ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis
Europe - FRA:ALG - DE0006569403 - Common Stock
3.18 EUR
+0.18 (+6%)
We assign a fundamental rating of 4 out of 10 to ALG. ALG was compared to 51 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
ALG had positive earnings in the past year.
In the past year ALG had a positive cash flow from operations.
In the past 5 years ALG has always 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
ALG has a Return On Assets of 2.67%. This is in the better half of the industry: ALG outperforms 64.71% of its industry peers.
ALG has a Return On Equity of 16.52%. This is in the better half of the industry: ALG outperforms 76.47% of its industry peers.
ALG has a Return On Invested Capital (2.52%) which is in line with its industry peers.
ALG had an Average Return On Invested Capital over the past 3 years of 1.80%. This is significantly below the industry average of 10.03%.
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 belongs to the top of the industry, outperforming 80.39% of the companies in the same industry.
ALG's Profit Margin has improved in the last couple of years.
ALG has a Operating Margin of 19.31%. This is in the better half of the industry: ALG outperforms 76.47% of its industry peers.
In the last couple of years the Operating Margin of ALG has grown nicely.
ALG's Gross Margin of 85.92% is amongst the best of the industry. ALG outperforms 84.31% 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.
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
Compared to 1 year ago, ALG has an improved debt to assets ratio.
2.2 Solvency
ALG has an Altman-Z score of 0.48. 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 0.48, ALG is doing worse than 66.67% of the companies in the same industry.
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 72.55% of the companies in the same industry.
ALG has a Debt/Equity ratio of 3.02. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.02, ALG is not doing good in the industry: 78.43% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.02 | ||
| Debt/FCF | 83.48 | ||
| Altman-Z | 0.48 |
ROIC/WACC0.65
WACC3.91%
2.3 Liquidity
A Current Ratio of 0.99 indicates that ALG may have some problems paying its short term obligations.
ALG has a worse Current ratio (0.99) than 74.51% 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: 74.51% 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
Looking at the last year, ALG shows a very negative growth in Revenue. The Revenue has decreased by -23.72% in the last year.
ALG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.06% yearly.
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
With a Price/Earnings ratio of 10.97, the valuation of ALG can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ALG indicates a somewhat cheap valuation: ALG is cheaper than 78.43% 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 26.89.
A Price/Forward Earnings ratio of 12.11 indicates a correct valuation of ALG.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALG indicates a somewhat cheap valuation: ALG is cheaper than 62.75% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ALG to the average of the S&P500 Index (22.99), we can say ALG is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.97 | ||
| Fwd PE | 12.11 |
4.2 Price Multiples
ALG's Enterprise Value to EBITDA ratio is in line with the industry average.
ALG's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.89 | ||
| EV/EBITDA | 33.99 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
ALG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.52
PEG (5Y)0.42
EPS Next 2Y6.32%
EPS Next 3Y2.82%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.00%, ALG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.47, 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 2.31.
| 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
27.15% of the earnings are spent on dividend by ALG. This is a low number and 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 (10/24/2025, 7:00:00 PM)
3.18
+0.18 (+6%)
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 Cap67.42M
Revenue(TTM)29.60M
Net Income(TTM)6.25M
Analysts45.71
Price Target3.16 (-0.63%)
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 | 10.97 | ||
| Fwd PE | 12.11 | ||
| P/S | 2.28 | ||
| P/FCF | 31.89 | ||
| P/OCF | 30.06 | ||
| P/B | 1.78 | ||
| P/tB | 2.78 | ||
| EV/EBITDA | 33.99 |
EPS(TTM)0.29
EY9.12%
EPS(NY)0.26
Fwd EY8.26%
FCF(TTM)0.1
FCFY3.14%
OCF(TTM)0.11
OCFY3.33%
SpS1.4
BVpS1.78
TBVpS1.14
PEG (NY)2.52
PEG (5Y)0.42
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 | 0.48 |
F-Score5
WACC3.91%
ROIC/WACC0.65
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%.