ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALG - DE0006569403 - Common Stock
2.94 EUR
-0.06 (-2%)
Overall ALG gets a fundamental rating of 4 out of 10. We evaluated ALG against 58 industry peers in the Financial Services industry. While ALG belongs to the best of the industry regarding profitability, there are concerns on its financial health. 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.
ALG had positive earnings in each of the past 5 years.
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 better Return On Assets (2.67%) than 60.34% of its industry peers.
The Return On Equity of ALG (16.52%) is better than 77.59% of its industry peers.
ALG's Return On Invested Capital of 2.52% is in line compared to the rest of the industry. ALG outperforms 50.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ALG is significantly below the industry average of 9.69%.
The 3 year average ROIC (1.80%) for ALG is below the current ROIC(2.52%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
ALG's Profit Margin of 21.10% is fine compared to the rest of the industry. ALG outperforms 79.31% of its industry peers.
ALG's Profit Margin has improved in the last couple of years.
The Operating Margin of ALG (19.31%) is better than 68.97% of its industry peers.
ALG's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 85.92%, ALG belongs to the top of the industry, outperforming 86.21% of the companies in the same industry.
ALG's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
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.
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.
2.2 Solvency
Based on the Altman-Z score of 0.46, we must say that ALG is in the distress zone and has some risk of bankruptcy.
ALG has a worse Altman-Z score (0.46) than 62.07% of its industry peers.
The Debt to FCF ratio of ALG is 83.48, which is on the high side as it means it would take ALG, 83.48 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 83.48, ALG is not doing good in the industry: 72.41% of the companies in the same industry are doing better.
ALG has a Debt/Equity ratio of 3.02. This is a high value indicating a heavy dependency on external financing.
ALG has a worse Debt to Equity ratio (3.02) than 77.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.02 | ||
| Debt/FCF | 83.48 | ||
| Altman-Z | 0.46 |
ROIC/WACC0.68
WACC3.73%
2.3 Liquidity
A Current Ratio of 0.99 indicates that ALG may have some problems paying its short term obligations.
ALG's Current ratio of 0.99 is on the low side compared to the rest of the industry. ALG is outperformed by 68.97% of its industry peers.
ALG has a Quick 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.
With a Quick ratio value of 0.99, ALG is not doing good in the industry: 68.97% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 40.60% 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
ALG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -23.72%.
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
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 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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.14 indicates a reasonable valuation of ALG.
Based on the Price/Earnings ratio, ALG is valued a bit cheaper than the industry average as 75.86% of the companies are valued more expensively.
ALG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
Based on the Price/Forward Earnings ratio of 11.20, the valuation of ALG can be described as reasonable.
Based on the Price/Forward Earnings ratio, ALG is valued a bit cheaper than the industry average as 63.79% of the companies are valued more expensively.
ALG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.14 | ||
| Fwd PE | 11.2 |
4.2 Price Multiples
ALG's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ALG is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.48 | ||
| EV/EBITDA | 33.27 |
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)2.33
PEG (5Y)0.39
EPS Next 2Y6.32%
EPS Next 3Y2.82%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.06%, ALG has a reasonable but not impressive dividend return.
ALG's Dividend Yield is a higher than the industry average which is at 2.04.
ALG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
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 27.15% 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.
DP27.15%
EPS Next 2Y6.32%
EPS Next 3Y2.82%
FRA:ALG (12/29/2025, 7:00:00 PM)
2.94
-0.06 (-2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners80.32%
Ins Owner ChangeN/A
Market Cap62.33M
Revenue(TTM)29.60M
Net Income(TTM)6.25M
Analysts45.71
Price Target3.16 (7.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
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)6.9%
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 | 10.14 | ||
| Fwd PE | 11.2 | ||
| P/S | 2.11 | ||
| P/FCF | 29.48 | ||
| P/OCF | 27.79 | ||
| P/B | 1.65 | ||
| P/tB | 2.57 | ||
| EV/EBITDA | 33.27 |
EPS(TTM)0.29
EY9.86%
EPS(NY)0.26
Fwd EY8.93%
FCF(TTM)0.1
FCFY3.39%
OCF(TTM)0.11
OCFY3.6%
SpS1.4
BVpS1.78
TBVpS1.14
PEG (NY)2.33
PEG (5Y)0.39
Graham Number3.41
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.46 |
F-Score5
WACC3.73%
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 Year13.96%
EBIT Next 3Y9.72%
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 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.
Can you provide the profitability details for ALBIS LEASING AG?
ALBIS LEASING AG (ALG.DE) has a profitability rating of 7 / 10.
What is the financial health of ALBIS LEASING AG (ALG.DE) stock?
The financial health rating of ALBIS LEASING AG (ALG.DE) is 1 / 10.
Can you provide the dividend sustainability for ALG stock?
The dividend rating of ALBIS LEASING AG (ALG.DE) is 6 / 10 and the dividend payout ratio is 27.15%.