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ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis

Europe - FRA:ALG - DE0006569403 - Common Stock

3.08 EUR
0 (0%)
Last: 9/9/2025, 7:00:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ALG. ALG was compared to 46 industry peers in the Financial Services industry. While ALG is still in line with the averages on profitability rating, there are concerns on its financial health. ALG has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M -60M

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 has a better Return On Equity (17.80%) than 69.57% of its industry peers.
ALG has a Return On Invested Capital (2.49%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for ALG is significantly below the industry average of 10.94%.
The 3 year average ROIC (1.80%) for ALG is below the current ROIC(2.49%), indicating increased profibility in the last year.
Industry RankSector 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%
ALG.DE Yearly ROA, ROE, ROICALG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

ALG's Profit Margin of 18.91% is fine compared to the rest of the industry. ALG outperforms 69.57% of its industry peers.
In the last couple of years the Profit Margin of ALG has grown nicely.
The Operating Margin of ALG (17.35%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of ALG has grown nicely.
ALG has a better Gross Margin (78.88%) than 67.39% 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 RankSector 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%
ALG.DE Yearly Profit, Operating, Gross MarginsALG.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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2

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.
The number of shares outstanding for ALG remains at a similar level compared to 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.
ALG.DE Yearly Shares OutstandingALG.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

Based on the Altman-Z score of 0.51, we must say that ALG is in the distress zone and has some risk of bankruptcy.
ALG's Altman-Z score of 0.51 is on the low side compared to the rest of the industry. ALG is outperformed by 63.04% 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.
ALG has a worse Debt to FCF ratio (45.21) than 71.74% of its industry peers.
A Debt/Equity ratio of 3.39 is on the high side and indicates that ALG has dependencies on debt financing.
The Debt to Equity ratio of ALG (3.39) is worse than 80.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.39
Debt/FCF 45.21
Altman-Z 0.51
ROIC/WACC0.68
WACC3.69%
ALG.DE Yearly LT Debt VS Equity VS FCFALG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

2.3 Liquidity

A Current Ratio of 1.09 indicates that ALG should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.09, ALG is in line with its industry, outperforming 43.48% 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.
ALG has a Quick ratio (1.09) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.09
Quick Ratio 1.09
ALG.DE Yearly Current Assets VS Current LiabilitesALG.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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3

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.
ALG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.96% yearly.
ALG shows a decrease in Revenue. In the last year, the revenue decreased by -7.40%.
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 2.82% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y4.35%
EPS Next 2Y4.26%
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2014 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

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.27 indicates a reasonable valuation of ALG.
ALG's Price/Earnings ratio is a bit cheaper when compared to the industry. ALG is cheaper than 69.57% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. ALG is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 12.71, ALG is valued correctly.
Based on the Price/Forward Earnings ratio, ALG is valued a bit cheaper than 60.87% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, ALG is valued a bit cheaper.
Industry RankSector Rank
PE 10.27
Fwd PE 12.71
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

Based on the Enterprise Value to EBITDA ratio, ALG is valued a bit more expensive than the industry average as 60.87% of the companies are valued more cheaply.
ALG's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 16.66
EV/EBITDA 31.78
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.
The decent profitability rating of ALG may justify a higher PE ratio.
PEG (NY)2.36
PEG (5Y)0.4
EPS Next 2Y4.26%
EPS Next 3Y2.82%

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5

5. Dividend

5.1 Amount

ALG has a Yearly Dividend Yield of 2.90%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.54, ALG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, ALG pays a bit more dividend than the S&P500 average.
Industry RankSector 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
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 26.91% 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.
DP26.91%
EPS Next 2Y4.26%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M -60M
ALG.DE Dividend Payout.ALG.DE Dividend Payout, showing the Payout Ratio.ALG.DE Dividend Payout.PayoutRetained Earnings

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ALBIS LEASING AG

FRA:ALG (9/9/2025, 7:00:00 PM)

3.08

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)09-11 2025-09-11
Earnings (Next)N/A N/A
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 RankSector 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)4.35%
EPS NY rev (3m)4.35%
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 10.27
Fwd PE 12.71
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)0.24
Fwd EY7.87%
FCF(TTM)0.18
FCFY6%
OCF(TTM)0.19
OCFY6.04%
SpS1.57
BVpS1.67
TBVpS1.03
PEG (NY)2.36
PEG (5Y)0.4
Profitability
Industry RankSector 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 RankSector 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
WACC3.69%
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)39.38%
EPS 3Y69.84%
EPS 5Y25.96%
EPS Q2Q%99.43%
EPS Next Y4.35%
EPS Next 2Y4.26%
EPS Next 3Y2.82%
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 Year30.69%
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