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


XSWX:ALV Allianz SE XSWX:ALV
76 GF Score
Price CHF379.30
GF Value CHF302.52
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Allianz SE Expense Ratio %?

Allianz SE XSWX:ALV +0.13% 76 Expense Ratio % is 0.00% as of . 20. GuruFocus rates XSWX:ALV with a GF Score™ of 76/100 and a GF Value™ of CHF302.52 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It indicates the efficiency of the insurance company before considering its claims and investment gains or losses.

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

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

Allianz SE  (XSWX:ALV) Expense Ratio % Explanation

Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It can be used to make comparisons between insurance companies as well as measure their performance. An expense ratio below 100% suggests that the premiums an insurance company earned or wrote are more than the expenses it paid to support those premiums.

However, we should keep in mind that the ratio does not indicate an ending profitability. The overall profit is also influenced by the claims, investment gains or losses and other income. The ratio can be combined with Claims Ratio % and Combined Ratio % to get an overall performance of an insurance company.

Allianz SE Expense Ratio % Related Terms

Allianz SE Expense Ratio % Historical Data

* Premium members only.

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


XSWX:ALV
76GF Score
Allianz SE XSWX:ALV
Expense Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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Allianz SE  (XSWX:ALV) Expense Ratio % Calculation

Expense Ratio % is calculated as:

Expense Ratio %=Expenses of Acquiring, Underwriting and Servicing Premiums / Net Premium 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 Expense Ratio % of 0.00% mean?
Allianz SE (XSWX:ALV) has a Expense Ratio % of 0.00% as of . 20. Expense Ratio is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. View historical data on Allianz SE and its competitors.
Is Allianz SE's Expense Ratio % too high?
Allianz SE's current Expense Ratio % is 0.00%. 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 Expense Ratio % compare to BRK.A and AIG?
Allianz SE's Expense 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 Expense Ratio % for an Insurance company?
A good Expense Ratio % depends on the Insurance industry context. However, Expense 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 Expense Ratio % mean?
A high Expense Ratio % can signal that a stock is expensive relative to its fundamentals. Expense Ratio is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. View historical data on Allianz SE and its competitors. Allianz SE's current Expense 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?
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 Expense Ratio % 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 Expense Ratio % calculated?
Expense Ratio % is calculated from a company's financial statements. For Allianz SE (XSWX:ALV), the current Expense 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 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:

  • Expense Ratio %: 0.00%
  • GF Value™: CHF302.52 vs. price of CHF379.30 (25.4% above fair value)
  • GF Score™: 76/100 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.
76GF Score

Get the complete analysis for XSWX:ALV

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

CHF379.30
Price
CHF302.52
GF Value