Allianz stock analysis
Allianz (1ALV) Stock Price & Analysis
1ALV Stock Chart & Stats
- Day’s Range
- EUR 461.00 - EUR 466.00
- 52-Week Range
- EUR 339.30 - EUR 468.60
- Previous Close
- EUR 449.40
- Volume
- N/A
- Average Volume (3M)
- 2,401
- Market Cap
- EUR 172.63B
- Enterprise Value
- EUR 189.85B
- Total Cash (Recent Filing)
- EUR 33.89B
- Total Debt (Recent Filing)
- EUR 29.64B
- Price to Earnings (P/E)
- 15.2
- Beta
- 0.68
- Next Earnings
- Nov 12, 2026 (Est.)
- EPS Estimate
- 8.71
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.67%
Bulls Say, Bears Say
Bulls Say
Improving Profitability
Allianz is demonstrating stronger earnings power, with revenue, net income, and margin all improving in 2025. This indicates that its diversified insurance and financial-services platform is converting scale into durable profitability and provides more capacity to reinvest, absorb claims volatility, and support shareholder returns.
Strong Cash Generation
Very strong operating and free cash flow gives Allianz meaningful financial flexibility. Cash conversion close to net income suggests reported profits are supported by actual cash generation, helping fund dividends, investments, claims obligations, and strategic initiatives without relying heavily on external financing.
Improved Leverage And Strong Returns
Lower leverage alongside a rising return on equity points to a stronger and more efficient capital base. This combination improves balance-sheet resilience and indicates Allianz is generating attractive profitability without a corresponding increase in debt dependence, supporting stability across its insurance businesses.
Bears Say
Uneven Revenue History
The sharp 2022 revenue decline shows that Allianz’s reported top line can fluctuate materially across periods. Although revenue has recovered, this uneven history makes future growth less predictable and means investors must account for sensitivity to changes in insurance activity, investment results, and other reporting drivers.
Reduced Equity Base
A lower equity base than in 2021, combined with fluctuating total assets, indicates that Allianz’s balance sheet remains sensitive to changes in insurance and investment conditions. Even with reasonable leverage, reduced capital can limit flexibility and leave less buffer against adverse movements in obligations or asset values.
Variable Cash Conversion
Allianz generates substantial cash, but the year-to-year pattern is not consistently expanding. The 2025 free-cash-flow decline and irregular operating cash-flow coverage indicate that cash conversion can vary, which may complicate planning for distributions, investment, and other long-term capital-allocation priorities.
Allianz News
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Allianz Stock Smart Score
Company Description
Allianz
Allianz SE, encompassing its various affiliates, operates on a global scale, delivering property-casualty insurance, life and health coverage, and asset management services. Through its Property-Casualty division, Allianz supplies a broad array of coverage for individuals and businesses, including motor liability and damage, accident protection, general liability, fire and property, legal expense, credit, and travel insurance. The Life/Health segment delivers a diverse portfolio of individual and group insurance plans, such as annuities, endowment and term life policies, unit-linked and investment-oriented products, as well as private and supplemental health, and long-term care insurance. Allianz's Asset Management unit caters to third-party investors, both institutional and retail, through offerings like equity and fixed income funds, multi-asset strategies, and alternative investments, specifically infrastructure debt/equity, real assets, liquid alternatives, and tailored solutions. Rounding out its operations, the Corporate and Other segment encompasses consumer banking services and digital investment platforms. Founded in 1890, Allianz SE maintains its headquarters in Munich, Germany.
- Sector
- General
- Industry
- Insurance - Diversified
- CEO
- Oliver Bate
- Employees
- 138,378
- Website
- www.allianz.com
- Address
- KOeniginstrasse 28, Munich, BV, 80802, DE
Allianz (1ALV) Earnings & Revenues
1ALV Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 5 | 3 |
| Technical Analysis | 2 | 5 | 3 |
| Moving Averages | 12 | 0 | 0 |
