Allianz SE (XSWX:ALV) Combined 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 Combined Ratio %?

Allianz SE XSWX:ALV 83 Combined 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.

Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.

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

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

Allianz SE  (XSWX:ALV) Combined Ratio % Explanation

Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.

Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.

Allianz SE Combined Ratio % Related Terms

Allianz SE Combined Ratio % Historical Data

* Premium members only.

The historical data trend for Allianz SE's Combined 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 Combined Ratio % Chart


XSWX:ALV
83GF Score
Allianz SE XSWX:ALV
Combined Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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Allianz SE  (XSWX:ALV) Combined Ratio % Calculation

Combined Ratio % is calculated as:

Combined Ratio %=( Incurred Losses + Expenses ) / Earned Premium * 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 Combined Ratio % of 0.00% mean?
Allianz SE (XSWX:ALV) has a Combined Ratio % of 0.00% as of . 20. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Allianz SE and its competitors.
Is Allianz SE's Combined Ratio % too high?
Allianz SE's current Combined 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 Combined Ratio % compare to BRK.A and AIG?
Allianz SE's Combined 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 Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined 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 Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Allianz SE and its competitors. Allianz SE's current Combined 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 Combined 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 Combined 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 Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For Allianz SE (XSWX:ALV), the current Combined 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:

  • Combined 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

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

CHF405.20
Price
CHF354.95
GF Value