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Allianz SE (1ALV) Fair Value & Analysis

Financial Services · IT · Market cap €159B

AS Allianz SE 1ALV · MI
Price€420.00
Fair Value€397.72
Upside-5.3%
Quality69/100
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Evidence: High Range €298.29 – €497.15

Fair value as of: Jul 3, 2026

From 20 valuation models · updated today

Share price +13.9% over the past month.

Price vs Fair Value (12 months)

€420.00 €320.56 Fair Value €397.72 Jul 2025 Jul 2026

12‑month range €320.56 – €420.00 · fair‑value band €298.29 – €497.15 · the €420.00 price screens above the €397.72 fair value. As of Jul 3, 2026.

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Analysis

Allianz SE (1ALV) currently trades at €420.00, while our model-based Fair Value estimate is €397.72 — implying the stock looks roughly 5.3% overvalued today. We read business quality at 69/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, Allianz SE generated revenue of €115B at a net margin of 10.4%. Revenue grew 8.8% year over year. It earns a return on equity of 18.7%. Net debt stands at €3.0B. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) €115B
Revenue growth (YoY) +8.8%
Net margin 10.4%
Return on equity 18.7%
Free cash flow €30.9B FY2025
P/E ratio 13.5
More key figures
Operating margin 19.3%
EPS (TTM) €30.95
EPS growth (YoY) +52.4%
Net debt €3.0B FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

About the company

Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company's Property-Casualty segment offers various insurance products, including motor liability, accident, fire and property, general liability, credit, and travel, and assistance services to private and corporate customers. Its Life/Health segment provides a range of life and health insurance products on an individual and a group basis, such as annuities, endowment and term insurance, and unit-linked and investment-oriented products, as well as private and supplemental health, and long-term care insurance products. The company's Asset Management segment offers institutional and retail asset management products and services to third-party investors comprising equity and fixed income funds, cash, and multi-assets; and alternative investment products that include real estate, infrastructure debt/equity, real assets, liquid …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Allianz SE reported revenue of €137B in FY2025 versus €119B in FY2021, a compound +3.7%/yr. Reported net income was €10.8B in FY2025, compounding +13.0%/yr from FY2021.

Revenue +3.7%/yr
FY21 €119B
FY22 €79.9B
FY23 €120B
FY24 €140B
FY25 €137B
Net income +13.0%/yr
FY21 €6.6B
FY22 €6.4B
FY23 €8.5B
FY24 €9.9B
FY25 €10.8B

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Recent news

External third-party headlines (Yahoo Finance, Reuters and others) — not an editorial selection, not financial advice.

Similar stocks

6 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).

Stock Price Fair Value vs Fair Value
Berkshire Hathaway Inc BRK C$35.75 C$28.29 -21%
Zurich Insurance Group ZURVY $36.15 $29.58 -18%
AXA SA 1CS €44.03 €67.43 +53%
Assicurazioni Generali S.p.A ARZGY $24.42 $19.59 -20%
Sun Life Financial Inc SLF $77.26 $61.63 -20%
American International Group AIGB34 R$394.65 R$91.86 -77%

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Frequently asked questions

Is Allianz SE (1ALV) undervalued?
As of Jul 3, 2026, our model estimates a fair value of €397.72 versus a price of €420.00 — about −5% (overvalued). Model-based estimate, not financial advice.
What is the fair value of 1ALV?
Our model-based fair value for Allianz SE is €397.72 (as of Jul 3, 2026), built from audited fundamentals. The current price is €420.00.
What is the quality score of 1ALV?
Allianz SE has a Quality Score of 69/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Allianz SE (1ALV)?
Allianz SE reported trailing-twelve-month revenue of about €115B (latest available figure, as of Jul 3, 2026).
What is the net profit margin of 1ALV?
The net profit margin of Allianz SE is about 10.4%, meaning it keeps roughly 10.4% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.