Allianz SETSX:ALZ 57 5-Year RORE % is 22.87 as of Mar. 2026. GuruFocus rates TSX:ALZ with a GF Score™ of 57/100 and a GF Value™ of C$25.31 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 451 Insurance companies, Allianz SE ranks better than 81.6% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Allianz SE's 5-Year RORE % for the quarter that ended in Mar. 2026 was 22.87%.
The industry rank for Allianz SE's 5-Year RORE % or its related term are showing as below:
TSX:ALZ's 5-Year RORE % is ranked better than 81.6% of 451
companies
in the Insurance industry
Industry Median: 11.54
vs TSX:ALZ: 22.87
Allianz SE (TSX:ALZ) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Allianz SE 5-Year RORE % Related Terms
Allianz SE 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Allianz SE's 5-Year RORE % 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.
TSX:ALZ vs BRK.A, AIG, HIG: 5-Year RORE % Comparison
For the Insurance - Diversified subindustry, Allianz SE's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz SE's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Allianz SE's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.
Allianz SE (TSX:ALZ) has a 5-Year RORE % of 22.87 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Allianz SE and its competitors. According to the industry distribution chart, Allianz SE ranks #83 out of 451 companies in the Insurance industry, placing it in the top 18.4%.
Is Allianz SE's 5-Year RORE % too high?
Allianz SE's current 5-Year RORE % is 22.87. The Insurance industry median 5-Year RORE % is 11.54. Allianz SE's value of 22.87 is 98.2% above this industry median. Based on the distribution chart, Allianz SE ranks #83 out of 451 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz SE has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Allianz SE's 5-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Allianz SE ranks #83 out of 451 companies for 5-Year RORE %. This places Allianz SE in the top 18% of its industry — outperforming the majority of peers. The industry median 5-Year RORE % is 11.54. Allianz SE's value of 22.87 is 98.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for an Insurance company?
The median 5-Year RORE % among Insurance companies is 11.54, based on 451 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Allianz SE's current 5-Year RORE % of 22.87 is 98.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Allianz SE and its competitors. For the Insurance industry, the median 5-Year RORE % is 11.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz SE's current 5-Year RORE % is 22.87. 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 (TSX:ALZ) is currently considered Modestly Overvalued. The stock's GF Value™ is C$25.31, compared to a current price of C$30.71 — trading 21.3% above its estimated fair value. The current 5-Year RORE % is 22.87 and 98.2% above the Insurance industry median of 11.54. Allianz SE's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Allianz SE (TSX:ALZ), the current 5-Year RORE % is 22.87 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 (TSX:ALZ) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz SE stock appears to be overvalued.
The current stock price of C$30.71 is trading 21.3% above its estimated GF Value™ of C$25.31.
GuruFocus considers Allianz SE to be Modestly Overvalued.
Key valuation signals for TSX:ALZ:
5-Year RORE %: 22.87
GF Value™: C$25.31 vs. price of C$30.71 (21.3% above fair value)
Industry Position: 98.2% above the Insurance median (#83 of 451)
No single metric tells the full story. See the TSX:ALZ 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.
57GF Score
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