Allianz SE (XSWX:ALV) Financial Strength: 5 (As of Jun. 2026) — Near Median

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Director of Data and Quant Analytics at GuruFocus
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XSWX:ALV Allianz SE XSWX:ALV
83 GF Score
Price CHF405.20
GF Value CHF354.95
! 6 Warning Signs
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What is Allianz SE Financial Strength?

Allianz SE XSWX:ALV 83 Financial Strength is 5 as of Jun. 2026, which is at its 10-year median of 5.00. 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.

Allianz SE has the Financial Strength Rank of 5.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Allianz SE's interest coverage with the available data. Allianz SE's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.17. Altman Z-Score does not apply to banks and insurance companies.

Allianz SE  (XSWX:ALV) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Allianz SE has the Financial Strength Rank of 5.

Allianz SE Financial Strength Related Terms

XSWX:ALV
83GF Score
Allianz SE XSWX:ALV
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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Allianz SE Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Allianz SE's Interest Expense for the months ended in Jun. 2026 was CHF0 Mil. Its Operating Income for the months ended in Jun. 2026 was CHF0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was CHF31,038 Mil.

Allianz SE's Interest Coverage for the quarter that ended in Jun. 2026 is

GuruFocus does not calculate Allianz SE's interest coverage with the available data.

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Allianz SE's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 31038.256) / 187614.496
=0.17

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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 Learn more about Financial Strength →
What does a Financial Strength of 5 mean?
Allianz SE (XSWX:ALV) has a Financial Strength of 5 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Allianz SE and its competitors. This is near median its historical median of 5.00. Over the past decade, Allianz SE's Financial Strength has ranged from 2.00 to 7.00.
Is Allianz SE's Financial Strength too high?
Allianz SE's current Financial Strength of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 7.00. 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 Financial Strength compare to BRK.A and AIG?
Allianz SE's Financial Strength of 5 can be compared against companies in the Insurance industry. Historically, Allianz SE's own Financial Strength has ranged from 2.00 to 7.00 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 Financial Strength for an Insurance company?
A good Financial Strength depends on the Insurance industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Allianz SE and its competitors. Allianz SE's current Financial Strength is 5, which is near median its own 10-year median of 5.00. 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 Financial Strength of 5. 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 Financial Strength is 5, which is near median its 10-year median of 5.00. 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 Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Allianz SE (XSWX:ALV), the current Financial Strength is 5 as of Jun. 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 CHF405.20 is trading 14.2% above its estimated GF Value™ of CHF354.95.

Key valuation signals for XSWX:ALV:

  • Financial Strength: 5 (near median its 10-year median of 5.00)
  • 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

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

CHF405.20
Price
CHF354.95
GF Value