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STOCK COMPARISON

Allianz SE VNA O.N. vs Interlife General Insurance S.A.: Fair Value & Quality

Both stocks run through our valuation models. Here is how Allianz SE VNA O.N. (ALV) and Interlife General Insurance S.A. (INLIF) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Interlife General Insurance S.A. as the less overvalued of the two: Allianz SE VNA O.N. trades at €419 versus a fair value of €242 (-42%), while Interlife General Insurance S.A. trades at €7.58 versus €5.71 (-25%).
Allianz SE VNA O.N.
ALV.XETRA · EUR · Financials
-42%
upside to fair value
overvalued
Price€419
Fair Value€242
Quality63/100
Interlife General Insurance S.A.
INLIF.AT · EUR · Financials
-25%
upside to fair value
overvalued
Price€7.58
Fair Value€5.71
Quality71/100
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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.Interlife General Insurance S.A.
Valuation
13.5×P/E (TTM)31.6×
1.56×P/S (TTM)n/a
2.86×P/Bn/a
9.3×EV/EBITDAn/a
2.93×PEGn/a
−42.2%Fair value upside−24.7%
4.0%Dividend yield1.7%
€17.10Dividend per sharen/a
Profitability
19%Operating margin19%
0.61×EBIT margin trend (5Y)n/a
19%Return on equity18%
1%Return on assets4%
Growth
9%Revenue growth (YoY)10%
3.1%Avg. growth/yr (3Y)16.1%
3.0%Avg. growth/yr (5Y)n/a
+15.7%Value creation/yr−4.4%
Balance & size
20.4×Interest coverage (EBIT/interest)n/a
0.52×Debt / equityn/a
$180BMarket cap$159M
mixedGrowth qualitymixed

Even match: 3 to 3 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 54 · market factors 72 Interlife General Insurance S.A.of which business quality 66 · market factors 81
ProfitabilityMargins and returns on capital today
30
40
Quality GrowthAre margins and returns improving?
46
99
CashflowEarnings quality: real cash, not paper profit
94
57
Fin. StrengthBalance sheet, leverage, solvency risk
10
62
InvestmentDisciplined investing over empire-building
87
78
Low VolatilityCalm price path (market factor)
90
87
MomentumPrice trend over the last 3–12 months (market factor)
64
71
52W MomentumDistance to the 52-week high (market factor)
67
93
Net IssuanceShare count: buybacks or dilution?
80
83

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 €419Interlife General Insurance S.A.Price €7.58
Dividend Discount-50%below the price€208-82%below the price€1.37
Multiples-28%below the price€300+29%above the price€9.79
Asset-Based-74%below the price€111-37%below the price€4.75
Economic Profit-45%below the price€230-20%below the price€6.05
Minimum-74%below the price€111-82%below the price€1.37
Maximum-28%below the price€300+29%above the price€9.79
Median-48%below the price€219-29%below the price€5.40
Geometric mean-52%below the price€200-42%below the price€4.43

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.

Interlife General Insurance S.A.: 4 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 €419
Fair Value €242
Bear €194Bull €333
Interlife General Insurance S.A.
Price €7.58
Fair Value €5.71
Bear €5.41Bull €6.13

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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-42% · bottom 25%

Interlife General Insurance S.A. · Financials

Quality score71 · Top 25%
Fair value upside-25% · below median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Interlife General Insurance S.A. as the less overvalued of the two: Allianz SE VNA O.N. trades at €419 versus a fair value of €242 (-42%), while Interlife General Insurance S.A. trades at €7.58 versus €5.71 (-25%).

Interlife General Insurance S.A. has the higher quality score (71/100).

Open Interlife General Insurance S.A. live analysis →
Allianz SE VNA O.N. · Interlife General Insurance S.A.

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