(ALG) ALBIS Leasing - Ratings and Ratios
Leasing, Financing, Rentals
Description: ALG ALBIS Leasing
ALBIS Leasing AG is a German company that specializes in providing leasing, hire purchase, and rental solutions to medium-sized businesses, leveraging e-commerce platforms to facilitate transactions. The companys diverse portfolio caters to various industries, including e-bikes and bicycles, catering supplies, business equipment, warehouse logistics, IT, office machines, and forestry and garden technology. With a history dating back to 1986, ALBIS Leasing AG has established itself as a significant player in the consumer finance sector, headquartered in Hamburg, Germany.
From a market perspective, ALBIS Leasing AGs stock (ALG) is listed on XETRA, with a market capitalization of approximately 58.08 million EUR. The companys financial performance is reflected in its return on equity (RoE) of 81.04%, indicating a high level of profitability. The price-to-earnings (P/E) ratio stands at 13.05, suggesting a relatively stable valuation.
Technically, the stock is currently trading at 2.74 EUR, with short-term moving averages (SMA20 and SMA50) indicating a stable trend around 2.75 EUR. The long-term SMA200 at 2.71 EUR provides a bullish underlying trend indication. The average true range (ATR) of 0.03 EUR or 1.12% suggests moderate volatility. Given the 52-week high and low range of 2.86 EUR to 2.08 EUR, the stock is currently positioned near the lower end of its recent trading range, potentially indicating a buying opportunity.
Forecasting future performance, we can analyze the convergence of fundamental and technical indicators. With a stable P/E ratio and high RoE, ALBIS Leasing AG demonstrates solid financial health. The technical indicators suggest a potential upward trajectory, as the stock price is near its SMA20 and SMA50, and above its SMA200. Assuming the company maintains its financial performance and the overall market conditions remain favorable, a potential price target could be near the 52-week high of 2.86 EUR, representing a 4.4% upside from the current price. However, this forecast is contingent upon the absence of significant market downturns or company-specific negative events.
ALG Stock Overview
| Market Cap in USD | 76m |
| Sub-Industry | Consumer Finance |
| IPO / Inception |
ALG Stock Ratings
| Growth Rating | 18.7% |
| Fundamental | 71.3% |
| Dividend Rating | 44.5% |
| Return 12m vs S&P 500 | 8.61% |
| Analyst Rating | - |
ALG Dividends
| Dividend Yield 12m | 3.12% |
| Yield on Cost 5y | 3.21% |
| Annual Growth 5y | 4.56% |
| Payout Consistency | 36.5% |
| Payout Ratio | 16.8% |
ALG Growth Ratios
| Growth Correlation 3m | 74.7% |
| Growth Correlation 12m | 55.1% |
| Growth Correlation 5y | -41.2% |
| CAGR 5y | 2.01% |
| CAGR/Max DD 5y | 0.04 |
| Sharpe Ratio 12m | -0.21 |
| Alpha | 26.39 |
| Beta | 0.048 |
| Volatility | 5.71% |
| Current Volume | 0.4k |
| Average Volume 20d | 0.4k |
| Stop Loss | 2.8 (-9.7%) |
| Signal | 0.23 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (29.4m TTM) > 0 and > 6% of Revenue (6% = 4.05m TTM) |
| FCFTA 0.09 (>2.0%) and ΔFCFTA 1.74pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 9.01% (prev -49.98%; Δ 58.99pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.09 (>3.0%) and CFO 21.4m <= Net Income 29.4m (YES >=105%, WARN >=100%) |
| Net Debt (172.6m) to EBITDA (24.5m) ratio: 7.06 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (21.2m) change vs 12m ago NaN% (target <= -2.0% for YES) |
| Gross Margin 87.69% (prev 76.66%; Δ 11.03pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 28.89% (prev 11.32%; Δ 17.56pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 55.90 (EBITDA TTM 24.5m / Interest Expense TTM 398.0k) >= 6 (WARN >= 3) |
Altman Z'' 1.09
| (A) 0.03 = (Total Current Assets 76.6m - Total Current Liabilities 70.5m) / Total Assets 233.7m |
| (B) 0.04 = Retained Earnings (Balance) 8.84m / Total Assets 233.7m |
| (C) 0.10 = EBIT TTM 22.2m / Avg Total Assets 233.5m |
| (D) 0.15 = Book Value of Equity 30.0m / Total Liabilities 198.2m |
| Total Rating: 1.09 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 71.28
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 9.10% = 4.55 |
| 3. FCF Margin 31.60% = 7.50 |
| 4. Debt/Equity 4.96 = -2.50 |
| 5. Debt/Ebitda 7.19 = -2.50 |
| 6. ROIC - WACC 14.16% = 12.50 |
| 7. RoE 88.33% = 2.50 |
| 8. Rev. Trend 75.15% = 3.76 |
| 9. Rev. CAGR 7.05% = 0.88 |
| 10. EPS Trend -76.31% = -1.91 |
| 11. EPS CAGR -53.87% = -2.50 |
What is the price of ALG shares?
Over the past week, the price has changed by +0.65%, over one month by +1.31%, over three months by +16.00% and over the past year by +27.04%.
Is ALBIS Leasing a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ALG is around 3.22 EUR . This means that ALG is currently overvalued and has a potential downside of 3.87%.
Is ALG a buy, sell or hold?
What are the forecasts/targets for the ALG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 2.9 | -6.5% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 3.5 | 13.2% |
ALG Fundamental Data Overview
Market Cap EUR = 65.3m (65.3m EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 6.80m EUR (last quarter)
P/E Trailing = 10.2667
P/S = 2.0507
P/B = 1.8439
Beta = 0.05
Revenue TTM = 67.5m EUR
EBIT TTM = 22.2m EUR
EBITDA TTM = 24.5m EUR
Long Term Debt = 118.7m EUR (from longTermDebt, last quarter)
Short Term Debt = 57.0m EUR (from shortTermDebt, last quarter)
Debt = 175.7m EUR (Calculated: Short Term 57.0m + Long Term 118.7m)
Net Debt = 172.6m EUR (from netDebt column, last quarter)
Enterprise Value = 234.2m EUR (65.3m + Debt 175.7m - CCE 6.80m)
Interest Coverage Ratio = 55.90 (Ebit TTM 22.2m / Interest Expense TTM 398.0k)
FCF Yield = 9.10% (FCF TTM 21.3m / Enterprise Value 234.2m)
FCF Margin = 31.60% (FCF TTM 21.3m / Revenue TTM 67.5m)
Net Margin = 43.54% (Net Income TTM 29.4m / Revenue TTM 67.5m)
Gross Margin = 87.69% ((Revenue TTM 67.5m - Cost of Revenue TTM 8.31m) / Revenue TTM)
Tobins Q-Ratio = 7.80 (Enterprise Value 234.2m / Book Value Of Equity 30.0m)
Interest Expense / Debt = 0.01% (Interest Expense 23.0k / Debt 175.7m)
Taxrate = -8.60% (set to none) (from yearly Income Tax Expense: -499.0k / 5.80m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 1.09 (Total Current Assets 76.6m / Total Current Liabilities 70.5m)
Debt / Equity = 4.96 (Debt 175.7m / last Quarter total Stockholder Equity 35.4m)
Debt / EBITDA = 7.19 (Net Debt 172.6m / EBITDA 24.5m)
Debt / FCF = 8.25 (Debt 175.7m / FCF TTM 21.3m)
Total Stockholder Equity = 33.2m (last 4 quarters mean)
RoA = 12.57% (Net Income 29.4m, Total Assets 233.7m )
RoE = 88.33% (Net Income TTM 29.4m / Total Stockholder Equity 33.2m)
RoCE = 14.64% (Ebit 22.2m / (Equity 33.2m + L.T.Debt 118.7m))
RoIC = 14.16% (Ebit 22.2m / (Assets 233.7m - Current Assets 76.6m))
WACC = unknown (E(65.3m)/V(241.0m) * Re(6.19%)) + (D(175.7m)/V(241.0m) * Rd(0.01%) * (1-Tc(none)))
Shares Correlation 5-Years: 0.0 | Cagr: 0.0%
Discount Rate = 6.19% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 75.11% ; FCFE base≈19.7m ; Y1≈16.2m ; Y5≈11.7m
Fair Price DCF = 10.15 (DCF Value 215.1m / Shares Outstanding 21.2m; 5y FCF grow -21.24% → 3.0% )
Revenue Correlation: 75.15 | Revenue CAGR: 7.05%
Rev Growth-of-Growth: 12.54
EPS Correlation: -76.31 | EPS CAGR: -53.87%
EPS Growth-of-Growth: -152.8