Allane SE (LNSX) AI Stock Analysis

• Market Cap: €204.05M
• Dividend Yield: N/A
• Average Volume (3M): 86.00
• Price to Earnings (P/E): ―
• Beta (1Y): -0.11
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: DE
• Employees: 703
• Sector: Industrials
• Sector Strength: 72
• Industry: Rental & Leasing Services
• EPS (TTM): 0.42
• Shares Outstanding: 20,611,591
• 10 Day Avg. Volume: 53
• 30 Day Avg. Volume: 86
• PEG Ratio: <0.01
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 0.25
• P/FCF Ratio: -0.24
• 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): N/A
• Revenue Forecast (FY): N/A

• Rating: 41 Neutral
• Price Target: €8.50 ▼(-4.49% Downside)

The score is primarily held back by weak financial quality: a 2024 net loss, sharply increased leverage, and severe negative operating/free cash flow that elevates balance-sheet risk. Technicals are also unfavorable with a clear downtrend, despite oversold readings. Valuation provides limited offset because the negative P/E is driven by losses and no dividend yield is available.

Positive Factors

Revenue Growth

A very large 2024 revenue upswing evidences strong demand traction and successful customer or fleet origination initiatives. Durable top-line momentum can support scale economics, better supplier terms and larger remarketing pools over the next several quarters.

Improving Gross and EBITDA Margins

Margin improvement signals pricing power, better contract mix, or operational leverage as the fleet and contract base grows. Sustained higher gross/EBITDA margins would enhance resilience to cost pressures and provide room to cover financing costs over time.

Recurring Leasing Business Model

Core leasing contracts generate recurring monthly cash flows, plus service and remarketing income. This multi‑stream model yields predictable contract revenue, aids customer retention and provides long‑term optionality from used‑car remarketing and ancillary services.

Negative Factors

Very High Leverage

Debt towering over equity creates material refinancing and solvency risk if earnings or used‑car prices deteriorate. Elevated leverage limits strategic flexibility, raises interest sensitivity, and reduces the company’s ability to absorb further operational setbacks over months.

Severely Negative Operating and Free Cash Flow

Deep cash outflows despite EBITDA strength imply cash-intensive fleet growth or working capital stress. Persistent negative OCF/FCF heightens refinancing needs, forces higher borrowing or asset sales, and can impair investment in remarketing or service capabilities over the medium term.

Net Loss and Weak Bottom‑Line Conversion

Despite strong revenue growth and better EBITDA margins, the net loss indicates heavy non‑operating charges, depreciation or financing costs that erode equity. Continued negative net income will impede rebuilding reserves and constrain capital structure repair over upcoming quarters.

Allane SE Business Overview & Revenue Model

Company Description

Allane SE, together with its subsidiaries, engages in the vehicle leasing business in Germany, Austria, Switzerland, France, and the Netherlands. It operates in four segments: Online Retail, Fleet Leasing, Captive Leasing, and Fleet Management. The company provides lease financing and related services for corporate customers that include cross-manufacturer online configuration, vehicle selection advisory, online approval procedure, vehicle procurement, vehicle maintenance, tire changing, breakdown and claims assistance, and claims management comprising insurance processing; and manages fuel cards, vehicle taxes, and radio license fees. It also operates an online retail business that serves private and commercial customers through sixt-neuwagen.de and autohaus24.de websites, as well as offers maintenance, wear and tear, inspection, tire, and insurance packages. In addition, the company manages vehicle fleets for medium-sized companies and international corporations; and sells used vehicles. Further, it provides FleetIntelligence, a cloud application for vehicle fleet analysis; Multibid Configurator for configuring fleet vehicles, comparing them with alternative vehicles, and carrying out tenders for vehicles; and My-Allane application for performing vehicle-related tasks, such as booking workshop appointments, as well as supports digital communication between fleet managers and company car users. The company was formerly known as Sixt Leasing SE and changed its name to Allane SE in August 2021. The company was founded in 1967 and is based in Garching bei München, Germany. Allane SE is a subsidiary of Hyundai Capital Bank Europe GmbH.

How the Company Makes Money

Allane SE Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	824.20M	747.28M	619.24M	571.12M	740.45M
Gross Profit	478.53M	403.42M	301.15M	270.18M	270.72M
EBITDA	392.86M	322.33M	221.38M	185.60M	184.46M
Net Income	-3.15M	-39.21M	8.85M	9.02M	5.84M
Balance Sheet
Total Assets	2.76B	2.44B	1.67B	1.22B	1.19B
Cash, Cash Equivalents and Short-Term Investments	14.58M	8.08M	5.19M	5.17M	1.66M
Total Debt	0.00	1.96B	1.17B	805.91M	802.00M
Total Liabilities	2.56B	2.25B	1.44B	983.09M	974.63M
Stockholders Equity	206.58M	194.52M	235.90M	228.03M	219.45M
Cash Flow
Free Cash Flow	-466.08M	-781.43M	-353.01M	7.39M	141.81M
Operating Cash Flow	-459.45M	-772.96M	-339.24M	14.13M	157.91M
Investing Cash Flow	-3.97M	-6.93M	-12.58M	-6.73M	-16.09M
Financing Cash Flow	444.26M	782.08M	351.80M	-1.87M	-142.20M

Allane SE Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VIH1	81 Outperform	€321.29M	8.09	4.48%	0.39%	20.83%	-54.40%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
LNSX	41 Neutral	€204.05M	-6.23	-15.29%	―	―	―