ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis
FRA:ALG - Deutsche Boerse Ag - DE0006569403 - Common Stock - Currency: EUR
Overall ALG gets a fundamental rating of 4 out of 10. We evaluated ALG against 50 industry peers in the Financial Services industry. ALG has a medium profitability rating, but doesn't score so well on its financial health evaluation. ALG has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year ALG was profitable.
ALG had a positive operating cash flow in the past year.
ALG had positive earnings in each of the past 5 years.
In multiple years ALG reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of 2.70%, ALG perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 17.80%, ALG is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
ALG has a Return On Invested Capital of 2.49%. This is comparable to the rest of the industry: ALG outperforms 44.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ALG is significantly below the industry average of 11.59%.
The last Return On Invested Capital (2.49%) for ALG is above the 3 year average (1.80%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.7% | ||
| ROE | 17.8% | ||
| ROIC | 2.49% |
ROA(3y)1.71%
ROA(5y)1.22%
ROE(3y)12.05%
ROE(5y)9.1%
ROIC(3y)1.8%
ROIC(5y)1.39%
1.3 Margins
With a decent Profit Margin value of 18.91%, ALG is doing good in the industry, outperforming 68.00% of the companies in the same industry.
ALG's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 17.35%, ALG is in line with its industry, outperforming 60.00% of the companies in the same industry.
ALG's Operating Margin has improved in the last couple of years.
ALG has a better Gross Margin (78.88%) than 70.00% of its industry peers.
In the last couple of years the Gross Margin of ALG has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.35% | ||
| PM (TTM) | 18.91% | ||
| GM | 78.88% |
OM growth 3Y58.5%
OM growth 5Y6.35%
PM growth 3Y59.06%
PM growth 5Y24.25%
GM growth 3Y0%
GM growth 5Y-0.89%
2. Health
2.1 Basic Checks
ALG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
ALG has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, ALG has more shares outstanding
Compared to 1 year ago, ALG has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.49, we must say that ALG is in the distress zone and has some risk of bankruptcy.
ALG's Altman-Z score of 0.49 is on the low side compared to the rest of the industry. ALG is outperformed by 72.00% of its industry peers.
The Debt to FCF ratio of ALG is 45.21, which is on the high side as it means it would take ALG, 45.21 years of fcf income to pay off all of its debts.
ALG's Debt to FCF ratio of 45.21 is on the low side compared to the rest of the industry. ALG is outperformed by 68.00% of its industry peers.
ALG has a Debt/Equity ratio of 3.39. This is a high value indicating a heavy dependency on external financing.
ALG has a Debt to Equity ratio of 3.39. This is amonst the worse of the industry: ALG underperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.39 | ||
| Debt/FCF | 45.21 | ||
| Altman-Z | 0.49 |
ROIC/WACC0.7
WACC3.55%
2.3 Liquidity
ALG has a Current Ratio of 1.09. This is a normal value and indicates that ALG is financially healthy and should not expect problems in meeting its short term obligations.
ALG has a Current ratio (1.09) which is in line with its industry peers.
A Quick Ratio of 1.09 indicates that ALG should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.09, ALG perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
ALG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.38%, which is quite impressive.
Measured over the past years, ALG shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.96% on average per year.
ALG shows a decrease in Revenue. In the last year, the revenue decreased by -7.40%.
Measured over the past years, ALG shows a small growth in Revenue. The Revenue has been growing by 4.06% on average per year.
EPS 1Y (TTM)39.38%
EPS 3Y69.84%
EPS 5Y25.96%
EPS Q2Q%99.43%
Revenue 1Y (TTM)-7.4%
Revenue growth 3Y6.76%
Revenue growth 5Y4.06%
Sales Q2Q%-28.85%
3.2 Future
Based on estimates for the next years, ALG will show a small growth in Earnings Per Share. The EPS will grow by 2.15% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y0%
EPS Next 2Y2.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.27, the valuation of ALG can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ALG indicates a somewhat cheap valuation: ALG is cheaper than 70.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of ALG to the average of the S&P500 Index (26.34), we can say ALG is valued rather cheaply.
ALG is valuated reasonably with a Price/Forward Earnings ratio of 11.97.
Based on the Price/Forward Earnings ratio, ALG is valued a bit cheaper than the industry average as 62.00% of the companies are valued more expensively.
ALG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 11.97 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ALG is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, ALG is valued a bit cheaper than the industry average as 62.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.04 | ||
| EV/EBITDA | 30.93 |
4.3 Compensation for Growth
ALG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y2.15%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.24%, ALG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.82, ALG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, ALG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
5.2 History
The dividend of ALG has a limited annual growth rate of 5.99%.
Dividend Growth(5Y)5.99%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
26.91% of the earnings are spent on dividend by ALG. This is a low number and sustainable payout ratio.
ALG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP26.91%
EPS Next 2Y2.15%
EPS Next 3YN/A
FRA:ALG (6/17/2025, 7:00:00 PM)
2.78
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners80.38%
Ins Owner ChangeN/A
Market Cap58.94M
Analysts45.71
Price Target2.96 (6.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
Yearly Dividend0.08
Dividend Growth(5Y)5.99%
DP26.91%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 11.97 | ||
| P/S | 1.77 | ||
| P/FCF | 15.04 | ||
| P/OCF | 14.94 | ||
| P/B | 1.66 | ||
| P/tB | 2.7 | ||
| EV/EBITDA | 30.93 |
EPS(TTM)0.3
EY10.79%
EPS(NY)0.23
Fwd EY8.36%
FCF(TTM)0.18
FCFY6.65%
OCF(TTM)0.19
OCFY6.7%
SpS1.57
BVpS1.67
TBVpS1.03
PEG (NY)N/A
PEG (5Y)0.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.7% | ||
| ROE | 17.8% | ||
| ROCE | 3.54% | ||
| ROIC | 2.49% | ||
| ROICexc | 2.6% | ||
| ROICexgc | 2.85% | ||
| OM | 17.35% | ||
| PM (TTM) | 18.91% | ||
| GM | 78.88% | ||
| FCFM | 11.76% |
ROA(3y)1.71%
ROA(5y)1.22%
ROE(3y)12.05%
ROE(5y)9.1%
ROIC(3y)1.8%
ROIC(5y)1.39%
ROICexc(3y)1.93%
ROICexc(5y)1.5%
ROICexgc(3y)2.14%
ROICexgc(5y)1.66%
ROCE(3y)2.55%
ROCE(5y)1.97%
ROICexcg growth 3Y62.47%
ROICexcg growth 5Y8.25%
ROICexc growth 3Y63.12%
ROICexc growth 5Y8.54%
OM growth 3Y58.5%
OM growth 5Y6.35%
PM growth 3Y59.06%
PM growth 5Y24.25%
GM growth 3Y0%
GM growth 5Y-0.89%
F-Score5
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.39 | ||
| Debt/FCF | 45.21 | ||
| Debt/EBITDA | 16.21 | ||
| Cap/Depr | 1.65% | ||
| Cap/Sales | 0.08% | ||
| Interest Coverage | 28.48 | ||
| Cash Conversion | 53.22% | ||
| Profit Quality | 62.18% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | 0.49 |
F-Score5
WACC3.55%
ROIC/WACC0.7
Cap/Depr(3y)4.26%
Cap/Depr(5y)10.48%
Cap/Sales(3y)0.25%
Cap/Sales(5y)0.68%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)39.38%
EPS 3Y69.84%
EPS 5Y25.96%
EPS Q2Q%99.43%
EPS Next Y0%
EPS Next 2Y2.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.4%
Revenue growth 3Y6.76%
Revenue growth 5Y4.06%
Sales Q2Q%-28.85%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y26.24%
EBIT growth 3Y69.22%
EBIT growth 5Y10.66%
EBIT Next Year31.14%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-77.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-77.2%
OCF growth 3YN/A
OCF growth 5YN/A