The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 16%. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (2 analysts) rates it strong buy, with a mean price target of $64. It reported earnings in this window, a natural checkpoint for the thesis.
Allianz SE ALIZY
Outside both standards
An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide.
read at $48.46
Allianz SE holds its Markup at $48.46.
- PHPhase · the trend structure carries the Markup label
- INInsiders · no filings inside 60 days, left as found
- POPositioning · no disclosures inside 60 days, left as found
- OPOptions · no verdict drawn today, left as found
- SCScreen · does not pass the values gate
- edge confirmed
- edge broken
- edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
The investor read · the season, not the day
| Phase | Markup |
| Quantitative state | Consolidating, no directional conviction, held for 14 days |
| Price | $48.46 |
| Valuation | 13.73 trailing · 12.66 forward price to earnings |
| Values screen | FAIL · score 30.0 |
| Beta | 0.66 |
The opportunity · what the numbers say it is worth
Our framework reads AVOID — it trades at roughly a 22% discount to our $59.17 fair value, moderate competitive moat, 8.80% revenue growth.
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Both our model and the analysts see meaningful upside from here.
| Revenue growth | 8.80% |
| Profit margin | 10.43% |
| Analyst consensus | Strong Buy · 2 covering |
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
The values screen, explained · five checks, plain English
This company is excluded by both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. It fails on both:
Used by most halal investing apps ✗ DOES NOT PASS
The one Titan applies ✗ DOES NOT PASS
Why it fails. The problem is its business activity. Because both standards agree on this, it is a clear exclusion, not a borderline case.
What these two standards are, and how they differ →
- Business activity Financial sector: insurance Fail
- Debt load Interest-bearing debt is just 0.0% of its assets, well under the one-third ceiling — it does not run on borrowed money. Pass
- Interest-bearing cash Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit. Pass
- Receivables Money owed to the company is 0.0% of assets, under the 49% limit. Pass
- Revenue purity Only 0.0% of revenue comes from non-compliant sources — under the 5% line. Pass
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
The business, in plain words · what the numbers mean
Insurance giant fails its ethical test
Picture a German insurer quietly writing policies on everything from factory fires to family savings across dozens of markets. Allianz looks steady on paper, yet we pass because it trips our ethical screen on core business activity. That single red flag overrides the rest of the profile.
The numbers show a moderate moat, 19 percent ROE, 9 percent revenue growth and a forward multiple of 12.4 times. Our own fair value sits 27 percent above the current price, and two analysts see upside to around 64 dollars. None of this moves the needle once the ethical screen is failed.
The real risk is not the cycle or the currency moves. It is that any exposure here clashes with the standards we apply to every name. Analysis, not advice.
| Forward P/E | 12.7x priced for continued growth |
| Trailing P/E | 13.7x reasonably valued |
| Revenue growth | 8.8% steady growth |
| Profit margin | 10.4% thin but positive margins |
| Return on equity | 18.7% a solid return on shareholder capital |
| Current ratio | 174.87 comfortably covers its short-term bills |
| Beta | 0.66 steadier than the market |
| Market cap | $183.8B |
| Employees | 138,378 |
The risks · The things to watch: its business and earnings are exposed to Germany and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Latest news · what the market is reading on ALIZY
- › Dili raises $21.7M to bring AI compliance to the infrastructure boom TechCrunch · 4d ago
- › Retirement Nightmare: 401(k) Savers Are Afraid To Spend Their Savings Investor's Business Daily · 4d ago
- › Private Credit Gets Cheaper in Europe as Redemptions Pressure US Bloomberg · 4d ago
- › HSBC to Divest Singapore Insurance Unit to Allianz for $2.09B Zacks · 6d ago
- › Why Economist Mohamed El-Erian Monitors South Korea, U.K. Bonds, and the Yen Barrons.com · 9d ago
Headlines from third-party outlets, linked for reference — not our reporting, not advice.
Related securities · others in ALIZY's space worth a look
Screened names in the same industry · explore each on its own page.
Where & how to trade · wherever in the world you are
ALIZY trades on PNK (the company is based in Germany). As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The trader read · the latest dated commentary
The dated journal · newest first, never edited
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 16%. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (2 analysts) rates it strong buy, with a mean price target of $64. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 0.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 16%. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (2 analysts) rates it strong buy, with a mean price target of $64. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 8.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 16%. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (2 analysts) rates it strong buy, with a mean price target of $64.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 16%. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (2 analysts) rates it strong buy, with a mean price target of $64.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 16%. Our forward projection puts the odds of a 10% gain over the next month near 18%. The street (2 analysts) rates it strong buy, with a mean price target of $64.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
What holding actually paid · price plus dividends
| Period | Price then | Price return | Divs per share | $1,000 became | Total return |
|---|---|---|---|---|---|
| 1 month | $43.52 | +1.2% | $1.96 | $1,057 | +5.7% |
| 2 months | $42.37 | +3.9% | $1.96 | $1,085 | +8.5% |
| 3 months | $38.56 | +14.2% | $1.96 | $1,193 | +19.3% |
| 6 months | $43.12 | +2.1% | $1.96 | $1,066 | +6.6% |
| 1 year | $38.00 | +15.9% | $1.96 | $1,210 | +21.0% |
| 2 years | $25.64 | +71.7% | $3.66 | $1,860 | +86.0% |
| 3 years | $19.45 | +126.4% | $5.16 | $2,529 | +152.9% |
| 5 years | $20.66 | +113.1% | $7.58 | $2,498 | +149.8% |
Historical returns from market close data. Past performance does not guarantee future results.