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STOCK COMPARISON

Allianz SE VNA O.N. vs Grupo Nacional Provincial S.A.B: Fair Value & Quality

Both stocks run through our valuation models. Here is how Allianz SE VNA O.N. (ALV) and Grupo Nacional Provincial S.A.B (GNP) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Grupo Nacional Provincial S.A.B as the less overvalued of the two: Allianz SE VNA O.N. trades at €413 versus a fair value of €242 (-41%), while Grupo Nacional Provincial S.A.B trades at MXN 102 versus MXN 91.42 (-10%).
Allianz SE VNA O.N.
ALV.XETRA · EUR · Financials
-41%
upside to fair value
overvalued
Price€413
Fair Value€242
Quality63/100
Grupo Nacional Provincial S.A.B
GNP.MX · MXN · Financials
-10%
upside to fair value
overvalued
PriceMXN 102
Fair ValueMXN 91.42
Quality42/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Allianz SE VNA O.N.Grupo Nacional Provincial S.A.B
Valuation
13.4×P/E (TTM)114.4×
1.53×P/S (TTM)0.23×
2.82×P/B1.17×
9.1×EV/EBITDA14.6×
2.93×PEG1.78×
−41.3%Fair value upside−10.2%
4.0%Dividend yield6.7%
Profitability
19%Operating margin1%
0.61×EBIT margin trend (5Y)11.22×
19%Return on equity1%
1%Return on assets0%
Growth
9%Revenue growth (YoY)-3%
3.1%Avg. growth/yr (3Y)12.3%
3.0%Avg. growth/yr (5Y)10.9%
+15.7%Value creation/yr−10.4%
Balance & size
20.4×Interest coverage (EBIT/interest)n/a
0.52×Debt / equityn/a
$177BMarket cap$2B
mixedGrowth qualitymixed

Grupo Nacional Provincial S.A.B leads: 5 to 8 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Allianz SE VNA O.N.of which business quality 57 · market factors 71 Grupo Nacional Provincial S.A.Bof which business quality 41 · market factors 47
ProfitabilityMargins and returns on capital today
30
20
Quality GrowthAre margins and returns improving?
46
47
CashflowEarnings quality: real cash, not paper profit
94
63
Fin. StrengthBalance sheet, leverage, solvency risk
10
3
InvestmentDisciplined investing over empire-building
87
55
Low VolatilityCalm price path (market factor)
90
100
MomentumPrice trend over the last 3–12 months (market factor)
63
32
52W MomentumDistance to the 52-week high (market factor)
64
10
Net IssuanceShare count: buybacks or dilution?
100
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyAllianz SE VNA O.N.Price €413Grupo Nacional Provincial S.A.BPrice MXN 102
Dividend Discount-50%below the price€208+37%above the priceMXN 140
Multiples-27%below the price€300-3%close to the priceMXN 98.49
Asset-Based-73%below the price€111-34%below the priceMXN 67.47
Economic Profit-44%below the price€230-16%below the priceMXN 85.55
Minimum-73%below the price€111-34%below the priceMXN 67.47
Maximum-27%below the price€300+37%above the priceMXN 140
Median-47%below the price€219-10%close to the priceMXN 92.02
Geometric mean-52%below the price€200-7%close to the priceMXN 94.45

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Allianz SE VNA O.N.: 6 of 6 models see the stock below the current price.

Grupo Nacional Provincial S.A.B: 3 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Allianz SE VNA O.N.
Price €413
Fair Value €242
Bear €194Bull €333
Grupo Nacional Provincial S.A.B
Price MXN 102
Fair Value MXN 91.42
Bear MXN 68.57Bull MXN 114

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Allianz SE VNA O.N. · Financials

Quality score63 · Top 25%
Fair value upside-41% · bottom 25%

Grupo Nacional Provincial S.A.B · Financials

Quality score42 · bottom 25%
Fair value upside-10% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Grupo Nacional Provincial S.A.B as the less overvalued of the two: Allianz SE VNA O.N. trades at €413 versus a fair value of €242 (-41%), while Grupo Nacional Provincial S.A.B trades at MXN 102 versus MXN 91.42 (-10%).

Allianz SE VNA O.N. has the higher quality score (63/100).

Open Grupo Nacional Provincial S.A.B live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.