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Allianz SEXSWX:ALV 83 3-Year Book Growth Rate is 6.80% as of Jun. 2026, which is 77% above its 10-year median of 3.85. GuruFocus rates XSWX:ALV with a GF Score™ of 83/100 and a GF Value™ of CHF354.95. The stock has 6 warning signs investors should review. Among 479 Insurance companies, Allianz SE ranks worse than 58.25% on this metric.
During the past 12 months, Allianz SE's average Book Value per Share Growth Rate was 11.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -1.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 0.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Allianz SE was 11.70% per year. The lowest was -9.90% per year. And the median was 3.85% per year.
Allianz SE (XSWX:ALV) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Allianz SE 3-Year Book Growth Rate Related Terms
XSWX:ALV vs BRK.A, AIG, HIG: 3-Year Book Growth Rate Comparison
For the Insurance - Diversified subindustry, Allianz SE's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Allianz SE 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz SE's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Allianz SE's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.80% mean?
Allianz SE (XSWX:ALV) has a 3-Year Book Growth Rate of 6.80% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Allianz SE and its competitors. This is 77% above median its historical median of 3.85. According to the industry distribution chart, Allianz SE ranks #279 out of 479 companies in the Insurance industry, placing it in the top 58.2%.
Is Allianz SE's 3-Year Book Growth Rate too high?
Allianz SE's current 3-Year Book Growth Rate of 6.80% is 77% above median its 10-year median of 3.85. The Insurance industry median 3-Year Book Growth Rate is 8.50. Allianz SE's value of 6.80% is 20% below this industry median. Based on the distribution chart, Allianz SE ranks #279 out of 479 companies in the Insurance industry, which is below the industry midpoint. Overall, Allianz SE has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Allianz SE's 3-Year Book Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Allianz SE ranks #279 out of 479 companies for 3-Year Book Growth Rate. This places Allianz SE in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.50. Allianz SE's value of 6.80% is 20% below this benchmark. While the company's 10-year median is 3.85 vs. the industry median of 8.50, Allianz SE has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.50, based on 479 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Allianz SE's current 3-Year Book Growth Rate of 6.80% is 20% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Allianz SE and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz SE's current 3-Year Book Growth Rate is 6.80%, which is 77% above median its own 10-year median of 3.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz SE stock overvalued right now?
Allianz SE (XSWX:ALV) has a current 3-Year Book Growth Rate of 6.80%. The stock's GF Value™ is CHF354.95, compared to a current price of CHF405.20 — trading 14.2% above its estimated fair value. The current 3-Year Book Growth Rate is 6.80%, which is 77% above median its 10-year median of 3.85 and 20% below the Insurance industry median of 8.50. Allianz SE's overall GF Score™ is 83/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Allianz SE (XSWX:ALV), the current 3-Year Book Growth Rate is 6.80% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Allianz SE (XSWX:ALV) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz SE stock appears to be overvalued.
The current stock price of CHF405.20 is trading 14.2% above its estimated GF Value™ of CHF354.95.
Key valuation signals for XSWX:ALV:
3-Year Book Growth Rate: 6.80% (77% above median its 10-year median of 3.85)
GF Value™: CHF354.95 vs. price of CHF405.20 (14.2% above fair value)
Industry Position: 20% below the Insurance median (#279 of 479)
No single metric tells the full story. See the XSWX:ALV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz was founded as a transport and accident insurance firm in 1890 by Carl von Thieme and Wilhelm von Finck, the founders of Munich Re. It took the company five years to expand into Europe and North America and subsequently list in Berlin. After World War I, individuals were confronted with the loss of wealth, life, and security and Allianz founded a life business in the 1920s. In the years after World War II, Allianz's foreign assets were seized, and it lost its foreign business. By relocating its head office from Berlin to Munich in 1948, Allianz began the long road of rebuilding its domestic business. It took 20 years for the company to reacquire its prior foreign interests, starting in Austria. It became the largest European insurer in the postwar boom era.
83GF Score
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