfolio spans equity and fixed-income funds, diversified multi-asset strategies, and alternative investments such such as infrastructure debt and equity, tangible real assets, liquid alternative strategies, and customized solutions. The Corporate and Other segment extends banking services to retail customers and facilitates digital investment platforms. Allianz SE was founded in 1890 and is headquartered in Munich, Germany.
- Sector
- Financial
- Industry
- Insurance - Diversified
- CEO
- Oliver Bate
- Employees
- 155,785
- Website
- www.allianz.com
- Address
- KOeniginstrasse 28, Munich, BV, 80802, DE
Allianz SE Unsponsored ADR (ALVE) Earnings & Revenues
ALVE Company Deck
ALVE Earnings Call
Earnings Call SentimentPositive
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.
View all DE:ALVE earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 4 | 2 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 12 | 0 | 0 |
