ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis
Europe - FRA:ALG - DE0006569403 - Common Stock
3.02 EUR
-0.02 (-0.66%)
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. ALG scores excellent on profitability, but 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
In the past year ALG was profitable.
ALG had a positive operating cash flow in the past year.
In the past 5 years ALG has always been profitable.
In multiple years ALG reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of ALG (2.67%) is better than 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.
Looking at the Return On Invested Capital, with a value of 2.52%, ALG is in line with its industry, outperforming 52.00% of the companies in the same industry.
ALG had an Average Return On Invested Capital over the past 3 years of 1.80%. This is significantly below the industry average of 8.73%.
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
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.
With a decent Operating Margin value of 19.31%, ALG is doing good in the industry, outperforming 76.00% of the companies in the same industry.
ALG's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 85.92%, ALG belongs to the best of the industry, outperforming 84.00% 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
ALG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
ALG has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, ALG has more shares outstanding
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.
ALG has a Altman-Z score of 0.47. This is in the lower half of the industry: ALG underperforms 66.00% of its industry peers.
ALG has a debt to FCF ratio of 83.48. This is a negative value and a sign of low solvency as ALG would need 83.48 years to pay back of 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/WACC0.66
WACC3.81%
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 72.00% of the companies in the same industry.
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.
The Quick ratio of ALG (0.99) is worse than 72.00% of its industry peers.
| 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
The Revenue for ALG has decreased by -23.72% in the past year. This is quite bad
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
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
Based on the Price/Earnings ratio of 10.41, the valuation of ALG can be described as reasonable.
78.00% of the companies in the same industry are more expensive than ALG, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ALG to the average of the S&P500 Index (27.57), we can say ALG is valued rather cheaply.
The Price/Forward Earnings ratio is 11.50, which indicates a very decent valuation of ALG.
Based on the Price/Forward Earnings ratio, ALG is valued a bit cheaper than 70.00% of the companies in the same industry.
ALG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.41 | ||
| Fwd PE | 11.5 |
4.2 Price Multiples
ALG's Enterprise Value to EBITDA is on the same level as 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 | 30.29 | ||
| 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.
The decent profitability rating of ALG may justify a higher PE ratio.
PEG (NY)2.4
PEG (5Y)0.4
EPS Next 2Y6.32%
EPS Next 3Y2.82%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.98%, ALG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.62, ALG pays a bit more dividend than its industry peers.
ALG's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| 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
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 (10/16/2025, 7:00:00 PM)
3.02
-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 Cap64.02M
Revenue(TTM)29.60M
Net Income(TTM)6.25M
Analysts45.71
Price Target3.16 (4.64%)
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 | 10.41 | ||
| Fwd PE | 11.5 | ||
| P/S | 2.16 | ||
| P/FCF | 30.29 | ||
| P/OCF | 28.54 | ||
| P/B | 1.69 | ||
| P/tB | 2.64 | ||
| EV/EBITDA | 33.51 |
EPS(TTM)0.29
EY9.6%
EPS(NY)0.26
Fwd EY8.7%
FCF(TTM)0.1
FCFY3.3%
OCF(TTM)0.11
OCFY3.5%
SpS1.4
BVpS1.78
TBVpS1.14
PEG (NY)2.4
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
WACC3.81%
ROIC/WACC0.66
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