Allianz SE (ALIZF)
ValueMarkers Composite Index
60% below intrinsic value ($998)
Allianz SE (ALIZF) — VMCI valuation read
Allianz SE (ALIZF) carries a VMCI composite of 63/100, 13 points above the Financial Services sector median of 50. Among mid-cap names, that gap places ALIZF in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The ALIZF insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads ALIZF trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of 1.6x is the rate-sensitivity line to watch, the line to track on Allianz SE's next 10-Q.
ALIZF fell 1.9% over the trailing 7 days, with a -5.6% read on a 30-day basis.
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 and own damage, accident, general liability, fire and property, legal expense, credit, and travel 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, and multi-assets; and alternative investment products comprising infrastructure debt/equity, real assets, liquid alternatives, and solutions. Its Corporate and Other segment provides banking services for retail clients, as well as digital investment services. Allianz SE was founded in 1890 and is headquartered in Munich, Germany.
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