Allianz SE (ALIZY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Allianz SE (ALIZY) trades at $48.02 with AI Score 53/100 (Grade B). Allianz SE is a global financial services company offering a range of insurance and asset management products. Market cap: $182.59B, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026ALIZY stock analysis for 2026: Analysts have set a consensus price target of $64.15 for Allianz SE, suggesting 33.6% upside from the current price of $48.02. The AI MoonshotScore is 53/100, indicating a neutral outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
ALIZY: 4/7 perspectives are bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →Allianz SE (ALIZY) Financial Services Profile
Allianz SE is a multinational financial services provider, offering diversified insurance and asset management solutions. With a strong global presence and a history dating back to 1890, Allianz leverages its extensive network and brand recognition to serve a wide range of clients, maintaining a robust position in the competitive insurance sector.
What Is the Investment Thesis for ALIZY?
Allianz SE presents a compelling investment case based on its diversified business model and global presence. With a market capitalization of $182.59B and a P/E ratio of 11.8, the company demonstrates financial stability and profitability. A dividend yield of 4.35% offers an attractive income stream for investors. Key growth catalysts include the expansion of its asset management segment and the increasing demand for insurance products in emerging markets. However, potential risks include regulatory changes and economic downturns that could impact insurance premiums and investment returns. The company's beta of 0.65 suggests lower volatility compared to the overall market, making it a potentially stable investment option.
Based on FMP financials and quantitative analysis
ALIZY Key Highlights
- Market capitalization of $182.59B, reflecting its significant size and market presence in the financial services industry.
- P/E ratio of 11.8, indicating a reasonable valuation compared to its earnings.
- Profit margin of 7.8%, demonstrating its ability to generate profits from its operations.
- Gross margin of 83.0%, showcasing efficient cost management in its insurance and asset management businesses.
- Dividend yield of 4.35%, providing an attractive income stream for investors.
Who Are ALIZY's Competitors?
ALIZY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ARZGF Assicurazioni Generali S.p.A. | $48.00 | +0.00% | $71.81B | 62 |
| ARZGY Assicurazioni Generali S.p.A. | $24.60 | +0.94% | $73.70B | 53 |
| AXAHF AXA S.A. | $50.75 | +0.95% | $104.32B | 56 |
| AXAHY AXA S.A. | $50.64 | +0.99% | $104.09B | 56 |
| IAFNF iA Financial Corporation Inc. | $143.70 | +13.44% | $12.83B | 56 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ALIZY's Key Strengths?
- Global brand recognition and strong market position.
- Diversified business model across insurance and asset management.
- Extensive distribution network and partnerships.
- Strong financial performance and capital base.
What Are ALIZY's Weaknesses?
- Exposure to regulatory changes and economic downturns.
- Complexity of operations due to global presence.
- Potential for large claims impacting profitability.
- Dependence on investment performance for asset management revenues.
What Could Drive ALIZY Stock Higher?
- Expansion of asset management services into new markets, increasing AUM and fee income.
- Digital transformation initiatives improving operational efficiency and customer experience.
- Potential acquisitions of smaller insurance companies to expand market share by Q4 2026.
- Increasing demand for insurance products in emerging economies.
- Launch of new sustainable investment products in Q2 2026, attracting ESG-focused investors.
What Are the Key Risks for ALIZY?
- Financial-distress signal — its Altman Z-Score of 0.33 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes impacting insurance premiums and capital requirements.
- Economic downturns reducing demand for insurance and asset management services.
- Exposure to natural disasters and large claims impacting profitability.
- Cybersecurity breaches and data privacy concerns.
- Fluctuations in interest rates and investment market volatility.
What Are the Growth Opportunities for ALIZY?
- Expansion in Emerging Markets: Allianz has the opportunity to expand its presence in emerging markets, where insurance penetration rates are relatively low. By tailoring its products and services to the specific needs of these markets, Allianz can tap into a significant growth potential. The emerging markets insurance sector is projected to grow at a rate of 6-8% annually over the next five years, offering substantial opportunities for Allianz to increase its market share and revenue.
- Digital Transformation: Investing in digital technologies can enhance Allianz's operational efficiency, improve customer experience, and drive innovation. By leveraging data analytics and artificial intelligence, Allianz can personalize its offerings and optimize its pricing strategies. The digital transformation of the insurance industry is expected to create $1 trillion in value over the next decade, providing Allianz with a significant competitive advantage.
- Asset Management Growth: Allianz's asset management segment has the potential to grow by expanding its product offerings and targeting new client segments. By developing innovative investment solutions and leveraging its global distribution network, Allianz can attract more institutional and retail investors. The global asset management industry is projected to reach $150 trillion by 2028, offering substantial growth opportunities for Allianz.
- Strategic Partnerships: Forming strategic partnerships with other companies can enable Allianz to expand its reach and offer complementary products and services. By collaborating with technology companies, healthcare providers, and other financial institutions, Allianz can create new value propositions for its customers. Strategic partnerships are expected to drive innovation and growth in the insurance industry, providing Allianz with a competitive edge.
- Sustainability Initiatives: Integrating sustainability into its business practices can enhance Allianz's brand reputation and attract environmentally conscious customers. By offering green insurance products and investing in renewable energy projects, Allianz can align its business with the growing demand for sustainable solutions. The sustainable investing market is projected to reach $50 trillion by 2025, offering Allianz a significant opportunity to differentiate itself and attract new customers.
What Opportunities Does ALIZY Have?
- Expansion in emerging markets with high growth potential.
- Digital transformation to enhance efficiency and customer experience.
- Development of innovative insurance and investment products.
- Strategic partnerships to expand reach and capabilities.
What Threats Does ALIZY Face?
- Intense competition from other global and regional players.
- Increasing frequency and severity of natural disasters.
- Changes in interest rates and investment market volatility.
- Cybersecurity risks and data breaches.
What Are ALIZY's Competitive Advantages?
- Strong brand reputation and global presence, built over more than a century.
- Diversified business model across insurance and asset management.
- Extensive distribution network and partnerships.
- Significant scale and financial strength.
- Expertise in risk management and underwriting.
What Does ALIZY Do?
Founded in 1890 in Munich, Germany, Allianz SE has evolved into one of the world's leading integrated financial services providers. The company's initial focus was on property and accident insurance. Over the decades, Allianz expanded its offerings to include life and health insurance, as well as asset management services. This diversification strategy has enabled Allianz to establish a strong global presence, serving both individual and corporate clients across various markets. Today, Allianz operates through three primary segments: Property-Casualty, Life/Health, and Asset Management. The Property-Casualty segment offers a comprehensive suite of insurance products, including motor, accident, liability, and property coverage. The Life/Health segment provides life insurance, health insurance, and retirement solutions. The Asset Management segment delivers investment management services to institutional and retail clients. Allianz's commitment to innovation and customer service has solidified its position as a trusted financial partner worldwide. The company's extensive network and diversified product portfolio contribute to its resilience and long-term growth potential.
What Products and Services Does ALIZY Offer?
- Provides property-casualty insurance to individuals and businesses.
- Offers life and health insurance products, including annuities and long-term care insurance.
- Manages assets for institutional and retail clients through equity, fixed income, and alternative investment funds.
- Offers banking services for retail clients.
- Provides digital investment services.
- Provides credit and travel insurance to private and corporate customers.
How Does ALIZY Make Money?
- Generates revenue from insurance premiums paid by policyholders.
- Earns investment income from managing assets on behalf of clients.
- Collects fees for asset management services provided to institutional and retail investors.
- Derives income from banking services and digital investment platforms.
What Industry Does ALIZY Operate In?
Allianz SE operates in the highly competitive financial services industry, which is characterized by evolving regulatory landscapes and changing consumer preferences. The global insurance market is experiencing growth, driven by increasing awareness of risk management and the rising demand for retirement solutions. Allianz competes with other major players such as AXAHY and ARZGY, as well as smaller regional insurers. The asset management industry is also growing, fueled by the increasing demand for investment products and services. Allianz's diversified business model and global presence position it well to capitalize on these market trends.
Who Are ALIZY's Key Customers?
- Individual policyholders seeking property-casualty and life/health insurance.
- Corporate clients requiring insurance coverage for their assets and liabilities.
- Institutional investors seeking asset management services.
- Retail investors looking for investment products and solutions.
- Retail clients using banking services.
Allianz SE Financial Trajectory
Allianz SE (ALIZY) reported $31.07B in revenue for Q1 2026, a decline of 18.3% compared to the prior quarter. The company recorded net income of $3.69B, with diluted EPS of $0.96. Revenue has contracted over three consecutive quarters, which investors in this large-cap Financial Services stock should monitor closely. Across the four most recent quarters, ALIZY averaged $0.77 in diluted EPS.
Company Profile
Allianz SE operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Munich, DE. The company is led by CEO Oliver Bate. ALIZY has traded publicly since 2000.
How Allianz SE Is Valued
Allianz SE carries a market capitalization of $182.59B, placing it in the large-cap category. Relative to its peer group, ALIZY's quantitative score of 53/100 is roughly in line with the peer average of 57/100.
ROE 20%Key Financial Metrics
Return on equity for Allianz SE stands at 19.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. ALIZY trades at a trailing price-to-earnings ratio of 11.78, below the Financial Services sector average of ~18x. Its free cash flow yield is 24.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
Allianz SE's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.33 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Allianz SE revenue of about $194.71B for fiscal 2026, with EPS near $3.56.
ALIZY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Allianz's long-term growth prospects, indicating that key executives believe in the company's future.
- Community sentiment has shifted positively, with many discussions highlighting Allianz's strong market position and robust product offerings.
- Analysts are increasingly optimistic about Allianz's ability to navigate economic challenges, especially with its diversified portfolio.
- Recent strategic partnerships have been well-received, enhancing Allianz's reputation and potential for future growth.
Bear Case
- Some market participants express concerns over potential regulatory changes that could impact Allianz's operations and profitability.
- Recent discussions in the community reveal skepticism about Allianz's ability to adapt quickly to emerging market trends and consumer preferences.
- There is a prevailing sentiment that Allianz may face increased competition, which could pressure margins and market share.
- Economic uncertainties have led some to question Allianz's resilience, with fears of potential downturns affecting overall performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $31.07B | $3.69B | $0.96 |
| Q4 2025 | $38.01B | $2.66B | $0.70 |
| Q3 2025 | $39.78B | $2.85B | $0.74 |
| Q2 2025 | $33.09B | $2.84B | $0.70 |
Based on FMP financials and quantitative analysis
ALIZY Latest News
-
Why Is Redwire Stock Falling On Thursday?
benzinga · Jun 25, 2026
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SpaceX Bond Deal Signals Market 'Bubble,' Allianz Exec Warns: Elon Musk Got '$70 Billion Of Funny Money'
benzinga · Jun 25, 2026
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Allianz: $125 Billion in Vessel and Cargo Value Awaits Passage From the Persian Gulf
Yahoo! Finance: ALIZY News · Jun 24, 2026
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Around $125 Billion of Vessels, Cargo Remain Stranded in Persian Gulf, Allianz Says
wsj.com · Jun 24, 2026
ALIZY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ALIZY.
Price Targets
Consensus target: $64.15
ALIZY MoonshotScore
What does this score mean?
The MoonshotScore rates ALIZY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Why Is Redwire Stock Falling On Thursday?
SpaceX Bond Deal Signals Market 'Bubble,' Allianz Exec Warns: Elon Musk Got '$70 Billion Of Funny Money'
Allianz: $125 Billion in Vessel and Cargo Value Awaits Passage From the Persian Gulf
Around $125 Billion of Vessels, Cargo Remain Stranded in Persian Gulf, Allianz Says
Leadership: Oliver Bate
Chief Executive Officer
Oliver Bäte has served as the Chief Executive Officer of Allianz SE since May 2015. Prior to this role, he held various leadership positions within Allianz, including Chief Operating Officer and Chief Financial Officer. Bäte has a background in business administration and economics, with degrees from the University of Cologne and New York University. His extensive experience in the insurance and financial services industries has equipped him with a deep understanding of the challenges and opportunities facing Allianz.
Track Record: Under Bäte's leadership, Allianz has focused on digital transformation, customer centricity, and sustainable growth. He has overseen the implementation of strategic initiatives aimed at improving operational efficiency, enhancing customer experience, and expanding the company's presence in emerging markets. Bäte has also emphasized the importance of sustainability, integrating environmental, social, and governance (ESG) factors into Allianz's business practices.
Allianz SE ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company trading on U.S. stock exchanges. ALIZY functions as a Level 1 ADR, meaning it trades over-the-counter (OTC) without needing to meet the strict listing requirements of exchanges like the NYSE or NASDAQ. This allows U.S. investors to invest in Allianz SE more easily.
- Home Market Ticker: XETRA, Germany
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: ALIZ
ALIZY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market, indicating that ALIZY has limited regulatory oversight and disclosure requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies on this tier may not be required to file regular financial reports with the SEC, leading to less transparency for investors. Investing in companies on the OTC Other tier carries higher risks due to the limited information available and the potential for fraud or manipulation.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and disclosure requirements.
- Potential for fraud or manipulation due to lack of transparency.
- Low trading volume and liquidity constraints.
- Wider bid-ask spreads increasing transaction costs.
- Higher price volatility compared to exchange-listed stocks.
- Verify the company's registration and legal status.
- Assess the availability and reliability of financial information.
- Research the company's management team and their track record.
- Evaluate the company's business model and competitive landscape.
- Analyze the company's financial statements and key performance indicators.
- Check for any regulatory actions or legal disputes involving the company.
- Understand the risks associated with investing in OTC securities.
- Established history as a global financial services provider.
- Strong brand reputation and market position.
- Compliance with regulatory requirements in its home market (Germany).
- Availability of financial information from reputable sources.
- Presence of institutional investors holding shares of the company.
Allianz SE Financial Services Stock: Key Questions Answered
What does Allianz SE do?
Allianz SE is a global financial services company that provides a wide range of insurance and asset management products and services. Its core business includes property-casualty insurance, life/health insurance, and asset management for both institutional and retail clients. The company offers various insurance products, such as motor, accident, liability, and property coverage, as well as life insurance, health insurance, and retirement solutions. Allianz also manages assets for third-party investors through equity and fixed income funds, and alternative investment products.
What do analysts say about ALIZY stock?
Analyst consensus on ALIZY stock reflects a generally positive outlook, driven by the company's diversified business model and global presence. Key valuation metrics, such as the P/E ratio of 11.8 and the dividend yield of 4.35%, suggest a reasonable valuation and attractive income stream. Growth considerations include the expansion of asset management services, digital transformation initiatives, and increasing demand for insurance products in emerging markets. However, analysts also acknowledge potential risks, such as regulatory changes and economic downturns, that could impact the company's performance.
What are the main risks for ALIZY?
The main risks for ALIZY include regulatory changes that could impact insurance premiums and capital requirements, as well as economic downturns that could reduce demand for insurance and asset management services. The company is also exposed to natural disasters and large claims, which could negatively impact profitability. Cybersecurity breaches and data privacy concerns pose another risk, as they could damage the company's reputation and result in financial losses. Additionally, fluctuations in interest rates and investment market volatility could affect the performance of Allianz's asset management business.
What regulatory challenges does Allianz SE face?
Allianz SE, operating in the financial services sector, faces a complex and evolving regulatory environment. Capital requirements, such as Solvency II in Europe, dictate the amount of capital insurers must hold to cover their risks, impacting profitability and capital allocation strategies. Compliance costs associated with regulations like GDPR for data protection and anti-money laundering (AML) laws add to operational expenses. Changes in insurance regulations, both locally and globally, can affect product offerings, pricing, and market access, requiring Allianz to adapt its business strategies continuously.
How does Allianz SE make money in financial services?
Allianz SE generates revenue through several key channels within the financial services sector. A primary source is insurance premiums collected from policyholders across its property-casualty and life/health segments. Investment income, derived from managing a vast portfolio of assets, contributes significantly to earnings. Fee income from asset management services, offered to both institutional and retail clients, provides a stable revenue stream. Additionally, Allianz earns revenue from banking services and digital investment platforms, diversifying its income sources within the financial services landscape.
What are the key factors to evaluate for ALIZY?
Allianz SE (ALIZY) holds an AI score of 53/100 (moderate). P/E: 11.8x vs the S&P 500's ~20-25x. Analysts target $64.15 (+34%). Not financial advice.
How frequently does ALIZY data refresh on this page?
ALIZY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ALIZY's recent stock price performance?
Allianz SE (ALIZY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Global brand recognition and strong market position. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for ALIZY. This dossier is based on available data and may be subject to change.