Allianz SE (ALV.DE) stock analysis

In our weekly check, Allianz SE is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 4, red flags: 2.

About Allianz SE

Allianz SE is a Financial Services company (Insurance - Diversified) based in Germany, listed on XETRA as ALV.DE.

What our checks show for ALV.DE

Red flags

• The stock has fallen as much as 74% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 8.5 years.

Warning signs

• Analysts expect the net margin to shrink by 1.5 points from today's 7.8%.
• The net margin is only 7.8%: little room if costs rise.
• Thinly traded (about 496 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 7.8%.

Strengths

• The net margin rose by 2.3 points over 5 years, to 7.8%.
• Operating cash flow is 3.08x net profit: the profit arrives as real cash.
• Revenue grew 19.9% a year over the last 3 years.
• Earnings per share grew 22.5% a year over the last 3 years.
• Net profit grew 18.8% a year over the last 3 years.
• Free cash flow is 22.9% of revenue: cash for dividends, buybacks or growth.

Next earnings report: 2026-11-12

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Questions

What grade does Allianz SE (ALV.DE) have?

In our weekly check, Allianz SE is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 4, red flags: 2. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of ALV.DE stock?

This week's biggest flags for Allianz SE: Deep past fall, Slow recovery after falls, Margins expected to shrink. In total 6 of 25 checks show a warning or a red flag.

What does Allianz SE do?

Allianz SE is a Financial Services company (Insurance - Diversified) based in Germany, listed on XETRA as ALV.DE.

When does Allianz SE report earnings next?

The next earnings report is expected on 2026-11-12. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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