Allianz SE (XSWX:ALV) Claims Ratio %: 0.00% (As of . 20)

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XSWX:ALV Allianz SE XSWX:ALV
83 GF Score
Price CHF405.20
GF Value CHF354.95
! 6 Warning Signs
View Full Analysis

What is Allianz SE Claims Ratio %?

Allianz SE XSWX:ALV 83 Claims Ratio % is 0.00% as of . 20. 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.

Claims Ratio % is the percentage of claims costs incurred in relation to the premiums earned.

The historical rank and industry rank for Allianz SE's Claims Ratio % or its related term are showing as below:

XSWX:ALV's Claims Ratio % is not ranked *
in the Insurance industry.
Industry Median:
* Ranked among companies with meaningful Claims Ratio % only.

Allianz SE  (XSWX:ALV) Claims Ratio % Explanation

Claims Ratio % the percentage of claims costs incurred in relation to the premiums earned during the period. It is the equivalent of gross profit margin for an insurance company.

It's important to note that insurance is the business of managing risks and, to do that well, the insurer needs a thorough understanding of the incurred claims ratio. If the value is higher than expected or above established norms, then further investigation is required to figure out why that is (eg: fraud). If it is lower than expected, it could indicate irrelevant products or difficulties in claiming, possibly affecting customer satisfaction.

Allianz SE Claims Ratio % Related Terms

Allianz SE Claims Ratio % Historical Data

* Premium members only.

The historical data trend for Allianz SE's Claims Ratio % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Allianz SE Claims Ratio % Chart


XSWX:ALV
83GF Score
Allianz SE XSWX:ALV
Claims Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Allianz SE  (XSWX:ALV) Claims Ratio % Calculation

Claims Ratio % is calculated as

Claims Ratio %=Total Claims / Total Premiums Earned * 100%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions
What does a Claims Ratio % of 0.00% mean?
Allianz SE (XSWX:ALV) has a Claims Ratio % of 0.00% as of . 20. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on Allianz SE and its competitors.
Is Allianz SE's Claims Ratio % too high?
Allianz SE's current Claims Ratio % is 0.00%. 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 Claims Ratio % compare to BRK.A and AIG?
Allianz SE's Claims Ratio % of 0.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Claims Ratio % for an Insurance company?
A good Claims Ratio % depends on the Insurance industry context. However, Claims Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Claims Ratio % mean?
A high Claims Ratio % can signal that a stock is expensive relative to its fundamentals. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on Allianz SE and its competitors. Allianz SE's current Claims Ratio % is 0.00%. 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 Claims Ratio % of 0.00%. 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 Claims Ratio % is 0.00%. 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 Claims Ratio % calculated?
Claims Ratio % is calculated from a company's financial statements. For Allianz SE (XSWX:ALV), the current Claims Ratio % is 0.00% as of . 20. 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:

  • Claims Ratio %: 0.00%
  • GF Value™: CHF354.95 vs. price of CHF405.20 (14.2% above fair value)
  • GF Score™: 83/100 with 6 warning signs

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 SE Business Description

Address Koniginstrasse 28, Munich, BY, DEU, 80802
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

Get the complete analysis for XSWX:ALV

Claims Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF405.20
Price
CHF354.95
GF Value