What is the rating of Allianz stock?

📊 Allianz Stock Consensus Rating

The consensus analyst rating for Allianz SE stock is Neutral (or Hold), based on recent market evaluations.

🔎 Breakdown of Analyst Ratings

• 📈 Buy Recommendations: 6 analysts
• ➖ Hold / Neutral Recommendations: 7 analysts
• 📉 Sell Recommendations: 4 analysts

📌 Price Targets & Market Context

• Current Price: ~€418.10 EUR (Ticker: ALV.DE / ALIZF)
• Average 12-Month Target: €440.08 EUR
• Estimated Upside: ~3.5% upside from recent trading levels
• Recent Firm Actions: Berenberg and DZ Bank maintain Buy ratings, while Barclays and Morningstar lean toward Sell.

Allianz SE (ALV) is generally considered a solid, stable investment for income and value-focused investors, backed by a strong market position and solid financial performance.

Current Performance and Valuation

• Price & Trading Range: The stock trades around 445 EUR, near its 52-week high of 454.60 EUR, reflecting a strong one-year gain of nearly 28%.
• Valuation: Allianz trades at a price-to-earnings (P/E) ratio of about 14.4x to 14.5x, which is slightly above the wider insurance industry average but aligns closely with its underlying earnings power and fair value multiple.
• Analyst Consensus: Wall Street and institutional analysts maintain a general "Neutral" to moderate "Buy" consensus rating on Allianz SE Consensus Estimates on Investing.com, with an average 12-month price target pointing to modest further upside.

Strengths as an Investment

• Strong Dividends: Income-focused investors often favor Allianz for its attractive dividend yield (around 3.9%) paired with consistent share buyback programs.
• Diversified Business Model: Beyond traditional property-casualty and life insurance, Allianz benefits from massive asset management arms like PIMCO, providing multiple streams of resilient revenue.
• Operational Efficiency: The company continues to post robust operating profits and leverage technology to handle claims efficiently and stay ahead of inflation.

Risks to Consider

• Market and Economic Cycles: Underwriting margins remain exposed to broader macroeconomic factors, interest rate shifts, and severe weather or catastrophe loss events.
• Execution and Integration Risks: Ongoing regional expansions and acquisitions carry integration and regulatory watchpoints.

Allianz (ALV) has a consensus rating of Hold or Neutral among major market analysts.

Analyst Recommendations and Consensus

• Consensus Rating: Hold / Neutral
• Analyst Breakdown: Out of tracking analysts, roughly 6 recommend a buy, 7 suggest a hold, and 4 recommend a sell.
• Average Price Target: Around €440.08, showing a modest potential upside of roughly 3.5% to 5.7% from current trading levels near €425.
• Price Target Range: High estimates reach up to €684.00, while low estimates drop to €325.00.

Key Performance Factors

• Strengths: Strong performance in Life & Health insurance and asset management sectors have driven solid operating profits.
• Headwinds: Some property and casualty segments face softer momentum, and cautious stances or sell ratings from firms like Barclays reflect mixed near-term outlooks.
• Details: You can track consensus updates on platforms like Investing.com or review forecasts on MarketBeat.

Allianz's share price movements have been influenced by recent profit misses and broader macroeconomic pressures affecting European equities.

Key Factors Impacting Allianz Stock

• Restructuring and AI Costs: Allianz reported an 8.7% drop in second-quarter net profit due to heavy restructuring expenses (€643 million) aimed at decommissioning older IT systems and shifting toward AI-enabled workflows.
• Disappointing Guidance: Although Allianz SE posted a record operating profit for 2025, its flat guidance for 2026 (€17.4 billion) came in below analyst consensus expectations of €18.1 billion, signaling limited near-term growth momentum.
• Broader Market Pressures: European indices, including the DAX, have faced headwinds from ongoing trade and tariff pressures as well as fluctuating commodity prices, dragging down major regional financial stocks during broader market pullbacks.

Allianz SE is generally considered a strong dividend stock due to its attractive yield, consistent growth, and comfortable earnings payout ratio.

Key Dividend Strengths

• Solid Yield: Allianz offers a trailing dividend yield of roughly 4.1% to 4.4%, which outperforms both the broader market and many industry peers.
• Reliable Payout: The company maintains a healthy payout ratio of around 56% to 62% of earnings, meaning the dividend is well-covered by actual profits and strong cash flows.
• Growth Track Record: Management has steadily increased payments over time, raising the dividend to €17.10 per share (an 11% increase year-over-year) with a 10-year historical average growth rate of around 8% to 9% annually.

Risks to Consider

• Cyclical Exposure: As a major global insurer and financial services firm, its earnings can be impacted by severe market downturns, large natural catastrophe claims, currency volatility, and regulatory changes.
• Valuation: Depending on current market prices, some analytical services view the stock as slightly overvalued relative to its near-term fair value, which can temper total return expectations for new buyers.

You can review official investor announcements and details directly on the Allianz Dividend Information Page.