ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ALG - DE0006569403 - Common Stock
3.04 EUR
+0.06 (+2.01%)
Overall ALG gets a fundamental rating of 4 out of 10. We evaluated ALG against 52 industry peers in the Financial Services industry. ALG scores excellent on profitability, but there are concerns on its financial health. ALG has a valuation in line with the averages, but it does not seem to be growing.
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.
Each year in the past 5 years ALG has 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
With a decent Return On Assets value of 2.67%, ALG is doing good in the industry, outperforming 63.46% of the companies in the same industry.
With a decent Return On Equity value of 16.52%, ALG is doing good in the industry, outperforming 76.92% of the companies in the same industry.
ALG has a Return On Invested Capital of 2.52%. This is comparable to the rest of the industry: ALG outperforms 51.92% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ALG is significantly below the industry average of 9.75%.
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 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
The Profit Margin of ALG (21.10%) is better 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 75.00% of the companies in the same industry.
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 84.62% 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.
ALG has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for ALG has been increased compared to 5 years ago.
Compared to 1 year ago, ALG has an improved debt to assets ratio.
2.2 Solvency
ALG has an Altman-Z score of 0.47. This is a bad value and indicates that ALG is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of ALG (0.47) is worse than 63.46% 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.
ALG has a Debt to FCF ratio of 83.48. This is in the lower half of the industry: ALG underperforms 71.15% 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 76.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.02 | ||
| Debt/FCF | 83.48 | ||
| Altman-Z | 0.47 |
ROIC/WACC0.68
WACC3.69%
2.3 Liquidity
A Current Ratio of 0.99 indicates that ALG may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.99, ALG is doing worse than 73.08% 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 has a worse Quick ratio (0.99) than 73.08% of its industry peers.
| 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
Looking at the last year, ALG shows a very negative growth in Revenue. The Revenue has decreased by -23.72% in the last year.
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)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
The Earnings Per Share is expected to grow by 2.82% on average over the next years.
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
ALG is valuated reasonably with a Price/Earnings ratio of 10.48.
Compared to the rest of the industry, the Price/Earnings ratio of ALG indicates a somewhat cheap valuation: ALG is cheaper than 76.92% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of ALG to the average of the S&P500 Index (25.45), we can say ALG is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.58, the valuation of ALG can be described as reasonable.
ALG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALG is cheaper than 65.38% of the companies in the same industry.
ALG is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.48 | ||
| Fwd PE | 11.58 |
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 | 30.49 | ||
| EV/EBITDA | 33.57 |
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)2.41
PEG (5Y)0.4
EPS Next 2Y6.32%
EPS Next 3Y2.82%
5. Dividend
5.1 Amount
ALG has a Yearly Dividend Yield of 3.00%.
ALG's Dividend Yield is a higher than the industry average which is at 3.37.
Compared to an average S&P500 Dividend Yield of 2.45, ALG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
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.
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%
FRA:ALG (11/20/2025, 7:00:00 PM)
3.04
+0.06 (+2.01%)
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 Cap64.45M
Revenue(TTM)29.60M
Net Income(TTM)6.25M
Analysts45.71
Price Target3.16 (3.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
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)6.9%
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.48 | ||
| Fwd PE | 11.58 | ||
| P/S | 2.18 | ||
| P/FCF | 30.49 | ||
| P/OCF | 28.73 | ||
| P/B | 1.7 | ||
| P/tB | 2.66 | ||
| EV/EBITDA | 33.57 |
EPS(TTM)0.29
EY9.54%
EPS(NY)0.26
Fwd EY8.64%
FCF(TTM)0.1
FCFY3.28%
OCF(TTM)0.11
OCFY3.48%
SpS1.4
BVpS1.78
TBVpS1.14
PEG (NY)2.41
PEG (5Y)0.4
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 | 0.47 |
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)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 of ALBIS LEASING AG (ALG.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to ALBIS LEASING AG (ALG.DE). This can be considered as Fairly Valued.
What is the profitability of ALG stock?
ALBIS LEASING AG (ALG.DE) has a profitability rating of 7 / 10.
Can you provide the expected EPS growth for ALG stock?
The Earnings per Share (EPS) of ALBIS LEASING AG (ALG.DE) is expected to grow by 4.35% in the next year.
Can you provide the dividend sustainability for ALG stock?
The dividend rating of ALBIS LEASING AG (ALG.DE) is 5 / 10 and the dividend payout ratio is 27.15%.