ALD SA (AYV) AI Stock Analysis

• Market Cap: €8.00B
• Dividend Yield: 3.77%
• Average Volume (3M): 485.20K
• Price to Earnings (P/E): 11.7
• Beta (1Y): 1.41
• Revenue Growth: 34.01%
• EPS Growth: -38.78%
• Country: FR
• Employees: 13,092
• Sector: Industrials
• Sector Strength: 89
• Industry: Rental & Leasing Services
• EPS (TTM): 0.24
• Shares Outstanding: 816,960,450
• 10 Day Avg. Volume: 471,919
• 30 Day Avg. Volume: 485,205
• PEG Ratio: 0.11
• Price to Book (P/B): 0.71
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.03
• 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: €10.90
• Price Target Upside: 11.00% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 72 Outperform
• Price Target: €10.50 ▲(6.92%Upside)

The stock's overall score is bolstered by strong technical indicators and reasonable valuation metrics. However, financial performance is hindered by volatility in profitability and high leverage. The absence of recent earnings call insights limits the assessment of future prospects.

ALD SA Business Overview & Revenue Model

Company Description

Ayvens provides service leasing and vehicle fleet management services. Its products and services include full service leasing, fleet management, outsourcing solutions, and sale and lease back; fleet consultancy; and tools and services for fleet managers and drivers. The company is also involved in trading used cars and light commercial vehicles, and the retail sale of vehicles. The company operates in Western Europe, Central and Eastern Europe, Northern Europe, South America, Africa, and Asia. The company was formerly known as ALD S.A. and changed its name to Ayvens in May 2024. The company was incorporated in 1998 and is based in Rueil-Malmaison, France. Ayvens operates as a subsidiary of Société Générale Société anonyme.

How the Company Makes Money

ALD SA makes money primarily through its full-service vehicle leasing and fleet management services. The company's revenue model is based on leasing contracts with corporate clients and individual customers. Revenue streams include leasing fees, fleet management services, and the sale of used vehicles. ALD SA also benefits from strategic partnerships with automotive manufacturers and financial institutions, which enhance its service offerings and market reach. Additionally, the company gains income through value-added services such as maintenance, insurance, and other mobility solutions that are bundled with the leasing contracts.

ALD SA Financial Statement Overview

Summary

ALD SA demonstrates robust revenue growth and operational efficiency, but faces challenges with profitability volatility and high leverage. The cash flow analysis reveals issues with cash management, primarily due to substantial capital expenditures. The company's strong ROE indicates effective usage of equity, but the high debt levels could pose risks if not managed prudently.

Income Statement

ALD SA showed strong revenue growth, with a significant increase in total revenue over the years. However, the gross and net profit margins have been fluctuating, which indicates some instability in profitability. The EBIT and EBITDA margins are decent, reflecting good operational efficiency despite the volatility in net income.

Balance Sheet

The company has a high debt-to-equity ratio, which suggests potential risk due to significant leverage. However, the return on equity has been relatively strong, indicating efficient use of shareholder capital. The equity ratio is low, pointing to a low proportion of equity financing in the asset base.

Cash Flow

ALD SA's cash flow situation is challenging, with negative free cash flow throughout the years. While operating cash flow has been positive in most years, the high capital expenditures have resulted in negative free cash flow, impacting the company's ability to generate cash internally.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	25.35B	18.74B	11.37B	10.44B	9.86B
Gross Profit	2.98B	2.80B	2.20B	1.44B	984.00M
EBITDA	1.25B	7.62B	5.55B	5.03B	4.67B
Net Income	683.60M	816.20M	1.22B	873.00M	509.80M
Balance Sheet
Total Assets	150.23B	70.26B	31.30B	26.99B	25.07B
Cash, Cash Equivalents and Short-Term Investments	5.43B	4.66B	584.70M	533.40M	545.10M
Total Debt	40.14B	37.88B	19.99B	18.64B	17.78B
Total Liabilities	139.07B	58.91B	24.39B	22.15B	20.87B
Stockholders Equity	11.13B	10.83B	6.88B	4.81B	4.16B
Cash Flow
Free Cash Flow	-11.00B	-3.27B	-4.71B	-3.78B	-2.56B
Operating Cash Flow	10.80B	-2.99B	4.95B	5.08B	4.71B
Investing Cash Flow	-12.24B	754.50M	-6.62B	-5.57B	-3.97B
Financing Cash Flow	2.23B	5.71B	1.97B	537.90M	-737.90M

ALD SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.82
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:AYV, the sentiment is Positive. The current price of 9.82 is above the 20-day moving average (MA) of 9.15, above the 50-day MA of 8.92, and above the 200-day MA of 7.30, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 68.08 is Neutral, neither overbought nor oversold. The STOCH value of 91.15 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:AYV.

ALD SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AYV	72 Outperform	€8.00B	11.73	6.23%	3.77%	34.01%	-38.78%
Sector *	67 Neutral	£2.81B	10.38	4.69%	3.47%	2.40%	-24.53%
0J2R		€9.12B	65.94	1.54%	1.21%	―	―
0NPT		€11.52B	10.63	15.80%	3.95%	―	―
ELSSF		$6.84B	15.60	9.66%	2.08%	―	―
0KBZ		€7.78B	23.51	6.11%	4.57%	―	―
0R8M		€8.03B	29.14	13.56%	2.10%	―	―