ALBIS LEASING AG (ALG.DE) Fundamental Analysis & Valuation

FRA:ALG • DE0006569403

Current stock price

2.84 EUR
-0.08 (-2.74%)
Last:

This ALG.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ALG.DE Profitability Analysis

1.1 Basic Checks

  • In the past year ALG was profitable.
  • In the past year ALG had a positive cash flow from operations.
  • In the past 5 years ALG has always been profitable.
  • In multiple years ALG reported negative operating cash flow during the last 5 years.
ALG.DE Yearly Net Income VS EBIT VS OCF VS FCFALG.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M

1.2 Ratios

  • ALG's Return On Assets of 2.67% is in line compared to the rest of the industry. ALG outperforms 59.62% of its industry peers.
  • ALG has a better Return On Equity (16.52%) than 78.85% of its industry peers.
  • ALG has a Return On Invested Capital (2.52%) which is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for ALG is significantly below the industry average of 9.16%.
  • The last Return On Invested Capital (2.52%) for ALG is above the 3 year average (1.80%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.67%
ROE 16.52%
ROIC 2.52%
ROA(3y)1.71%
ROA(5y)1.22%
ROE(3y)12.05%
ROE(5y)9.1%
ROIC(3y)1.8%
ROIC(5y)1.39%
ALG.DE Yearly ROA, ROE, ROICALG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • ALG has a better Profit Margin (21.10%) than 78.85% of its industry peers.
  • In the last couple of years the Profit Margin of ALG has grown nicely.
  • With a decent Operating Margin value of 19.31%, ALG is doing good in the industry, outperforming 67.31% of the companies in the same industry.
  • ALG's Operating Margin has improved in the last couple of years.
  • With an excellent Gross Margin value of 85.92%, ALG belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
  • ALG's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 19.31%
PM (TTM) 21.1%
GM 85.92%
OM growth 3Y58.5%
OM growth 5Y6.35%
PM growth 3Y59.06%
PM growth 5Y24.25%
GM growth 3Y0%
GM growth 5Y-0.89%
ALG.DE Yearly Profit, Operating, Gross MarginsALG.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. ALG.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ALG is destroying value.
  • The number of shares outstanding for ALG remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for ALG has been increased compared to 5 years ago.
  • The debt/assets ratio for ALG has been reduced compared to a year ago.
ALG.DE Yearly Shares OutstandingALG.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
ALG.DE Yearly Total Debt VS Total AssetsALG.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

  • ALG has an Altman-Z score of 0.45. This is a bad value and indicates that ALG is not financially healthy and even has some risk of bankruptcy.
  • ALG has a worse Altman-Z score (0.45) than 63.46% of its industry peers.
  • ALG has a debt to FCF ratio of 83.48. This is a negative value and a sign of low solvency as ALG would need 83.48 years to pay back of all of its debts.
  • ALG has a Debt to FCF ratio of 83.48. This is in the lower half of the industry: ALG underperforms 61.54% of its industry peers.
  • A Debt/Equity ratio of 3.02 is on the high side and indicates that ALG has dependencies on debt financing.
  • ALG's Debt to Equity ratio of 3.02 is on the low side compared to the rest of the industry. ALG is outperformed by 73.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.02
Debt/FCF 83.48
Altman-Z 0.45
ROIC/WACC0.68
WACC3.7%
ALG.DE Yearly LT Debt VS Equity VS FCFALG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

2.3 Liquidity

  • ALG has a Current Ratio of 0.99. This is a bad value and indicates that ALG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.99, ALG is doing worse than 65.38% of the companies in the same industry.
  • A Quick Ratio of 0.99 indicates that ALG may have some problems paying its short term obligations.
  • ALG's Quick ratio of 0.99 is on the low side compared to the rest of the industry. ALG is outperformed by 65.38% of its industry peers.
Industry RankSector Rank
Current Ratio 0.99
Quick Ratio 0.99
ALG.DE Yearly Current Assets VS Current LiabilitesALG.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. ALG.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 40.60% over the past year.
  • 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.
  • The Revenue for ALG has decreased by -23.72% in the past year. This is quite bad
  • The Revenue has been growing slightly by 4.06% on average over the past years.
EPS 1Y (TTM)40.6%
EPS 3Y69.84%
EPS 5Y25.96%
EPS Q2Q%-2.14%
Revenue 1Y (TTM)-23.72%
Revenue growth 3Y6.76%
Revenue growth 5Y4.06%
Sales Q2Q%-18.81%

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 2.82% on average per year.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y4.35%
EPS Next 2Y6.32%
EPS Next 3Y2.82%
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.
ALG.DE Yearly Revenue VS EstimatesALG.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
ALG.DE Yearly EPS VS EstimatesALG.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0.05 0.1 0.15 0.2 0.25

More info and screens

Find the best growth stocksShow best growing peers

5

4. ALG.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.79, the valuation of ALG can be described as very reasonable.
  • ALG's Price/Earnings ratio is a bit cheaper when compared to the industry. ALG is cheaper than 73.08% of the companies in the same industry.
  • ALG is valuated cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 10.81, the valuation of ALG can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, ALG is valued a bit cheaper than the industry average as 71.15% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, ALG is valued a bit cheaper.
Industry RankSector Rank
PE 9.79
Fwd PE 10.81
ALG.DE Price Earnings VS Forward Price EarningsALG.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as ALG.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as ALG.
Industry RankSector Rank
P/FCF 28.48
EV/EBITDA 32.97
ALG.DE Per share dataALG.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ALG does not grow enough to justify the current Price/Earnings ratio.
  • ALG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.25
PEG (5Y)0.38
EPS Next 2Y6.32%
EPS Next 3Y2.82%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ALG.DE Dividend Analysis

5.1 Amount

  • ALG has a Yearly Dividend Yield of 3.36%.
  • Compared to an average industry Dividend Yield of 2.39, ALG pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, ALG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.36%

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
ALG.DE Yearly Dividends per shareALG.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2024 2025 0.02 0.04 0.06 0.08

5.3 Sustainability

  • ALG pays out 27.15% of its income as dividend. This is a sustainable payout ratio.
  • ALG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP27.15%
EPS Next 2Y6.32%
EPS Next 3Y2.82%
ALG.DE Yearly Income VS Free CF VS DividendALG.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M
ALG.DE Dividend Payout.ALG.DE Dividend Payout, showing the Payout Ratio.ALG.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ALG.DE Fundamentals: All Metrics, Ratios and Statistics

ALBIS LEASING AG

FRA:ALG (4/30/2026, 7:00:00 PM)

2.84

-0.08 (-2.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength50.68
Industry Growth53.33
Earnings (Last)N/A
Earnings (Next)05-13
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners80.31%
Ins Owner ChangeN/A
Market Cap60.21M
Revenue(TTM)29.60M
Net Income(TTM)6.25M
Analysts45.71
Price Target3.21 (13.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.36%
Yearly Dividend0.08
Dividend Growth(5Y)5.99%
DP27.15%
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)1.61%
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 RankSector Rank
PE 9.79
Fwd PE 10.81
P/S 2.03
P/FCF 28.48
P/OCF 26.84
P/B 1.59
P/tB 2.49
EV/EBITDA 32.97
EPS(TTM)0.29
EY10.21%
EPS(NY)0.26
Fwd EY9.25%
FCF(TTM)0.1
FCFY3.51%
OCF(TTM)0.11
OCFY3.73%
SpS1.4
BVpS1.78
TBVpS1.14
PEG (NY)2.25
PEG (5Y)0.38
Graham Number3.41153 (20.12%)
Profitability
Industry RankSector Rank
ROA 2.67%
ROE 16.52%
ROCE 3.58%
ROIC 2.52%
ROICexc 2.57%
ROICexgc 2.81%
OM 19.31%
PM (TTM) 21.1%
GM 85.92%
FCFM 7.14%
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%
ROICexgc growth 3Y62.47%
ROICexgc 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 Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 3.02
Debt/FCF 83.48
Debt/EBITDA 16.1
Cap/Depr 9.37%
Cap/Sales 0.44%
Interest Coverage 28.58
Cash Conversion 31.62%
Profit Quality 33.85%
Current Ratio 0.99
Quick Ratio 0.99
Altman-Z 0.45
F-Score5
WACC3.7%
ROIC/WACC0.68
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)40.6%
EPS 3Y69.84%
EPS 5Y25.96%
EPS Q2Q%-2.14%
EPS Next Y4.35%
EPS Next 2Y6.32%
EPS Next 3Y2.82%
EPS Next 5YN/A
Revenue 1Y (TTM)-23.72%
Revenue growth 3Y6.76%
Revenue growth 5Y4.06%
Sales Q2Q%-18.81%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y24.59%
EBIT growth 3Y69.22%
EBIT growth 5Y10.66%
EBIT Next Year13.28%
EBIT Next 3Y9.86%
EBIT Next 5YN/A
FCF growth 1Y-80.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-79.73%
OCF growth 3YN/A
OCF growth 5YN/A

ALBIS LEASING AG / ALG.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ALBIS LEASING AG (ALG.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to ALG.DE.


What is the valuation status for ALG stock?

ChartMill assigns a valuation rating of 5 / 10 to ALBIS LEASING AG (ALG.DE). This can be considered as Fairly Valued.


How profitable is ALBIS LEASING AG (ALG.DE) stock?

ALBIS LEASING AG (ALG.DE) has a profitability rating of 6 / 10.


What is the valuation of ALBIS LEASING AG based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ALBIS LEASING AG (ALG.DE) is 9.79 and the Price/Book (PB) ratio is 1.59.


What is the earnings growth outlook for ALBIS LEASING AG?

The Earnings per Share (EPS) of ALBIS LEASING AG (ALG.DE) is expected to grow by 4.35% in the next year.