ALBIS Leasing (ALG) AI Stock Analysis

• Market Cap: €65.28M
• Dividend Yield: 2.94%
• Average Volume (3M): 1.22K
• Price to Earnings (P/E): 10.4
• Beta (1Y): <0.01
• Revenue Growth: -7.40%
• EPS Growth: 39.43%
• Country: DE
• Employees: 101
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 21,195,430
• 10 Day Avg. Volume: 113
• 30 Day Avg. Volume: 1,215
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €3.50
• Price Target Upside: 14.38% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 65 Neutral
• Price Target: €3.50 ▲(14.38% Upside)

The stock's overall score is driven by strong valuation metrics and robust profitability, offset by concerns regarding financial leverage and revenue decline. Technical indicators suggest caution due to overbought conditions, potentially limiting near-term upside.

ALBIS Leasing Business Overview & Revenue Model

Company Description

ALBIS Leasing (ALG) is a prominent provider of leasing solutions, specializing in the financing of commercial assets across various sectors, including transportation, construction, and industrial equipment. The company offers a wide range of leasing products, including operational leasing, financial leasing, and full-service leasing, catering to the diverse needs of businesses seeking flexible financing options. With a focus on customer-centric solutions, ALBIS Leasing aims to enhance the operational efficiency of its clients while minimizing their capital expenditures.

How the Company Makes Money

ALBIS Leasing generates revenue primarily through leasing contracts, where customers pay periodic lease payments over the duration of the agreement. The company earns income from both operational and financial leasing arrangements, with operational leasing typically involving higher margins due to included maintenance and support services. Additionally, ALG may generate revenue from ancillary services such as asset management, insurance, and financing solutions. Strategic partnerships with manufacturers and suppliers enhance its offerings, allowing ALG to provide tailored solutions that meet specific client needs. The company's ability to leverage its portfolio of leased assets and optimize asset utilization also contributes significantly to its overall earnings.

ALBIS Leasing Financial Statement Overview

Summary

ALBIS Leasing shows strong profitability and operational efficiency with solid margins. However, declining revenue and high leverage pose concerns for financial stability. Cash flow challenges further impact the overall financial health.

Income Statement

The company shows a mixed financial performance. The gross profit margin is robust at 55.7%, indicating efficient cost management. However, the revenue has decreased by 8.8% from the previous year, which is concerning. The net profit margin is strong at 19.5%, reflecting good profitability. Both EBIT and EBITDA margins are healthy at 17.9% and 23.4%, respectively, demonstrating solid operational efficiency.

Balance Sheet

The debt-to-equity ratio is high at 5.0, suggesting significant leverage, which could pose financial risk. However, the return on equity (ROE) is strong at 17.8%, indicating efficient use of equity. The equity ratio stands at 15.2%, which highlights a relatively low equity base compared to total assets, pointing to potential financial vulnerability.

Cash Flow

The free cash flow has declined significantly by 77.3% compared to the previous year, which is a negative indicator. However, the operating cash flow to net income ratio of 0.63 shows a reasonable cash generation from operations. The free cash flow to net income ratio is 0.62, indicating that a fair portion of net income is being converted into free cash flow.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	32.26M	35.39M	26.29M	27.45M	27.71M
Gross Profit	17.96M	32.76M	19.66M	19.93M	21.05M
EBITDA	7.56M	6.32M	3.32M	3.44M	3.85M
Net Income	6.30M	4.52M	1.23M	1.29M	934.00K
Balance Sheet
Total Assets	233.66M	233.33M	254.09M	239.60M	229.29M
Cash, Cash Equivalents and Short-Term Investments	4.60M	12.54M	17.81M	10.97M	10.22M
Total Debt	177.18M	182.53M	205.89M	197.68M	187.63M
Total Liabilities	198.22M	201.29M	225.10M	214.41M	204.88M
Stockholders Equity	35.41M	32.01M	28.95M	25.16M	24.39M
Cash Flow
Free Cash Flow	3.92M	17.22M	-753.00K	-7.51M	-259.00K
Operating Cash Flow	3.95M	17.31M	-634.00K	-7.43M	522.00K
Investing Cash Flow	200.00K	306.00K	-120.00K	-84.00K	-781.00K
Financing Cash Flow	-8.75M	-24.02M	7.59M	8.27M	49.00K

ALBIS Leasing Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.06
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:ALG, the sentiment is Positive. The current price of 3.06 is below the 20-day moving average (MA) of 3.06, above the 50-day MA of 2.88, and above the 200-day MA of 2.72, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 54.87 is Neutral, neither overbought nor oversold. The STOCH value of 42.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:ALG.

ALBIS Leasing Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	66 Neutral	€7.28B	13.20	35.20%	3.67%	2.14%	-121.84%
ALG	65 Neutral	€65.28M	10.36	18.70%	2.94%	-7.40%	39.43%
GLJ	60 Neutral	€870.40M	12.70	4.79%	2.25%	20.20%	-27.97%
LRND	39 Underperform	€33.85M	―		―	―	―