Allianz SE

Allianz SE has a liquidity position that is characterized by a medium risk level, with a cash and equivalents balance of 28.37 billion EUR and a long-term debt of 62.34 billion EUR. The company's debt-to-equity ratio is 1.04, indicating a relatively balanced capital structure. However, the company's net cash position is negative after subtracting total debt, which could pose a liquidity risk if not managed effectively.

In terms of profitability, Allianz SE's return on equity (ROE) is 4.13%, and its return on assets (ROA) is 0.25%. These figures are below the industry median for multiline insurance companies, suggesting that the company is underperforming in terms of capital efficiency and asset utilization. The operating income of 3.69 billion EUR and net income of 2.48 billion EUR indicate a healthy profit margin, but the ROE and ROA figures suggest that the company is not leveraging its equity and assets as effectively as its peers.

Allianz SE's revenue is diversified across multiple segments and geographic regions. The company operates in insurance, asset management, and banking, with a global presence. However, the exact revenue concentration by segment and region is not disclosed in the available data, making it difficult to assess the company's exposure to specific markets or product lines.

The company's growth trajectory is expected to be modest, with no specific numeric deltas provided for the current or next fiscal year. The operating income and net income figures suggest a stable performance, but the ROE and ROA figures indicate that the company may need to improve its capital efficiency to drive higher returns. The company's ability to grow will depend on its capacity to manage its debt and improve its asset utilization.

The risk assessment for Allianz SE highlights a medium liquidity risk and a low dilution risk. The company's net cash position is negative after subtracting total debt, which could affect its ability to meet short-term obligations. However, the dilution risk is low, indicating that the company is not expected to issue additional shares in the near term. The company's capital structure and liquidity position are key areas to monitor for potential risks.

Recent events and filings for Allianz SE include analyst estimates for price targets and recommendations. The mean price target is 402.92 EUR, with a median of 400.00 EUR, and the high and low price targets are 504.00 EUR and 325.00 EUR, respectively. The mean recommendation is 2.41, with 4 strong-buy, 7 buy, and 9 hold ratings. These analyst estimates suggest a generally positive outlook for the company, but the wide range of price targets indicates some uncertainty among analysts.

Operating income +17,3% YoY; Net income +15,3% YoY.

• ▍Operating income +17,3% YoY
• ▍Net income +15,3% YoY

Operating income +6,2% YoY; Net income −2,1% YoY.

• ▍Operating income +6,2% YoY
• ▍Net income −2,1% YoY

Operating income €3.56B.

• ▍Operating income €3.56B

Operating income €3.69B.

• ▍Operating income €3.69B

Operating income +1 557,0% YoY; Net income +8,5% YoY.

• ▍Operating income +1 557,0% YoY
• ▍Net income +8,5% YoY
• ▍Free cash flow −1,2% YoY

Operating income −85,7% YoY; Net income +16,3% YoY.

• ▍Operating income −85,7% YoY
• ▍Net income +16,3% YoY
• ▍Free cash flow +12,4% YoY

Operating income −88,5% YoY; Net income +33,0% YoY.

• ▍Operating income −88,5% YoY
• ▍Net income +33,0% YoY
• ▍Free cash flow +51,8% YoY

Operating income +643,0% YoY; Net income −2,7% YoY.

• ▍Operating income +643,0% YoY
• ▍Net income −2,7% YoY
• ▍Free cash flow −23,7% YoY

Operating income €6.21B.

• ▍Operating income €6.21B