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ALBIS LEASING AG (ALG.DE) Stock Fundamental Analysis

FRA:ALG - Deutsche Boerse Ag - DE0006569403 - Common Stock - Currency: EUR

2.72  0 (0%)

Fundamental Rating

4

ALG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 industry peers in the Financial Services industry. There are concerns on the financial health of ALG while its profitability can be described as average. ALG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

ALG had positive earnings in the past year.
ALG had a positive operating cash flow in the past year.
Each year in the past 5 years ALG has been profitable.
The reported operating cash flow has been mixed in the past 5 years: ALG reported negative operating cash flow in multiple 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 0 -20M -40M -60M

1.2 Ratios

The Return On Assets of ALG (1.89%) is comparable to the rest of the industry.
ALG has a Return On Equity (12.93%) which is in line with its industry peers.
ALG has a Return On Invested Capital of 2.32%. This is comparable to the rest of the industry: ALG outperforms 42.55% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ALG is significantly below the industry average of 10.10%.
The 3 year average ROIC (1.32%) for ALG is below the current ROIC(2.32%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.89%
ROE 12.93%
ROIC 2.32%
ROA(3y)0.99%
ROA(5y)0.83%
ROE(3y)7.82%
ROE(5y)7.51%
ROIC(3y)1.32%
ROIC(5y)1.4%
ALG.DE Yearly ROA, ROE, ROICALG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

1.3 Margins

ALG has a Profit Margin (11.45%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of ALG has declined.
With a Operating Margin value of 11.82%, ALG perfoms like the industry average, outperforming 53.19% of the companies in the same industry.
In the last couple of years the Operating Margin of ALG has declined.
ALG has a better Gross Margin (66.39%) than 61.70% of its industry peers.
In the last couple of years the Gross Margin of ALG has declined.
Industry RankSector Rank
OM 11.82%
PM (TTM) 11.45%
GM 66.39%
OM growth 3Y18.82%
OM growth 5Y-1.86%
PM growth 3Y50.69%
PM growth 5Y-3.82%
GM growth 3Y-5.23%
GM growth 5Y-2.46%
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 20 40 60 80

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2

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ALG is destroying value.
The number of shares outstanding for ALG remains at a similar level compared to 1 year ago.
The number of shares outstanding for ALG has been increased compared to 5 years ago.
ALG has a better debt/assets ratio than last year.
ALG.DE Yearly Shares OutstandingALG.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 50M 100M 150M 200M 250M

2.2 Solvency

Based on the Altman-Z score of 0.48, we must say that ALG is in the distress zone and has some risk of bankruptcy.
ALG has a Altman-Z score of 0.48. This is in the lower half of the industry: ALG underperforms 70.21% of its industry peers.
ALG has a debt to FCF ratio of 17.46. This is a negative value and a sign of low solvency as ALG would need 17.46 years to pay back of all of its debts.
ALG has a worse Debt to FCF ratio (17.46) than 65.96% of its industry peers.
ALG has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
ALG has a worse Debt to Equity ratio (3.41) than 80.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF 17.46
Altman-Z 0.48
ROIC/WACC0.69
WACC3.39%
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 0 50M -50M 100M

2.3 Liquidity

A Current Ratio of 1.09 indicates that ALG should not have too much problems paying its short term obligations.
With a Current ratio value of 1.09, ALG perfoms like the industry average, outperforming 46.81% of the companies in the same industry.
ALG has a Quick Ratio of 1.09. This is a normal value and indicates that ALG is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.09, ALG perfoms like the industry average, outperforming 53.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.09
Quick Ratio 1.09
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 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.89% over the past year.
Measured over the past 5 years, ALG shows a small growth in Earnings Per Share. The EPS has been growing by 0.74% on average per year.
ALG shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.38%.
Measured over the past years, ALG shows a small growth in Revenue. The Revenue has been growing by 7.50% on average per year.
EPS 1Y (TTM)17.89%
EPS 3Y59.06%
EPS 5Y0.74%
EPS Q2Q%-2.96%
Revenue 1Y (TTM)29.38%
Revenue growth 3Y8.8%
Revenue growth 5Y7.5%
Sales Q2Q%16.51%

3.2 Future

ALG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.18% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y35.29%
EPS Next 2Y16.32%
EPS Next 3Y12.18%
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 accelerating.
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 10M 20M 30M
ALG.DE Yearly EPS VS EstimatesALG.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.95, the valuation of ALG can be described as correct.
ALG's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 28.98. ALG is valued rather cheaply when compared to this.
ALG is valuated reasonably with a Price/Forward Earnings ratio of 11.71.
The rest of the industry has a similar Price/Forward Earnings ratio as ALG.
When comparing the Price/Forward Earnings ratio of ALG to the average of the S&P500 Index (21.38), we can say ALG is valued slightly cheaper.
Industry RankSector Rank
PE 12.95
Fwd PE 11.71
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ALG is on the same level as its industry peers.
ALG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ALG is cheaper than 80.85% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.46
EV/EBITDA 36.37
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ALG's earnings are expected to grow with 12.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.37
PEG (5Y)17.55
EPS Next 2Y16.32%
EPS Next 3Y12.18%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.84%, ALG has a reasonable but not impressive dividend return.
ALG's Dividend Yield is a higher than the industry average which is at 3.96.
Compared to the average S&P500 Dividend Yield of 2.46, ALG is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.84%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
ALG.DE Yearly Dividends per shareALG.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2024 0.01 0.02 0.03 0.04 0.05

5.3 Sustainability

DP0%
EPS Next 2Y16.32%
EPS Next 3Y12.18%
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 0 -20M -40M -60M

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ALBIS LEASING AG

FRA:ALG (4/25/2025, 7:00:00 PM)

2.72

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)05-15 2025-05-15/amc
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners92.87%
Ins Owner ChangeN/A
Market Cap57.66M
Analysts45.71
Price Target2.96 (8.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.84%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)15%
EPS NY rev (3m)15%
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 12.95
Fwd PE 11.71
P/S 1.49
P/FCF 5.46
P/OCF 5.43
P/B 1.68
P/tB 2.78
EV/EBITDA 36.37
EPS(TTM)0.21
EY7.72%
EPS(NY)0.23
Fwd EY8.54%
FCF(TTM)0.5
FCFY18.3%
OCF(TTM)0.5
OCFY18.4%
SpS1.83
BVpS1.62
TBVpS0.98
PEG (NY)0.37
PEG (5Y)17.55
Profitability
Industry RankSector Rank
ROA 1.89%
ROE 12.93%
ROCE 2.87%
ROIC 2.32%
ROICexc 2.51%
ROICexgc 2.76%
OM 11.82%
PM (TTM) 11.45%
GM 66.39%
FCFM 27.2%
ROA(3y)0.99%
ROA(5y)0.83%
ROE(3y)7.82%
ROE(5y)7.51%
ROIC(3y)1.32%
ROIC(5y)1.4%
ROICexc(3y)1.46%
ROICexc(5y)1.52%
ROICexgc(3y)1.62%
ROICexgc(5y)1.69%
ROCE(3y)1.63%
ROCE(5y)1.72%
ROICexcg growth 3Y26.75%
ROICexcg growth 5Y0.78%
ROICexc growth 3Y27.14%
ROICexc growth 5Y1.3%
OM growth 3Y18.82%
OM growth 5Y-1.86%
PM growth 3Y50.69%
PM growth 5Y-3.82%
GM growth 3Y-5.23%
GM growth 5Y-2.46%
F-Score6
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF 17.46
Debt/EBITDA 18.52
Cap/Depr 3.21%
Cap/Sales 0.14%
Interest Coverage 19.2
Cash Conversion 167.62%
Profit Quality 237.54%
Current Ratio 1.09
Quick Ratio 1.09
Altman-Z 0.48
F-Score6
WACC3.39%
ROIC/WACC0.69
Cap/Depr(3y)5.05%
Cap/Depr(5y)123.21%
Cap/Sales(3y)0.33%
Cap/Sales(5y)6.93%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.89%
EPS 3Y59.06%
EPS 5Y0.74%
EPS Q2Q%-2.96%
EPS Next Y35.29%
EPS Next 2Y16.32%
EPS Next 3Y12.18%
EPS Next 5YN/A
Revenue 1Y (TTM)29.38%
Revenue growth 3Y8.8%
Revenue growth 5Y7.5%
Sales Q2Q%16.51%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y11.04%
EBIT growth 3Y29.27%
EBIT growth 5Y5.5%
EBIT Next Year77.49%
EBIT Next 3Y31.29%
EBIT Next 5YN/A
FCF growth 1Y184.79%
FCF growth 3Y248.2%
FCF growth 5YN/A
OCF growth 1Y183.24%
OCF growth 3Y153.61%
OCF growth 5YN/A