ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis

FRA:ALG • DE0006569403

2.86 EUR
-0.06 (-2.05%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall ALG gets a fundamental rating of 4 out of 10. We evaluated ALG against 58 industry peers in the Financial Services industry. While ALG belongs to the best of the industry regarding profitability, there are concerns on its financial health. ALG is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

7

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.
  • In the past 5 years ALG has always been profitable.
  • In multiple years ALG reported negative operating cash flow during the last 5 years.
ALG.DE Yearly Net Income VS EBIT VS OCF VS FCFALG.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M

1.2 Ratios

  • With a decent Return On Assets value of 2.67%, ALG is doing good in the industry, outperforming 62.07% of the companies in the same industry.
  • ALG has a Return On Equity of 16.52%. This is in the better half of the industry: ALG outperforms 79.31% of its industry peers.
  • ALG has a Return On Invested Capital of 2.52%. This is comparable to the rest of the industry: ALG outperforms 51.72% of 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 8.98%.
  • The 3 year average ROIC (1.80%) for ALG is below the current ROIC(2.52%), indicating increased profibility in the last year.
Industry RankSector 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%
ALG.DE Yearly ROA, ROE, ROICALG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • ALG has a Profit Margin of 21.10%. This is in the better half of the industry: ALG outperforms 77.59% of its industry peers.
  • In the last couple of years the Profit Margin of ALG has grown nicely.
  • ALG has a Operating Margin of 19.31%. This is in the better half of the industry: ALG outperforms 68.97% of its industry peers.
  • In the last couple of years the Operating Margin of ALG has grown nicely.
  • The Gross Margin of ALG (85.92%) is better than 86.21% 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 RankSector 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%
ALG.DE Yearly Profit, Operating, Gross MarginsALG.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ALG is destroying value.
  • The number of shares outstanding for ALG remains at a similar level compared to 1 year ago.
  • ALG has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ALG has an improved debt to assets ratio.
ALG.DE Yearly Shares OutstandingALG.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
ALG.DE Yearly Total Debt VS Total AssetsALG.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

  • ALG has an Altman-Z score of 0.46. 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 (0.46) which is in line with 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 67.24% of its industry peers.
  • ALG has a Debt/Equity ratio of 3.02. This is a high value indicating a heavy dependency on external financing.
  • ALG has a Debt to Equity ratio of 3.02. This is in the lower half of the industry: ALG underperforms 75.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.02
Debt/FCF 83.48
Altman-Z 0.46
ROIC/WACC0.69
WACC3.68%
ALG.DE Yearly LT Debt VS Equity VS FCFALG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

2.3 Liquidity

  • A Current Ratio of 0.99 indicates that ALG may have some problems paying its short term obligations.
  • ALG has a Current ratio of 0.99. This is in the lower half of the industry: ALG underperforms 67.24% of its industry peers.
  • A Quick Ratio of 0.99 indicates that ALG may have some problems paying its short term obligations.
  • ALG has a Quick ratio of 0.99. This is in the lower half of the industry: ALG underperforms 67.24% of its industry peers.
Industry RankSector Rank
Current Ratio 0.99
Quick Ratio 0.99
ALG.DE Yearly Current Assets VS Current LiabilitesALG.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

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
  • 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

  • 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.
ALG.DE Yearly Revenue VS EstimatesALG.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
ALG.DE Yearly EPS VS EstimatesALG.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0.05 0.1 0.15 0.2 0.25

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.86, the valuation of ALG can be described as very reasonable.
  • Based on the Price/Earnings ratio, ALG is valued a bit cheaper than 65.52% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. ALG is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.89, the valuation of ALG can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, ALG is valued a bit cheaper than the industry average as 60.34% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. ALG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.86
Fwd PE 10.89
ALG.DE Price Earnings VS Forward Price EarningsALG.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ALG's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Based on the Price/Free Cash Flow ratio, ALG is valued a bit more expensive than the industry average as 62.07% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 28.68
EV/EBITDA 33.21
ALG.DE Per share dataALG.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5

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)2.27
PEG (5Y)0.38
EPS Next 2Y6.32%
EPS Next 3Y2.82%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • ALG has a Yearly Dividend Yield of 3.08%. 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 2.23.
  • ALG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.08%

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
ALG.DE Yearly Dividends per shareALG.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2024 2025 0.02 0.04 0.06 0.08

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%
ALG.DE Yearly Income VS Free CF VS DividendALG.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M
ALG.DE Dividend Payout.ALG.DE Dividend Payout, showing the Payout Ratio.ALG.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ALBIS LEASING AG

FRA:ALG (2/20/2026, 7:00:00 PM)

2.86

-0.06 (-2.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)09-11
Earnings (Next)N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners80.32%
Ins Owner ChangeN/A
Market Cap60.63M
Revenue(TTM)29.60M
Net Income(TTM)6.25M
Analysts45.71
Price Target3.21 (12.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.08%
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)1.61%
PT rev (3m)1.61%
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 RankSector Rank
PE 9.86
Fwd PE 10.89
P/S 2.05
P/FCF 28.68
P/OCF 27.03
P/B 1.6
P/tB 2.5
EV/EBITDA 33.21
EPS(TTM)0.29
EY10.14%
EPS(NY)0.26
Fwd EY9.18%
FCF(TTM)0.1
FCFY3.49%
OCF(TTM)0.11
OCFY3.7%
SpS1.4
BVpS1.78
TBVpS1.14
PEG (NY)2.27
PEG (5Y)0.38
Graham Number3.41
Profitability
Industry RankSector 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 RankSector 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 0.46
F-Score5
WACC3.68%
ROIC/WACC0.69
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 for ALG stock?

ChartMill assigns a valuation rating of 5 / 10 to ALBIS LEASING AG (ALG.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for ALBIS LEASING AG?

ALBIS LEASING AG (ALG.DE) has a profitability rating of 7 / 10.


What is the financial health of ALBIS LEASING AG (ALG.DE) stock?

The financial health rating of ALBIS LEASING AG (ALG.DE) is 1 / 10.


Can you provide the dividend sustainability for ALG stock?

The dividend rating of ALBIS LEASING AG (ALG.DE) is 6 / 10 and the dividend payout ratio is 27.15%.