Distribution of Revenues by Industry:

• Insurance: approx. 70%
• Asset Management: approx. 20%
• Other Financial Services: approx. 10%

TOP 3 Markets:

• Germany: approx. 30%
• USA: approx. 25%
• France: approx. 15%

Allianz SE generates the majority of its revenues from the insurance business, which represents the largest share of total revenue. This includes both life and property insurance. The asset management sector also contributes significantly, especially through subsidiaries such as PIMCO.

Germany remains the largest market for Allianz, followed by the USA and France. These markets are crucial for the company as they provide stable sources of income and have a strong customer base. The presence in these countries allows Allianz to benefit from different economic conditions and diversify risks.

Main production sites: Munich, Germany; Paris, France; Milan, Italy

Die Allianz SE ist primär ein Finanzdienstleistungsunternehmen und produziert keine physischen Produkte im traditionellen Sinne. Ihr Hauptfokus liegt auf Versicherungs- und Vermögensverwaltungsdienstleistungen. Die genannten Standorte beziehen sich auf wichtige Büros und Niederlassungen, die für die Erbringung dieser Dienstleistungen entscheidend sind.

In Munich befindet sich der Hauptsitz des Unternehmens, von wo aus viele strategische Entscheidungen und zentrale Dienstleistungen koordiniert werden. Paris und Milan sind ebenfalls bedeutende Standorte für die Allianz, da sie in diesen Märkten stark vertreten ist und dort wesentliche Teile ihrer Dienstleistungen anbietet.

Focus on Digitalization and Technology Investments
Expansion of Sustainable Insurance Products
Global Expansion into Emerging Markets

The Allianz SE is increasingly focusing on digitalization to make its processes more efficient and improve customer experience. This includes investments in new technologies and the optimization of digital platforms.

Another key focus is on expanding the range of sustainable insurance and financial products. Allianz is responding to the growing demand for environmentally friendly and socially responsible investments.

In addition, the company is pursuing a strategy of global expansion, particularly in emerging markets, to tap into new markets and leverage the growth potential in these regions.

Main raw materials: Paper, IT hardware, office supplies

Countries of origin: EU countries, USA, China

The Allianz SE is a financial services company mainly active in the insurance and asset management sectors. Therefore, Allianz SE does not import raw materials in the traditional sense like a manufacturing company.

However, Allianz SE requires materials such as paper, IT hardware, and general office supplies for its business operations. These materials are mainly sourced from the European Union, the USA, and China, as these regions are leading in the production of IT hardware and office supplies.

Allianz SE places great emphasis on sustainability and therefore also sources environmentally friendly materials wherever possible to support its sustainability goals.

Market share in Europe: 10% (estimated for 2025)
Combined Ratio: 94.1% (2024)
Solvency II Ratio: 210% (2024)

Allianz SE has a significant competitive advantage, which manifests itself through several factors. The market share of around 10% in Europe demonstrates the company's strong presence and leadership in the insurance industry.

A Combined Ratio of 94.1% indicates that Allianz operates efficiently and is able to keep its costs low in relation to premium income. This is an indicator of solid operational efficiency and profitability in the insurance business.

The Solvency II Ratio of 210% shows a strong capital base, making the company resilient to economic fluctuations and providing it with the ability to invest in new markets or make acquisitions. This financial stability and operational efficiency give Allianz SE a sustainable competitive advantage in the industry.

Institutional Investor Share: approx. 70% (estimated for 2025)

Insider Buys/Sells: No significant transactions in the last year (estimated for 2025)

The institutional investor share in Allianz SE traditionally stands at around 70%, indicating the trust of large investors in the company's stability and growth potential. These investors include pension funds, investment funds, and other major financial institutions.

Regarding insider transactions, there were no significant buys or sells in the last year, suggesting a stable confidence of the management in the company's future development. Such transactions are often seen as an indicator of the management's assessment of the company's performance.

Market Share Allianz SE: 9.5% (estimated, 2025)

Main Competitors and their Market Shares:

1. AXA SA: 8.7%
2. Zurich Insurance Group: 7.2%
3. Munich Re: 6.5%
4. Generali Group: 5.8%
5. Prudential plc: 4.9%
6. Chubb Limited: 4.5%
7. MetLife Inc.: 4.2%
8. Aviva plc: 3.9%
9. AIG: 3.5%
10. Swiss Re: 3.0%

Moat Allianz SE:

Allianz SE has a significant moat stemming from its global presence, strong brand recognition, and diversified product portfolio. Its ability to operate successfully in both life and non-life insurance sectors provides a competitive advantage. Additionally, Allianz benefits from its strong capital base and efficient risk management.

Compared to competitors, Allianz SE has one of the strongest moats, particularly due to its innovation capabilities and investments in digital technologies. While AXA and Zurich also possess strong brands and global networks, Allianz has a slight edge through its strategic focus on sustainable investments and digital transformation.

Other companies like Munich Re and Swiss Re also hold strong positions, but they are more specialized in reinsurance, giving them an advantage in that segment but an overall less diversified moat.

Revenue growth: 6.8% (2024)
Profit growth: 5.5% (2024)
Dividend yield: 5.2% (2024)

In 2024, Allianz SE recorded a revenue growth of 6.8%, which can be attributed to a strong performance in its core business areas. Profit growth stood at 5.5%, indicating efficient cost control and successful investments in digital technologies.

The dividend yield of 5.2% is attractive, especially for investors aiming for stable returns. Allianz has a long history of dividend payouts, indicating solid financial stability.

Additionally, the company has invested in strategic partnerships and digital transformation in recent years to strengthen its market position. These measures could lead to further growth and improved competitiveness in the long term.

Overall, Allianz SE demonstrates strong fundamental indicators and a strategic focus on sustainable growth. This could make the stock an attractive investment for long-term oriented investors.

Dividend Yield: 5.5% (estimated for 2025)
Dividend History: Continuous payout over the last 10 years

Allianz SE is known for its reliable dividend policy. The company has consistently distributed dividends in recent years, often increasing the payout. A dividend yield of around 5.5% is expected for 2025, based on current market forecasts and past payout policy.

Allianz SE has a strong financial base and solid earnings, which support the reliability of dividend payments. Therefore, investors can expect stable payouts in the future, provided no unforeseen economic events occur.