ALBIS Leasing (ALG) AI Stock Analysis

• Market Cap: €63.59M
• Dividend Yield: 3.06%
• Average Volume (3M): 1.38K
• Price to Earnings (P/E): 10.2
• Beta (1Y): <0.01
• Revenue Growth: -23.72%
• EPS Growth: 40.60%
• Country: DE
• Employees: 101
• Sector: General
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): 0.12
• Shares Outstanding: 21,195,430
• 10 Day Avg. Volume: 2,033
• 30 Day Avg. Volume: 1,383
• PEG Ratio: 0.21
• Price to Book (P/B): 1.64
• Price to Sales (P/S): 1.80
• P/FCF Ratio: 14.82
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.21
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: €3.00 ▲(0.00% Upside)

The overall stock score of 61 reflects a mixed financial performance with strong profitability but concerns over revenue decline and high leverage. Technical indicators suggest bearish momentum, while the valuation is reasonable with a fair P/E ratio and attractive dividend yield. The absence of earnings call and corporate events data limits further insights.

ALBIS Leasing Business Overview & Revenue Model

Company Description

ALBIS Leasing AG, through its subsidiaries, provides leasing, hire purchase, and rental solutions for medium-sized companies in Germany. The company was founded in 1986 and is based in Hamburg, Germany.

How the Company Makes Money

ALBIS Leasing generates revenue primarily through its leasing contracts, where it charges clients for the use of leased assets over a specified term. The company earns money through monthly or quarterly lease payments, which are structured based on the asset's value, lease duration, and residual value. Additional revenue streams include maintenance services, insurance products, and end-of-lease asset sales. ALG may also engage in partnerships with manufacturers and suppliers to offer bundled leasing solutions, enhancing its market reach and customer base. The company's strong focus on customer service and asset management further contributes to customer retention and recurring revenue.

ALBIS Leasing Financial Statement Overview

Summary

ALBIS Leasing shows strong profitability and operational efficiency with robust gross and net profit margins. However, declining revenue and high leverage pose financial risks. The significant decline in free cash flow further impacts financial health, necessitating focus on revenue growth and leverage management.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	28.77M	32.26M	30.51M	26.29M	27.45M	27.71M
Gross Profit	12.10M	17.96M	27.88M	19.66M	19.93M	21.05M
EBITDA	6.43M	7.56M	6.32M	3.32M	3.44M	3.85M
Net Income	6.25M	6.30M	4.52M	1.23M	1.29M	934.00K
Balance Sheet
Total Assets	234.26M	233.66M	233.33M	254.09M	239.60M	229.29M
Cash, Cash Equivalents and Short-Term Investments	2.79M	4.60M	12.54M	21.27M	10.97M	10.22M
Total Debt	176.47M	177.18M	182.53M	205.89M	197.68M	187.63M
Total Liabilities	196.41M	198.22M	201.29M	225.10M	214.41M	204.88M
Stockholders Equity	37.81M	35.41M	32.01M	28.95M	25.16M	24.39M
Cash Flow
Free Cash Flow	2.17M	3.92M	17.22M	-753.00K	-7.51M	-259.00K
Operating Cash Flow	2.27M	3.95M	17.31M	-634.00K	-7.43M	522.00K
Investing Cash Flow	-24.00K	200.00K	306.00K	-120.00K	-84.00K	-295.00K
Financing Cash Flow	-11.13M	-8.75M	-24.02M	6.73M	7.51M	49.00K

ALBIS Leasing Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 is above the 20-day moving average (MA) of 2.98, below the 50-day MA of 3.00, and above the 200-day MA of 2.92, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 53.22 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, 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
ALG	61 Neutral	€63.59M	10.18	17.31%	3.06%	-23.72%	40.60%
GLJ	59 Neutral	€743.00M	11.20	5.50%	2.63%	16.74%	-22.66%
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
LRND	48 Neutral	€42.97M	12.50	―	―	38.50%	―
TUF	45 Neutral	€10.09M	-18.12	―	―	―	―