AYV Stock Analysis: Ayvens | PA
Rental & Leasing Services | PA, France | Market Cap: 8.943m EUR | 12M Return: -6.6% | FR0013258662 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.15M
EPS Trend: -14.6%
Qual. Beats: 0
Rev. Trend: 85.0%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 9.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Ayvens is a French-headquartered company listed on Euronext Paris (PA: AYV) that provides service leasing and vehicle fleet management services across Europe, Latin America, and Asia. Its offering spans full-service leasing, fleet management, mobility solutions, consultancy, car auctions, and sale-and-lease-back services, serving both fleet managers and individual drivers. The company was originally incorporated in 1998 as ALD S.A. and rebranded to Ayvens in May 2024, and it continues to operate as a subsidiary of Société Générale.
The service leasing and fleet management sector is characterized by long-term corporate contracts (typically multi-year) and a business model centered on purchasing vehicles, leasing them to clients, and remarketing them through secondary channels such as auctions, which helps manage residual-value risk. In Europe, the industry is concentrated among a few large players, and fleet management services are increasingly bundled with connected-car, telematics, and consulting offerings as corporate clients shift from owning vehicles to outsourcing full mobility programs.
- LeasePlan merger synergies and fleet size exceed acquisition targets
- Used car price normalization pressures remarketing margins and residuals
- ECB rate cuts compress net interest margin on new lease originations
| Net Income: 1.78b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.10 > 0.02 and ΔFCF/TA 5.46 > 1.0 |
| NWC/Revenue: -73.51% < 20% (prev -26.85%; Δ -46.66% < -1%) |
| CFO/TA 0.15 > 3% & CFO 11.0b > Net Income 1.78b |
| Net Debt (34.2b) to EBITDA (13.8b): 2.48 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (783.9m) vs 12m ago -6.23% < -2% |
| Gross Margin: 14.69% > 18% (prev 15.32%; Δ -0.62% > 0.5%) |
| Asset Turnover: 60.78% > 50% (prev 51.43%; Δ 9.34% > 0%) |
| Interest Coverage Ratio: 2.70 > 6 (EBIT TTM 5.08b / Interest Expense TTM 1.88b) |
| A: -0.45 (Total Current Assets 1.92b - Total Current Liabilities 34.2b) / Total Assets 71.2b |
| B: 0.08 (Retained Earnings 5.61b / Total Assets 71.2b) |
| C: 0.07 (EBIT TTM 5.08b / Avg Total Assets 72.2b) |
| D: 0.18 (Book Value of Equity 11.1b / Total Liabilities 60.1b) |
| Altman-Z'' = -2.05 = D |
| DSRI: 1.10 (Receivables 9.95b/7.73b, Revenue 43.9b/37.6b) |
| GMI: 1.04 (GM 15.32% / 14.69%) |
| AQI: 5.10 (AQ_t 0.26 / AQ_t-1 0.05) |
| SGI: 1.17 (Revenue 43.9b / 37.6b) |
| TATA: -0.13 (NI 1.78b - CFO 11.0b) / TA 71.2b) |
| Beneish M = -0.37 (Cap -4..+1) = D |
As of August 30, 2026, the stock is trading at EUR 11.03 with a total of 650,894 shares traded. Over the past week, the price has changed by -3.50%, over one month by -4.75%, over three months by -6.60% and over the past year by -6.60%.
Current recommended Stop Loss: 10.40 (which is 5.7% or 2.6 ATR below the current price).
Ayvens has no consensus analysts rating.
P/E Trailing = 10.0263
P/E Forward = 8.7951
P/S = 0.3555
P/B = 0.8046
Revenue TTM = 43.9b EUR
EBIT TTM = 5.08b EUR
EBITDA TTM = 13.8b EUR
Long Term Debt = 22.1b EUR (from longTermDebt, last quarter)
Short Term Debt = 14.0b EUR (from shortTermDebt, last quarter)
Debt = 36.5b EUR (from shortLongTermDebtTotal, last quarter) + Leases 272.7m
Net Debt = 34.2b EUR (calculated: Debt 36.5b - CCE 2.34b)
Enterprise Value = 43.2b EUR (8.94b + Debt 36.5b - CCE 2.34b)
Interest Coverage Ratio = 2.70 (Ebit TTM 5.08b / Interest Expense TTM 1.88b)
EV/FCF = -6.32x (Enterprise Value 43.2b / FCF TTM -6.83b)
FCF Yield = -15.83% (FCF TTM -6.83b / Enterprise Value 43.2b)
FCF Margin = -15.57% (FCF TTM -6.83b / Revenue TTM 43.9b)
Net Margin = 4.06% (Net Income TTM 1.78b / Revenue TTM 43.9b)
Gross Margin = 14.69% ((Revenue TTM 43.9b - Cost of Revenue TTM 37.4b) / Revenue TTM)
Gross Margin QoQ = 14.72% (prev 14.04%)
Tobins Q-Ratio = 0.61 (Enterprise Value 43.2b / Total Assets 71.2b)
Interest Expense / Debt = 5.14% (Interest Expense 1.88b / Debt 36.5b)
Taxrate = 27.00% (190.3m / 704.8m)
NOPAT = 3.71b (EBIT 5.08b * (1 - 27.00%))
Current Ratio = 0.06 (Total Current Assets 1.92b / Total Current Liabilities 34.2b)
Debt / Equity = 3.29 (Debt 36.5b / totalStockholderEquity, last quarter 11.1b)
Debt / EBITDA = 2.48 (Net Debt 34.2b / EBITDA 13.8b)
Debt / FCF = -5.01 (negative FCF - burning cash) (Net Debt 34.2b / FCF TTM -6.83b)
Total Stockholder Equity = 11.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.47% (Net Income 1.78b / Total Assets 71.2b)
RoE = 15.94% (Net Income TTM 1.78b / Total Stockholder Equity 11.2b)
RoCE = 15.26% (EBIT 5.08b / Capital Employed (Equity 11.2b + L.T.Debt 22.1b))
RoIC = 7.58% (NOPAT 3.71b / Invested Capital 48.9b)
WACC = 4.33% (E(8.94b)/V(45.5b) * Re(6.66%) + D(36.5b)/V(45.5b) * Rd(5.14%) * (1-Tc(0.27)))
Discount Rate = 6.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 1.02 | Cagr: 4.87%
[DCF] Fair Price = unknown (Cash Flow -6.83b)
EPS Correlation: -14.64 | EPS CAGR: -4.94% | SUE: -0.49 | # QB: 0
Revenue Correlation: 84.96 | Revenue CAGR: 36.97% | SUE: 2.48 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.27 | Chg30d=-22.05% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.26 | Chg30d=-1.86% | Revisions=-57% | GrowthEPS=+22.2% | GrowthRev=-0.4%
EPS next Year (2027-12-31): EPS=1.38 | Chg30d=-2.58% | Revisions=-29% | GrowthEPS=+10.1% | GrowthRev=-2.1%
[Analyst] Revisions Ratio: -58% (up=1, down=8)