A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Allianz SE's Debt-to-Equity or its related term are showing as below:
XSWX:ALV'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.44 Med: 0.54 Max: 0.79
Current: 0.54
During the past 13 years, the highest Debt-to-Equity Ratio of Allianz SE was 0.79. The lowest was 0.44. And the median was 0.54.
XSWX:ALV's Debt-to-Equity is ranked worse than 80.3% of 406
companies
in the Insurance industry
Industry Median: 0.21
vs XSWX:ALV: 0.54
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Allianz SE Debt-to-Equity Related Terms
Allianz SE Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Allianz SE's Debt-to-Equity 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.
XSWX:ALV vs BRK.A, AIG, HIG: Debt-to-Equity Comparison
For the Insurance - Diversified subindustry, Allianz SE's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz SE's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Allianz SE's Debt-to-Equity falls into.
* 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 (XSWX:ALV) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Allianz SE and its competitors. Over the past decade, Allianz SE's Debt-to-Equity has ranged from 0.44 to 0.79. According to the industry distribution chart, Allianz SE ranks #326 out of 406 companies in the Insurance industry, placing it in the top 80.3%.
Is Allianz SE's Debt-to-Equity too high?
Allianz SE's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 0.79. Based on the distribution chart, Allianz SE ranks #326 out of 406 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Allianz SE has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Allianz SE's Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Allianz SE ranks #326 out of 406 companies for Debt-to-Equity. This places Allianz SE in the lower half of its industry. The industry median Debt-to-Equity is 0.21. Historically, Allianz SE's own Debt-to-Equity has ranged from 0.44 to 0.79 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Allianz SE and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz SE's current Debt-to-Equity 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?
Based on GuruFocus' analysis, Allianz SE (XSWX:ALV) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF302.52, compared to a current price of CHF379.30 — trading 25.4% above its estimated fair value. The current Debt-to-Equity is 0.00. Allianz SE's overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Allianz SE (XSWX:ALV), the current Debt-to-Equity is 0.00 as of Mar. 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 CHF379.30 is trading 25.4% above its estimated GF Value™ of CHF302.52.
GuruFocus considers Allianz SE to be Modestly Overvalued.
Key valuation signals for XSWX:ALV:
Debt-to-Equity: 0.00
GF Value™: CHF302.52 vs. price of CHF379.30 (25.4% above fair value)
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.
76GF Score
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