Allianz SE v 🇺🇸
ALV.DE • Consumer Cyclical • USA
⚡ 76.0/100
Wide Moat Score™
$453.0
+0.0% (24H)
Fundamental Snapshot • Market Cap: $50B
PEG Ratio
1.2x
EXPANDED
Forward P/E
14.5x
GROWTH FAIR
Revenue Growth YoY
+12.1%
MODERATE
Gross Margin
25.0%
MODERATE
Free Cash Flow
$9.3B
CASH FORTRESS
Debt / EBITDA
1.6x
SOLVENT BALANCE
📊 Proprietary 12-Point Fundamental Audit
| Audit Dimension | Benchmark Criterion | ALV.DE Actual | Evaluation |
|---|---|---|---|
| 1. Economic Moat Strength | Software lock-in / high switching barrier / patent moat | Moat Score 76.0/100 | ✅ WIDE MOAT |
| 2. Pricing Power & Margins | Gross Margin > 40% sustainable | 25.0% Gross Margin | ⚠️ MODERATE |
| 3. Revenue Acceleration | YoY Top-Line Growth > 15% | +12.1% YoY | ⚠️ IN-LINE |
| 4. Peter Lynch PEG Ratio | PEG < 1.2x (Growth at a Reasonable Price) | 1.2x PEG Ratio | ⚠️ ELEVATED |
| 5. Fortress Balance Sheet | Debt / EBITDA < 2.5x | 1.6x Net Leverage | ✅ PASSED |
| 6. Free Cash Flow Generation | Positive and compounding FCF | $9.3B Free Cash Flow | ✅ PASSED |
| 7. Multiple vs Sector Median | Forward P/E reasonable vs earnings growth | Forward P/E: 14.5x | ✅ ATTRACTIVE MULTIPLE |
| 8. Management & Insider Ownership | Insider Ownership > 3% | 8.5% Insider Equity | ✅ ALIGNED |
| 9. Superinvestor Whale Backing | Held by Top 25 13F Wall St Whales | Institutional Superinvestor Interest | ℹ️ SCREENED |
| 10. Secular Industry Tailwinds | Exposure to multi-year compound themes | Consumer Cyclical sector expansion | ✅ PASSED |
| 11. Trailing P/E Multiple | Historical earnings multiple sanity | Trailing P/E: 14.9x | ✅ PASSED |
| 12. Overall Moat Conviction | Composite algorithmic evaluation | Overall Score: 76.0/100 | ✅ HIGH CONVICTION |
📝 MoatPicks Investment Thesis
Competitive Moat Breakdown: High-quality compounder passing 8/9 fundamental checks. Strong balance sheet with Forward PER compression (14.5x vs 14.9x) and robust Free Cash Flow generation.
Valuation Verdict: Trading at a Forward P/E of 14.5x and PEG ratio of 1.2x, Allianz SE v satisfies core fundamental screens for quality and durability.