Allianz SE

ALIZF

Insurance - Diversified · Financial Services

Price

$508.63

+0.45 (+0.09%)

Market Cap

$193.40B

Exchange

Other OTC

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 9, 2026 · filings through Mar 31, 2026

Share count falling — buybacks

−8.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 411.7M (2021) → 376.6M (2025)

Allianz SE is one of the world's largest insurance and financial services companies, headquartered in Munich, Germany. It sells insurance products — including car, home, life, and health insurance — to individuals and businesses in over 70 countries. It also runs PIMCO and Allianz Global Investors, two major asset management businesses that manage money for large institutions and everyday investors.

Allianz makes money by collecting insurance premiums from customers and investing those funds, as well as charging fees to manage roughly €1.7 trillion in third-party assets through its investment divisions. The company operates primarily across Europe, North America, and Asia-Pacific, and its massive scale gives it a cost and diversification advantage over smaller rivals. The key growth driver is expanding its asset management and life insurance businesses in Asia, while the main risk is large-scale natural disasters or economic downturns that could trigger unusually high insurance claims and pressure investment returns.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+15.4% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+54.5% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.3%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$27.5B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Allianz SE is a rare growth stock that's already generating positive cash flow while growing at 15%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

79.9%

Premium pricing power — 79.9% gross margin

Operating Margin

16.5%

Healthy — 16.5% operating margin

ROCE

7.8%

Weak — 7.8% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+58.0%

Fast-growing sales (+58.0% YoY)

EPS YoY

+25.3%

Earnings growing fast (+25.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

16.4x

Fair value — P/E 16.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+4.5

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (16.4 → 11.9)

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Dividends

Dividend Yield

3.95%

Moderate income — 3.95% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+48.9%

Dividend growing fast (48.9% YoY)

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