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(ARL.DE) Stock Fundamental Analysis

Europe - Frankfurt Stock Exchange - FRA:ARL - DE0005408116 - Common Stock

33.2 EUR
0 (0%)
Last: 10/11/2023, 7:00:00 PM
Fundamental Rating

3

ARL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 60 industry peers in the Financial Services industry. Both the profitability and financial health of ARL have multiple concerns. ARL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • ARL had positive earnings in the past year.
  • ARL had a negative operating cash flow in the past year.
ARL.DE Yearly Net Income VS EBIT VS OCF VS FCFARL.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 0 1B -1B 2B 3B

1.2 Ratios

  • ARL has a Return On Assets of 0.33%. This is in the lower half of the industry: ARL underperforms 75.00% of its industry peers.
  • With a Return On Equity value of 5.04%, ARL perfoms like the industry average, outperforming 43.18% of the companies in the same industry.
Industry RankSector Rank
ROA 0.33%
ROE 5.04%
ROIC N/A
ROA(3y)0.1%
ROA(5y)0.24%
ROE(3y)1.5%
ROE(5y)3.56%
ROIC(3y)N/A
ROIC(5y)N/A
ARL.DE Yearly ROA, ROE, ROICARL.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 0 2 -2 4 6

1.3 Margins

  • The Profit Margin of ARL (13.86%) is better than 63.64% of its industry peers.
  • ARL's Profit Margin has declined in the last couple of years.
  • ARL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.86%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8%
PM growth 5Y-7.54%
GM growth 3YN/A
GM growth 5YN/A
ARL.DE Yearly Profit, Operating, Gross MarginsARL.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 0 10 20

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1

2. Health

2.1 Basic Checks

  • ARL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ARL has been reduced compared to 1 year ago.
  • Compared to 1 year ago, ARL has an improved debt to assets ratio.
ARL.DE Yearly Shares OutstandingARL.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M
ARL.DE Yearly Total Debt VS Total AssetsARL.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 10B 20B 30B 40B

2.2 Solvency

  • A Debt/Equity ratio of 0.93 indicates that ARL is somewhat dependend on debt financing.
  • ARL's Debt to Equity ratio of 0.93 is on the low side compared to the rest of the industry. ARL is outperformed by 61.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.93
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.56%
ARL.DE Yearly LT Debt VS Equity VS FCFARL.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 0 1B -1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ARL.DE Yearly Current Assets VS Current LiabilitesARL.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 1B 2B 3B 4B 5B

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6

3. Growth

3.1 Past

  • ARL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 75.43%, which is quite impressive.
  • The Earnings Per Share has been decreasing by -5.88% on average over the past years.
  • Looking at the last year, ARL shows a very strong growth in Revenue. The Revenue has grown by 21.61%.
  • The Revenue has been growing slightly by 1.82% on average over the past years.
EPS 1Y (TTM)75.43%
EPS 3Y-1.69%
EPS 5Y-5.88%
EPS Q2Q%-58.97%
Revenue 1Y (TTM)21.61%
Revenue growth 3Y6.86%
Revenue growth 5Y1.82%
Sales Q2Q%25.94%

3.2 Future

  • Based on estimates for the next years, ARL will show a very strong growth in Earnings Per Share. The EPS will grow by 22.57% on average per year.
  • Based on estimates for the next years, ARL will show a small growth in Revenue. The Revenue will grow by 7.79% on average per year.
EPS Next Y17.69%
EPS Next 2Y30.04%
EPS Next 3Y22.57%
EPS Next 5YN/A
Revenue Next Year20.85%
Revenue Next 2Y11.15%
Revenue Next 3Y7.79%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ARL.DE Yearly Revenue VS EstimatesARL.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
ARL.DE Yearly EPS VS EstimatesARL.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4

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5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.21, which indicates a correct valuation of ARL.
  • ARL's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.94. ARL is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 8.88, which indicates a very decent valuation of ARL.
  • Based on the Price/Forward Earnings ratio, ARL is valued a bit cheaper than the industry average as 63.64% of the companies are valued more expensively.
  • ARL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.94.
Industry RankSector Rank
PE 12.21
Fwd PE 8.88
ARL.DE Price Earnings VS Forward Price EarningsARL.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ARL.DE Per share dataARL.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • ARL's earnings are expected to grow with 22.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y30.04%
EPS Next 3Y22.57%

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0

5. Dividend

5.1 Amount

  • ARL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FRA:ARL (10/11/2023, 7:00:00 PM)

33.2

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap1.99B
Revenue(TTM)1.18B
Net Income(TTM)163.00M
Analysts44
Price Target34.58 (4.16%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.23
Dividend Growth(5Y)-36.43%
DPN/A
Div Incr Years0
Div Non Decr Years0
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)-1.6%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.27%
EPS NY rev (3m)-14.59%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.42%
Revenue NY rev (3m)13.53%
Valuation
Industry RankSector Rank
PE 12.21
Fwd PE 8.88
P/S 1.69
P/FCF N/A
P/OCF N/A
P/B 0.62
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)2.72
EY8.19%
EPS(NY)3.74
Fwd EY11.26%
FCF(TTM)-22.1
FCFYN/A
OCF(TTM)-22.1
OCFYN/A
SpS19.65
BVpS53.98
TBVpS42.82
PEG (NY)0.69
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 5.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.86%
GM N/A
FCFM N/A
ROA(3y)0.1%
ROA(5y)0.24%
ROE(3y)1.5%
ROE(5y)3.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8%
PM growth 5Y-7.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.93
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.56%
ROIC/WACCN/A
Cap/Depr(3y)76.66%
Cap/Depr(5y)99.1%
Cap/Sales(3y)3.81%
Cap/Sales(5y)3.6%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)75.43%
EPS 3Y-1.69%
EPS 5Y-5.88%
EPS Q2Q%-58.97%
EPS Next Y17.69%
EPS Next 2Y30.04%
EPS Next 3Y22.57%
EPS Next 5YN/A
Revenue 1Y (TTM)21.61%
Revenue growth 3Y6.86%
Revenue growth 5Y1.82%
Sales Q2Q%25.94%
Revenue Next Year20.85%
Revenue Next 2Y11.15%
Revenue Next 3Y7.79%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year30.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-184.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.54%
OCF growth 3YN/A
OCF growth 5YN/A

/ ARL.DE FAQ

Can you provide the ChartMill fundamental rating for ?

ChartMill assigns a fundamental rating of 3 / 10 to ARL.DE.


What is the valuation status of (ARL.DE) stock?

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


How profitable is (ARL.DE) stock?

(ARL.DE) has a profitability rating of 2 / 10.


What are the PE and PB ratios of (ARL.DE) stock?

The Price/Earnings (PE) ratio for (ARL.DE) is 12.21 and the Price/Book (PB) ratio is 0.62.