ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis
FRA:ALG - Deutsche Boerse Ag - DE0006569403 - Common Stock - Currency: EUR
ALG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 46 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 on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
ALG had positive earnings in the past year.
In the past year ALG had a positive cash flow from operations.
In the past 5 years ALG has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: ALG reported negative operating cash flow in multiple years.
1.2 Ratios
ALG has a Return On Assets of 2.70%. This is comparable to the rest of the industry: ALG outperforms 58.70% of its industry peers.
ALG's Return On Equity of 17.80% is fine compared to the rest of the industry. ALG outperforms 73.91% of its industry peers.
ALG's Return On Invested Capital of 2.49% is in line compared to the rest of the industry. ALG outperforms 45.65% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ALG is significantly below the industry average of 9.04%.
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
ALG has a better Profit Margin (18.91%) than 71.74% of its industry peers.
In the last couple of years the Profit Margin of ALG has grown nicely.
ALG's Operating Margin of 17.35% is fine compared to the rest of the industry. ALG outperforms 60.87% of its industry peers.
In the last couple of years the Operating Margin of ALG has grown nicely.
ALG's Gross Margin of 78.88% is fine compared to the rest of the industry. ALG outperforms 69.57% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ALG is destroying value.
Compared to 1 year ago, ALG has about the same amount of shares outstanding.
Compared to 5 years ago, ALG has more shares outstanding
ALG has a better debt/assets ratio than last year.
2.2 Solvency
ALG has an Altman-Z score of 0.51. 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 (0.51) than 71.74% of its industry peers.
ALG has a debt to FCF ratio of 45.21. This is a negative value and a sign of low solvency as ALG would need 45.21 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 45.21, ALG is doing worse than 69.57% of the companies in the same industry.
ALG has a Debt/Equity ratio of 3.39. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.39, ALG is not doing good in the industry: 80.43% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.39 | ||
| Debt/FCF | 45.21 | ||
| Altman-Z | 0.51 |
ROIC/WACC0.72
WACC3.48%
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.
Looking at the Current ratio, with a value of 1.09, ALG is in line with its industry, outperforming 50.00% of the companies in the same industry.
A Quick Ratio of 1.09 indicates that ALG should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.09, ALG is in line with its industry, outperforming 56.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 39.38% over the past year.
The Earnings Per Share has been growing by 25.96% on average over the past years. This is a very strong growth
The Revenue has decreased by -7.40% in the past year.
The Revenue has been growing slightly by 4.06% on average over the past years.
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
ALG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.15% yearly.
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
A Price/Earnings ratio of 10.27 indicates a reasonable valuation of ALG.
Based on the Price/Earnings ratio, ALG is valued a bit cheaper than 67.39% of the companies in the same industry.
ALG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.18.
Based on the Price/Forward Earnings ratio of 13.26, the valuation of ALG can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALG is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 35.34. ALG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 13.26 |
4.2 Price Multiples
ALG's Enterprise Value to EBITDA ratio is in line with the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as ALG.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.66 | ||
| EV/EBITDA | 31.78 |
4.3 Compensation for Growth
The decent profitability rating of ALG may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y2.15%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ALG has a Yearly Dividend Yield of 2.90%.
Compared to an average industry Dividend Yield of 3.93, ALG pays a bit more dividend than its industry peers.
ALG's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.9% |
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
ALG pays out 26.91% of its income as dividend. This is a sustainable payout ratio.
The dividend of ALG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP26.91%
EPS Next 2Y2.15%
EPS Next 3YN/A
FRA:ALG (7/15/2025, 7:00:00 PM)
3.08
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 Cap65.30M
Analysts45.71
Price Target2.96 (-3.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.9% |
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 | 10.27 | ||
| Fwd PE | 13.26 | ||
| P/S | 1.96 | ||
| P/FCF | 16.66 | ||
| P/OCF | 16.55 | ||
| P/B | 1.84 | ||
| P/tB | 2.99 | ||
| EV/EBITDA | 31.78 |
EPS(TTM)0.3
EY9.74%
EPS(NY)0.23
Fwd EY7.54%
FCF(TTM)0.18
FCFY6%
OCF(TTM)0.19
OCFY6.04%
SpS1.57
BVpS1.67
TBVpS1.03
PEG (NY)N/A
PEG (5Y)0.4
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 | 0.51 |
F-Score5
WACC3.48%
ROIC/WACC0.72
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