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BST/ALVE (BST/ALVE)

Stuttgart Stock Exchange: BST/ALVE · EUR

€43.2

+0.40 (+0.9%)· Recorded snapshot

Market cap	162.6B
Revenue (ttm)	119.4B
Net income (ttm)	11.6B
EPS (ttm)	€3.05
P/E (trailing)	14.2x
P/E (forward)	13.4x
Dividend	€1.19 (2.74%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 119.4B
Net income (ttm): 11.6B
EPS (ttm): €3.05
P/E (trailing): 14.2x
P/E (forward): 13.4x
Market cap: 162.6B

Metric	Value
Amount currency	EUR
Country	Germany
Country code	DE
Earnings date	2026-11-12
Employees	138,378
Employees change	-18,248
Employees growth	-11.65%
Enterprise value	EUR 172.7B
Exchange	Stuttgart Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-10-27
Fiscal year end	December
Founded	1890
Industry	Insurance - Diversified
Is primary listing	No
ISIN number	US0188201000
Last refreshed	2026-10-28
Market cap	EUR 162.6B
Next earnings date	2026-11-12
Price	EUR 43.20
Price currency	EUR
Sector	Financials
SIC code	6331
Stock price date	2026-10-27
Symbol	bst/ALVE
Website	https://www.allianz.com

Metric

Value

Amount currency

EUR

Country

Germany

Country code

Earnings date

2026-11-12

Employees

138,378

Employees change

-18,248

Employees growth

-11.65%

Enterprise value

EUR 172.7B

Exchange

Stuttgart Stock Exchange

Financial currency

EUR

Financial report date

2026-06-30

First seen

2026-10-27

Fiscal year end

December

Founded

1890

Industry

Insurance - Diversified

Is primary listing

ISIN number

US0188201000

Last refreshed

2026-10-28

Market cap

EUR 162.6B

Next earnings date

2026-11-12

Price

EUR 43.20

Price currency

EUR

Sector

Financials

SIC code

6331

Stock price date

2026-10-27

Symbol

bst/ALVE

Website

https://www.allianz.com

Metric	Value
Average P/E ratio (10Y)	11.88x
Average P/E ratio (3Y)	12.37x
Average P/E ratio (5Y)	12.82x
Earnings yield	7.06%
EV/Earnings	14.87x
EV/EBIT	8.51x
EV/EBITDA	7.91x
EV/FCF	6.2x
EV/Sales	1.45x
FCF / EV yield	16.14%
FCF yield	17.13%
Forward P/E	13.4x
Graham number	35.03064
Graham upside	-18.91%
Lynch fair value	EUR 18.56
Lynch upside	-57.05%
P/B ratio	2.44x
P/E ratio	14.17x
P/FCF ratio	5.84x
P/OCF ratio	5.42x
P/S ratio	1.36x
Price / tangible book value	4.01x
Price/EBITDA ratio	7.58x
Sector forward P/E	11.95x
Sector P/E	12.95x

Metric

Value

Average P/E ratio (10Y)

11.88x

Average P/E ratio (3Y)

12.37x

Average P/E ratio (5Y)

12.82x

Earnings yield

7.06%

EV/Earnings

14.87x

EV/EBIT

8.51x

EV/EBITDA

7.91x

EV/FCF

6.2x

EV/Sales

1.45x

FCF / EV yield

16.14%

FCF yield

17.13%

Forward P/E

13.4x

Graham number

35.03064

Graham upside

-18.91%

Lynch fair value

EUR 18.56

Lynch upside

-57.05%

P/B ratio

2.44x

P/E ratio

14.17x

P/FCF ratio

5.84x

P/OCF ratio

5.42x

P/S ratio

1.36x

Price / tangible book value

4.01x

Price/EBITDA ratio

7.58x

Sector forward P/E

11.95x

Sector P/E

12.95x

Metric	Value
EBIT margin	16.99%
EBITDA margin	17.97%
Effective tax rate	25.66%
FCF margin	23.33%
Gross margin	25.01%
Operating margin	16.99%
Pretax margin	14.03%
Profit margin	9.88%
Profit per employee	EUR 83,915
Profitable quarters	18
Profitable years	17
Revenue per employee	EUR 863,006
ROA	1.23%
ROA (5Y)	0.8%
ROCE	2.18%
ROE	19.61%
ROE (5Y)	13.47%
ROIC	17.77%
ROIC (5Y)	9.69%
Tax / revenue	3.6%

Metric

Value

EBIT margin

16.99%

EBITDA margin

17.97%

Effective tax rate

25.66%

FCF margin

23.33%

Gross margin

25.01%

Operating margin

16.99%

Pretax margin

14.03%

Profit margin

9.88%

Profit per employee

EUR 83,915

Profitable quarters

Profitable years

Revenue per employee

EUR 863,006

ROA

1.23%

ROA (5Y)

0.8%

ROCE

2.18%

ROE

19.61%

ROE (5Y)

13.47%

ROIC

17.77%

ROIC (5Y)

9.69%

Tax / revenue

3.6%

Metric	Value
EPS growth	16.93%
EPS growth (Q)	-7.99%
EPS growth (QoQ)	-32.37%
EPS growth 10Y	8.88%
EPS growth 3Y	14.31%
EPS growth 5Y	7.96%
EPS growth years	3
FCF growth	-20%
FCF growth 3Y	12.29%
FCF growth 5Y	-2.69%
Net income growth	15.57%
Net income growth (Q)	-8.66%
Net income growth (QoQ)	-33.77%
Net income growth 3Y	12.31%
Net income growth 5Y	6.02%
Net income growth years	3
OCF growth	-18.44%
OCF growth 10Y	1.72%
OCF growth 3Y	11.98%
OCF growth 5Y	-2.08%
Revenue growth	6.58%
Revenue growth (Q)	12.09%
Revenue growth (QoQ)	26.31%
Revenue growth 10Y	1.39%
Revenue growth 3Y	6.94%
Revenue growth 5Y	0.1%
Revenue growth quarters	5
Revenue growth years	3

Metric

Value

EPS growth

16.93%

EPS growth (Q)

-7.99%

EPS growth (QoQ)

-32.37%

EPS growth 10Y

8.88%

EPS growth 3Y

14.31%

EPS growth 5Y

7.96%

EPS growth years

FCF growth

-20%

FCF growth 3Y

12.29%

FCF growth 5Y

-2.69%

Net income growth

15.57%

Net income growth (Q)

-8.66%

Net income growth (QoQ)

-33.77%

Net income growth 3Y

12.31%

Net income growth 5Y

6.02%

Net income growth years

OCF growth

-18.44%

OCF growth 10Y

1.72%

OCF growth 3Y

11.98%

OCF growth 5Y

-2.08%

Revenue growth

6.58%

Revenue growth (Q)

12.09%

Revenue growth (QoQ)

26.31%

Revenue growth 10Y

1.39%

Revenue growth 3Y

6.94%

Revenue growth 5Y

0.1%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	EUR -2.1B
EBIT	EUR 20.3B
EBITDA	EUR 21.5B
EPS	EUR 3.05
Financing cash flow	EUR -11.7B
Free cash flow	EUR 27.9B
Gross profit	EUR 29.9B
Income taxes	EUR 4.3B
Investing cash flow	EUR -24.9B
Net borrowing	EUR -2.4B
Net cash flow	EUR -6.6B
Net income	EUR 11.6B
Operating income	EUR 20.3B
Revenue	EUR 119.4B

Metric

Value

Capital expenditures

EUR -2.1B

EBIT

EUR 20.3B

EBITDA

EUR 21.5B

EPS

EUR 3.05

Financing cash flow

EUR -11.7B

Free cash flow

EUR 27.9B

Gross profit

EUR 29.9B

Income taxes

EUR 4.3B

Investing cash flow

EUR -24.9B

Net borrowing

EUR -2.4B

Net cash flow

EUR -6.6B

Net income

EUR 11.6B

Operating income

EUR 20.3B

Revenue

EUR 119.4B

Metric	Value
Book value per share	EUR 166.33
Debt / EBITDA	1.54
Debt / equity	0.51
Debt / FCF	1.21
Goodwill	EUR 16.9B
Interest coverage	16.7
Net cash (debt)	EUR -6.4B
Net cash / market cap	-3.93%
Net debt / EBITDA	0.3
Net debt / equity	0.1
Net debt / FCF	0.23
Piotroski F-Score	6
Property, plant and equipment	EUR 6.6B
Shareholders' equity	EUR 66.6B
Tangible book value	EUR 40.5B
Tangible book value per share	EUR 107.27
Total assets	EUR 1.1T
Total cash	EUR 136B
Total debt	EUR 33.7B
Total liabilities	EUR 1T

Metric

Value

Book value per share

EUR 166.33

Debt / EBITDA

1.54

Debt / equity

0.51

Debt / FCF

1.21

Goodwill

EUR 16.9B

Interest coverage

16.7

Net cash (debt)

EUR -6.4B

Net cash / market cap

-3.93%

Net debt / EBITDA

0.3

Net debt / equity

0.1

Net debt / FCF

0.23

Piotroski F-Score

Property, plant and equipment

EUR 6.6B

Shareholders' equity

EUR 66.6B

Tangible book value

EUR 40.5B

Tangible book value per share

EUR 107.27

Total assets

EUR 1.1T

Total cash

EUR 136B

Total debt

EUR 33.7B

Total liabilities

EUR 1T

Metric	Value
Asset turnover	0.12
Current ratio	1.51
Net working capital	EUR 46.1B
Quick ratio	1.07
Working capital	EUR 72.3B

Metric

Value

Asset turnover

0.12

Current ratio

1.51

Net working capital

EUR 46.1B

Quick ratio

1.07

Working capital

EUR 72.3B

Metric	Value
Buyback yield / dilution	1.5%
Dividend growth	13.51%
Dividend growth (3Y)	14.46%
Dividend growth (5Y)	11.98%
Dividend growth years	5
Dividend payment date	2026-05-27
Dividend payment years	7
Dividend payout frequency	Annual
Dividend per share	EUR 1.19
Dividend yield	2.74%
Ex-dividend date	2026-05-11
Last dividend	EUR 1.19
Payout ratio	54.83%
Shareholder yield	4.24%

Metric

Value

Buyback yield / dilution

1.5%

Dividend growth

13.51%

Dividend growth (3Y)

14.46%

Dividend growth (5Y)

11.98%

Dividend growth years

Dividend payment date

2026-05-27

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

EUR 1.19

Dividend yield

2.74%

Ex-dividend date

2026-05-11

Last dividend

EUR 1.19

Payout ratio

54.83%

Shareholder yield

4.24%

Metric	Value
150-day SMA	EUR 40.94
1D price change	0.93%
1M price change	1.89%
1M total return	1.89%
1W price change	1.89%
1W total return	1.89%
1Y price change	24.86%
1Y return CAGR	28.9%
1Y total return	28.88%
20-day SMA	EUR 42.25
200-day SMA	EUR 39.84
3M price change	2.37%
3M total return	2.37%
3Y price change	101.87%
3Y return CAGR	30.69%
3Y total return	123.27%
50-day SMA	EUR 43.25
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 45.40
52-week high date	2026-08-26
52-week low	EUR 33.20
52-week low date	2026-03-09
5Y price change	117.09%
5Y return CAGR	20.88%
5Y total return	158.01%
6M price change	11.34%
6M total return	14.93%
All-time high	EUR 45.40
All-time high date	2026-08-26
All-time low	EUR 11.60
All-time low date	2020-03-19
Average true range (ATR)	EUR 0.86
Average volume	1.3
Change from 52-week high	-4.85%
Change from 52-week low	30.12%
Change from all-time high	-4.85%
Change from all-time low	272.41%
Change from open	0.93%
Day's gap	0%
High price	EUR 43.40
Low price	EUR 42.60
Monthly RSI	66.99
Open price	EUR 42.80
Position in 52-week range	75%
Previous close	EUR 42.80
Price vs 150-day SMA	5.51%
Price vs 20-day SMA	2.25%
Price vs 200-day SMA	8.45%
Price vs 50-day SMA	-0.11%
RSI	54.8
Sharpe ratio	1.83
Sharpe ratio (3Y)	1.11
Sortino ratio	3.6
Sortino ratio (3Y)	1.93
Weekly RSI	60.19
YTD price change	13.09%
YTD total return	16.73%

Metric

Value

150-day SMA

EUR 40.94

1D price change

0.93%

1M price change

1.89%

1M total return

1.89%

1W price change

1.89%

1W total return

1.89%

1Y price change

24.86%

1Y return CAGR

28.9%

1Y total return

28.88%

20-day SMA

EUR 42.25

200-day SMA

EUR 39.84

3M price change

2.37%

3M total return

2.37%

3Y price change

101.87%

3Y return CAGR

30.69%

3Y total return

123.27%

50-day SMA

EUR 43.25

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 45.40

52-week high date

2026-08-26

52-week low

EUR 33.20

52-week low date

2026-03-09

5Y price change

117.09%

5Y return CAGR

20.88%

5Y total return

158.01%

6M price change

11.34%

6M total return

14.93%

All-time high

EUR 45.40

All-time high date

2026-08-26

All-time low

EUR 11.60

All-time low date

2020-03-19

Average true range (ATR)

EUR 0.86

Average volume

1.3

Change from 52-week high

-4.85%

Change from 52-week low

30.12%

Change from all-time high

-4.85%

Change from all-time low

272.41%

Change from open

0.93%

Day's gap

High price

EUR 43.40

Low price

EUR 42.60

Monthly RSI

66.99

Open price

EUR 42.80

Position in 52-week range

75%

Previous close

EUR 42.80

Price vs 150-day SMA

5.51%

Price vs 20-day SMA

2.25%

Price vs 200-day SMA

8.45%

Price vs 50-day SMA

-0.11%

RSI

54.8

Sharpe ratio

1.83

Sharpe ratio (3Y)

1.11

Sortino ratio

3.6

Sortino ratio (3Y)

1.93

Weekly RSI

60.19

YTD price change

13.09%

YTD total return

16.73%

Metric	Value
Float	373.9M
Shares change (QoQ)	-1.11%
Shares change (YoY)	-1.5%
Shares held by insiders	0.02%
Shares held by institutions	35.93%

Metric

Value

Float

373.9M

Shares change (QoQ)

-1.11%

Shares change (YoY)

-1.5%

Shares held by insiders

0.02%

Shares held by institutions

35.93%

BST/ALVE (BST/ALVE)

Price

Financial snapshot

Fair-value bridge

Latest news · BST/ALVE

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BST/ALVE indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BST/ALVE

Frequently asked questions