ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis
Europe - FRA:ALG - DE0006569403 - Common Stock
3 EUR
-0.02 (-0.66%)
We assign a fundamental rating of 4 out of 10 to ALG. ALG was compared to 50 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
In the past year ALG was profitable.
In the past year ALG had a positive cash flow from operations.
Each year in the past 5 years ALG has been profitable.
In multiple years ALG reported negative operating cash flow during the last 5 years.
1.2 Ratios
ALG has a Return On Assets of 2.67%. This is in the better half of the industry: ALG outperforms 64.00% of its industry peers.
Looking at the Return On Equity, with a value of 16.52%, ALG is in the better half of the industry, outperforming 76.00% 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 52.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ALG is significantly below the industry average of 8.73%.
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
Looking at the Profit Margin, with a value of 21.10%, ALG is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
In the last couple of years the Profit Margin of ALG has grown nicely.
Looking at the Operating Margin, with a value of 19.31%, ALG is in the better half of the industry, outperforming 76.00% of the companies in the same industry.
In the last couple of years the Operating Margin of ALG has grown nicely.
ALG has a Gross Margin of 85.92%. This is amongst the best in the industry. ALG outperforms 84.00% 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 | 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
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.
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
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.
Looking at the Altman-Z score, with a value of 0.47, ALG is doing worse than 66.00% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 83.48, ALG is doing worse than 74.00% of the companies in the same industry.
A Debt/Equity ratio of 3.02 is on the high side and indicates that ALG has dependencies on debt financing.
ALG has a worse Debt to Equity ratio (3.02) than 78.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.02 | ||
| Debt/FCF | 83.48 | ||
| Altman-Z | 0.47 |
ROIC/WACC0.67
WACC3.79%
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.
ALG has a Current ratio of 0.99. This is in the lower half of the industry: ALG underperforms 72.00% of its industry peers.
A Quick Ratio of 0.99 indicates that ALG may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.99, ALG is doing worse than 72.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
ALG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.60%, which is quite impressive.
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
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
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.
4. Valuation
4.1 Price/Earnings Ratio
ALG is valuated reasonably with a Price/Earnings ratio of 10.34.
Compared to the rest of the industry, the Price/Earnings ratio of ALG indicates a somewhat cheap valuation: ALG is cheaper than 78.00% of the companies listed in the same industry.
ALG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
ALG is valuated reasonably with a Price/Forward Earnings ratio of 11.42.
Based on the Price/Forward Earnings ratio, ALG is valued a bit cheaper than 70.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ALG to the average of the S&P500 Index (23.33), we can say ALG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
ALG's Enterprise Value to EBITDA is on the same level as the industry average.
ALG's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.09 | ||
| EV/EBITDA | 33.51 |
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)2.38
PEG (5Y)0.4
EPS Next 2Y6.32%
EPS Next 3Y2.82%
5. Dividend
5.1 Amount
ALG has a Yearly Dividend Yield of 2.98%. Purely for dividend investing, there may be better candidates out there.
ALG's Dividend Yield is a higher than the industry average which is at 3.62.
ALG's Dividend Yield is a higher than the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
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
27.15% of the earnings are spent on dividend by ALG. This is a low number and 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 (10/23/2025, 7:00:00 PM)
3
-0.02 (-0.66%)
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 Cap63.60M
Revenue(TTM)29.60M
Net Income(TTM)6.25M
Analysts45.71
Price Target3.16 (5.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
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 | 10.34 | ||
| Fwd PE | 11.42 | ||
| P/S | 2.15 | ||
| P/FCF | 30.09 | ||
| P/OCF | 28.35 | ||
| P/B | 1.68 | ||
| P/tB | 2.63 | ||
| EV/EBITDA | 33.51 |
EPS(TTM)0.29
EY9.67%
EPS(NY)0.26
Fwd EY8.75%
FCF(TTM)0.1
FCFY3.32%
OCF(TTM)0.11
OCFY3.53%
SpS1.4
BVpS1.78
TBVpS1.14
PEG (NY)2.38
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
WACC3.79%
ROIC/WACC0.67
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