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ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis

Europe - FRA:ALG - DE0006569403 - Common Stock

3.02 EUR
-0.02 (-0.66%)
Last: 10/16/2025, 7:00:00 PM
Fundamental Rating

4

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.


Dividend Valuation Growth Profitability Health

7

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M -60M

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

1

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.
ALG.DE Yearly Shares OutstandingALG.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

ALG has an Altman-Z score of 0.47. 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 RankSector Rank
Debt/Equity 3.02
Debt/FCF 83.48
Altman-Z 0.47
ROIC/WACC0.66
WACC3.81%
ALG.DE Yearly LT Debt VS Equity VS FCFALG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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
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.
ALG.DE Yearly Revenue VS EstimatesALG.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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

5

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 RankSector Rank
PE 10.41
Fwd PE 11.5
ALG.DE Price Earnings VS Forward Price EarningsALG.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 RankSector Rank
P/FCF 30.29
EV/EBITDA 33.51
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)2.4
PEG (5Y)0.4
EPS Next 2Y6.32%
EPS Next 3Y2.82%

5

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 RankSector 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
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M -60M
ALG.DE Dividend Payout.ALG.DE Dividend Payout, showing the Payout Ratio.ALG.DE Dividend Payout.PayoutRetained Earnings

ALBIS LEASING AG

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)09-11 2025-09-11
Earnings (Next)N/A N/A
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 RankSector 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 RankSector 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 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 0.47
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