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Also traded in: Germany, Italy, Mexico, Romania, Switzerland, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 1.90
AZSEY's Cash-to-Debt is ranked lower than
78% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AZSEY: 1.90 )
Ranked among companies with meaningful Cash-to-Debt only.
AZSEY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.6  Med: 1.37 Max: 1.9
Current: 1.9
0.6
1.9
Equity-to-Asset 0.08
AZSEY's Equity-to-Asset is ranked lower than
90% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. AZSEY: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
AZSEY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.07 Max: 0.08
Current: 0.08
0.04
0.08
Debt-to-Equity 0.11
AZSEY's Debt-to-Equity is ranked higher than
54% of the 82 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. AZSEY: 0.11 )
Ranked among companies with meaningful Debt-to-Equity only.
AZSEY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11  Med: 0.18 Max: 1.11
Current: 0.11
0.11
1.11
Debt-to-EBITDA 0.59
AZSEY's Debt-to-EBITDA is ranked higher than
55% of the 89 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.43 vs. AZSEY: 0.59 )
Ranked among companies with meaningful Debt-to-EBITDA only.
AZSEY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.59  Med: 0.79 Max: 3.11
Current: 0.59
0.59
3.11
Interest Coverage 8.53
AZSEY's Interest Coverage is ranked lower than
77% of the 190 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. AZSEY: 8.53 )
Ranked among companies with meaningful Interest Coverage only.
AZSEY' s Interest Coverage Range Over the Past 10 Years
Min: 2.96  Med: 5.5 Max: 8.53
Current: 8.53
2.96
8.53
Beneish M-Score: -2.51
WACC vs ROIC
7.24%
11.77%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 9.32
AZSEY's Operating Margin % is ranked higher than
55% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.30 vs. AZSEY: 9.32 )
Ranked among companies with meaningful Operating Margin % only.
AZSEY' s Operating Margin % Range Over the Past 10 Years
Min: 5.11  Med: 8.64 Max: 11.79
Current: 9.32
5.11
11.79
Net Margin % 6.23
AZSEY's Net Margin % is ranked lower than
56% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.74 vs. AZSEY: 6.23 )
Ranked among companies with meaningful Net Margin % only.
AZSEY' s Net Margin % Range Over the Past 10 Years
Min: -2.64  Med: 5.66 Max: 8.89
Current: 6.23
-2.64
8.89
ROE % 10.55
AZSEY's ROE % is ranked higher than
58% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.23 vs. AZSEY: 10.55 )
Ranked among companies with meaningful ROE % only.
AZSEY' s ROE % Range Over the Past 10 Years
Min: -5.8  Med: 11.19 Max: 16.36
Current: 10.55
-5.8
16.36
ROA % 0.79
AZSEY's ROA % is ranked lower than
69% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.46 vs. AZSEY: 0.79 )
Ranked among companies with meaningful ROA % only.
AZSEY' s ROA % Range Over the Past 10 Years
Min: -0.23  Med: 0.79 Max: 0.85
Current: 0.79
-0.23
0.85
3-Year Revenue Growth Rate 2.80
AZSEY's 3-Year Revenue Growth Rate is ranked higher than
95% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.60 vs. AZSEY: 2.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AZSEY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -14.1  Med: 2.15 Max: 4.4
Current: 2.8
-14.1
4.4
3-Year EBITDA Growth Rate 1.80
AZSEY's 3-Year EBITDA Growth Rate is ranked lower than
51% of the 156 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.50 vs. AZSEY: 1.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AZSEY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -0.55 Max: 15
Current: 1.8
0
15
3-Year EPS without NRI Growth Rate 4.80
AZSEY's 3-Year EPS without NRI Growth Rate is ranked lower than
57% of the 154 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 vs. AZSEY: 4.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AZSEY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -14.5  Med: 4.45 Max: 35.5
Current: 4.8
-14.5
35.5
GuruFocus has detected 7 Warning Signs with Allianz SE AZSEY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» AZSEY's 30-Y Financials

Financials (Next Earnings Date: 2018-02-16)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2016

AZSEY Guru Trades in Q4 2016

John Buckingham 70,016 sh (+20.45%)
» More
Q1 2017

AZSEY Guru Trades in Q1 2017

John Buckingham 78,769 sh (+12.50%)
» More
Q2 2017

AZSEY Guru Trades in Q2 2017

John Buckingham 88,507 sh (+12.36%)
» More
Q3 2017

AZSEY Guru Trades in Q3 2017

John Buckingham 89,723 sh (+1.37%)
» More
» Details

Insider Trades

Latest Guru Trades with AZSEY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance » Insurance - Diversified    NAICS: 524126    SIC: 6411
Compare:XPAR:CS, NYSE:AIG, XSWX:ZURN, MIL:G, LSE:AV., TSX:SLF, NYSE:HIG, TSE:8725, TSE:8630, XAMS:NN, BOM:532978, XAMS:AGN, XSWX:SLHN, NYSE:ATH, XTER:TLX, OSL:GJF, XSWX:BALN, TSE:8729, XKRX:000815, LSE:DLG » details
Traded in other countries:ALV.Germany, ALV.Italy, ALV N.Mexico, ALV.Romania, ALV.Switzerland, 0M6S.UK,
Headquarter Location:Germany
Allianz SE is a financial service company. The company's product portfolio includes a wide range of Property-Casualty and Life/Health insurance products for both private and corporate customers.

Munich-based Allianz Group is a leading financial services enterprise that offers insurance and asset-management services. The insurance business is organised in three segments, with property-casualty insurance accounting for about half of operating profits, followed roughly equally by life insurance and asset-management businesses. Allianz is one of the largest asset managers in the world. The company offers investment services to retail investors and pension funds under the brand names of Pimco and Allianz Global Investors.

Top Ranked Articles about Allianz SE

Allianz May Buy Out IVA Fund's Holding of Euler Hermes Euler Hermes is the world's largest and oldest insurer of accounts receivables
Euler Hermes (EUHMF)(EURHY) is the largest insurer of accounts receivables in the world. The company has been a slow grower but has good financials. There are talks of a buyout from Allianz (AZSEY). Read more...

Ratios

vs
industry
vs
history
PE Ratio 13.16
AZSEY's PE Ratio is ranked higher than
57% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.24 vs. AZSEY: 13.16 )
Ranked among companies with meaningful PE Ratio only.
AZSEY' s PE Ratio Range Over the Past 10 Years
Min: 2.63  Med: 9.64 Max: 18.24
Current: 13.16
2.63
18.24
Forward PE Ratio 11.70
AZSEY's Forward PE Ratio is ranked lower than
61% of the 23 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.76 vs. AZSEY: 11.70 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.16
AZSEY's PE Ratio without NRI is ranked higher than
58% of the 174 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.36 vs. AZSEY: 13.16 )
Ranked among companies with meaningful PE Ratio without NRI only.
AZSEY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.87  Med: 9.57 Max: 18.24
Current: 13.16
2.87
18.24
Price-to-Owner-Earnings 4.74
AZSEY's Price-to-Owner-Earnings is ranked lower than
69% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.16 vs. AZSEY: 4.74 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AZSEY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.66  Med: 3.3 Max: 5.87
Current: 4.74
1.66
5.87
PB Ratio 1.33
AZSEY's PB Ratio is ranked lower than
52% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. AZSEY: 1.33 )
Ranked among companies with meaningful PB Ratio only.
AZSEY' s PB Ratio Range Over the Past 10 Years
Min: 0.44  Med: 1.05 Max: 1.5
Current: 1.33
0.44
1.5
PS Ratio 0.82
AZSEY's PS Ratio is ranked higher than
63% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.10 vs. AZSEY: 0.82 )
Ranked among companies with meaningful PS Ratio only.
AZSEY' s PS Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.55 Max: 0.85
Current: 0.82
0.23
0.85
Price-to-Free-Cash-Flow 4.65
AZSEY's Price-to-Free-Cash-Flow is ranked lower than
99.99% of the 118 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.11 vs. AZSEY: 4.65 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AZSEY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.91  Med: 2.92 Max: 6.22
Current: 4.65
0.91
6.22
Price-to-Operating-Cash-Flow 4.21
AZSEY's Price-to-Operating-Cash-Flow is ranked lower than
99.99% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.11 vs. AZSEY: 4.21 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AZSEY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.88  Med: 2.67 Max: 5.77
Current: 4.21
0.88
5.77
EV-to-EBIT 7.48
AZSEY's EV-to-EBIT is ranked higher than
56% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.44 vs. AZSEY: 7.48 )
Ranked among companies with meaningful EV-to-EBIT only.
AZSEY' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.8  Med: 5.6 Max: 9.2
Current: 7.48
2.8
9.2
EV-to-EBITDA 6.70
AZSEY's EV-to-EBITDA is ranked higher than
52% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.29 vs. AZSEY: 6.70 )
Ranked among companies with meaningful EV-to-EBITDA only.
AZSEY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.6  Med: 5.05 Max: 8.5
Current: 6.7
2.6
8.5
EV-to-Revenue 0.78
AZSEY's EV-to-Revenue is ranked higher than
56% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.96 vs. AZSEY: 0.78 )
Ranked among companies with meaningful EV-to-Revenue only.
AZSEY' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.3  Med: 0.5 Max: 1.2
Current: 0.78
0.3
1.2
PEG Ratio 1.48
AZSEY's PEG Ratio is ranked lower than
56% of the 70 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.09 vs. AZSEY: 1.48 )
Ranked among companies with meaningful PEG Ratio only.
AZSEY' s PEG Ratio Range Over the Past 10 Years
Min: 1.04  Med: 1.22 Max: 33.07
Current: 1.48
1.04
33.07
Shiller PE Ratio 17.62
AZSEY's Shiller PE Ratio is ranked lower than
68% of the 25 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.91 vs. AZSEY: 17.62 )
Ranked among companies with meaningful Shiller PE Ratio only.
AZSEY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.67  Med: 13.35 Max: 18.11
Current: 17.62
10.67
18.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.57
AZSEY's Dividend Yield % is ranked higher than
56% of the 271 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.10 vs. AZSEY: 3.57 )
Ranked among companies with meaningful Dividend Yield % only.
AZSEY' s Dividend Yield % Range Over the Past 10 Years
Min: 1.13  Med: 4.06 Max: 11.3
Current: 3.57
1.13
11.3
Dividend Payout Ratio 0.46
AZSEY's Dividend Payout Ratio is ranked lower than
76% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.46 vs. AZSEY: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AZSEY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.39 Max: 0.82
Current: 0.46
0.23
0.82
3-Year Dividend Growth Rate 17.50
AZSEY's 3-Year Dividend Growth Rate is ranked higher than
75% of the 87 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.40 vs. AZSEY: 17.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
AZSEY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.4 Max: 46.5
Current: 17.5
0
46.5
Forward Dividend Yield % 3.55
AZSEY's Forward Dividend Yield % is ranked higher than
52% of the 256 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.24 vs. AZSEY: 3.55 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.18
AZSEY's 5-Year Yield-on-Cost % is ranked higher than
77% of the 303 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.00 vs. AZSEY: 6.18 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AZSEY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.96  Med: 7.05 Max: 19.56
Current: 6.18
1.96
19.56
3-Year Average Share Buyback Ratio -0.10
AZSEY's 3-Year Average Share Buyback Ratio is ranked higher than
63% of the 106 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. AZSEY: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AZSEY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -22.3  Med: -0.15 Max: -0.1
Current: -0.1
-22.3
-0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.76
AZSEY's Price-to-Tangible-Book is ranked lower than
56% of the 191 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.48 vs. AZSEY: 1.76 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AZSEY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.16  Med: 1.56 Max: 3.87
Current: 1.76
1.16
3.87
Price-to-Intrinsic-Value-Projected-FCF 0.33
AZSEY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
81% of the 67 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.74 vs. AZSEY: 0.33 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AZSEY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.26 Max: 2.18
Current: 0.33
0.17
2.18
Price-to-Median-PS-Value 1.51
AZSEY's Price-to-Median-PS-Value is ranked lower than
84% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. AZSEY: 1.51 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AZSEY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.65  Med: 1.09 Max: 2.35
Current: 1.51
0.65
2.35
Price-to-Peter-Lynch-Fair-Value 1.47
AZSEY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
99.99% of the 23 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.79 vs. AZSEY: 1.47 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
AZSEY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.6  Med: 1.14 Max: 1.41
Current: 1.47
0.6
1.41
Price-to-Graham-Number 1.02
AZSEY's Price-to-Graham-Number is ranked lower than
55% of the 165 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.90 vs. AZSEY: 1.02 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AZSEY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.69  Med: 0.82 Max: 2.2
Current: 1.02
0.69
2.2
Earnings Yield (Greenblatt) % 13.37
AZSEY's Earnings Yield (Greenblatt) % is ranked higher than
64% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.05 vs. AZSEY: 13.37 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AZSEY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 10.8  Med: 17.9 Max: 35.8
Current: 13.37
10.8
35.8
Forward Rate of Return (Yacktman) % 32.37
AZSEY's Forward Rate of Return (Yacktman) % is ranked higher than
71% of the 72 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.19 vs. AZSEY: 32.37 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
AZSEY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -13.5  Med: 31.15 Max: 70.4
Current: 32.37
-13.5
70.4

More Statistics

Revenue (TTM) (Mil) $116,456.75
EPS (TTM) $ 1.58
Beta0.97
Short Percentage of Float0.00%
52-Week Range $15.61 - 23.83
Shares Outstanding (Mil)4,449.76 (ADR)

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 133,938 137,125 144,328
EPS ($) 1.89 1.99 2.09
EPS without NRI ($) 1.89 1.99 2.09
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.94 0.99 1.04

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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