ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis
FRA:ALG - Deutsche Boerse Ag - DE0006569403 - Common Stock - Currency: EUR
Taking everything into account, ALG scores 4 out of 10 in our fundamental rating. ALG was compared to 50 industry peers in the Financial Services industry. There are concerns on the financial health of ALG while its profitability can be described as average. ALG is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
ALG had positive earnings in the past year.
ALG had a positive operating cash flow in the past year.
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 (2.70%) which is in line with its industry peers.
The Return On Equity of ALG (17.80%) is better than 70.00% of its industry peers.
With a Return On Invested Capital value of 2.49%, ALG perfoms like the industry average, outperforming 44.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ALG is significantly below the industry average of 11.75%.
The 3 year average ROIC (1.80%) for ALG is below the current ROIC(2.49%), indicating increased profibility in the last year.
| 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
Looking at the Profit Margin, with a value of 18.91%, ALG is in the better half of the industry, outperforming 68.00% of the companies in the same industry.
In the last couple of years the Profit Margin of ALG has grown nicely.
ALG has a Operating Margin of 17.35%. This is comparable to the rest of the industry: ALG outperforms 60.00% 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 70.00% of its industry peers.
ALG's Gross Margin has been stable in the last couple of years.
| 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.
ALG has more shares outstanding than it did 5 years ago.
ALG has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.49, we must say that ALG is in the distress zone and has some risk of bankruptcy.
ALG's Altman-Z score of 0.49 is on the low side compared to the rest of the industry. ALG is outperformed by 70.00% 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's Debt to FCF ratio of 45.21 is on the low side compared to the rest of the industry. ALG is outperformed by 68.00% of its industry peers.
ALG has a Debt/Equity ratio of 3.39. This is a high value indicating a heavy dependency on external financing.
ALG has a Debt to Equity ratio of 3.39. This is amonst the worse of the industry: ALG underperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.39 | ||
| Debt/FCF | 45.21 | ||
| Altman-Z | 0.49 |
ROIC/WACC0.7
WACC3.54%
2.3 Liquidity
A Current Ratio of 1.09 indicates that ALG should not have too much problems paying its short term obligations.
The Current ratio of ALG (1.09) is comparable to the rest of the 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
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.
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 decrease in Revenue. The Revenue has decreased by -7.40% 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)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
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
With a Price/Earnings ratio of 9.27, the valuation of ALG can be described as very reasonable.
Based on the Price/Earnings ratio, ALG is valued a bit cheaper than the industry average as 70.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.25. ALG is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.97, which indicates a very decent valuation of ALG.
64.00% of the companies in the same industry are more expensive than ALG, based on the Price/Forward Earnings ratio.
ALG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.15.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 11.97 |
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 a bit cheaper when compared to the industry. ALG is cheaper than 62.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.04 | ||
| EV/EBITDA | 30.93 |
4.3 Compensation for Growth
ALG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y2.15%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ALG has a Yearly Dividend Yield of 3.26%.
ALG's Dividend Yield is a higher than the industry average which is at 3.80.
ALG's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
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 (5/27/2025, 7:00:00 PM)
2.78
+0.04 (+1.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners92.87%
Ins Owner ChangeN/A
Market Cap58.94M
Analysts45.71
Price Target2.96 (6.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
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 | 9.27 | ||
| Fwd PE | 11.97 | ||
| P/S | 1.77 | ||
| P/FCF | 15.04 | ||
| P/OCF | 14.94 | ||
| P/B | 1.66 | ||
| P/tB | 2.7 | ||
| EV/EBITDA | 30.93 |
EPS(TTM)0.3
EY10.79%
EPS(NY)0.23
Fwd EY8.36%
FCF(TTM)0.18
FCFY6.65%
OCF(TTM)0.19
OCFY6.7%
SpS1.57
BVpS1.67
TBVpS1.03
PEG (NY)N/A
PEG (5Y)0.36
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 | 0.49 |
F-Score5
WACC3.54%
ROIC/WACC0.7
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