Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Allianz SE's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was CHF659 Mil. Allianz SE's average total debt for the quarter that ended in Mar. 2026 was CHF32,916 Mil. Therefore, Allianz SE's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 2.00%.
Allianz SE (XSWX:ALV) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Allianz SE Effective Interest Rate on Debt % Related Terms
Allianz SE Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for Allianz SE's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
XSWX:ALV vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison
For the Insurance - Diversified subindustry, Allianz SE's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz SE's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Allianz SE's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 2.00% mean?
Allianz SE (XSWX:ALV) has a Effective Interest Rate on Debt % of 2.00% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Allianz SE and its competitors.
Is Allianz SE's Effective Interest Rate on Debt % too high?
Allianz SE's current Effective Interest Rate on Debt % is 2.00%. 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 Effective Interest Rate on Debt % compare to BRK.A and AIG?
Allianz SE's Effective Interest Rate on Debt % of 2.00% 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 Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Allianz SE and its competitors. Allianz SE's current Effective Interest Rate on Debt % is 2.00%. 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 Effective Interest Rate on Debt % is 2.00%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Allianz SE (XSWX:ALV), the current Effective Interest Rate on Debt % is 2.00% 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:
Effective Interest Rate on Debt %: 2.00%
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
Get the complete analysis for XSWX:ALV
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:ALV has been successfully added to your 
