ALBIS Leasing (ALG) AI Stock Analysis

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ALBIS Leasing

(XETRA:ALG)

Select Model

Rating:59Neutral

Price Target:EUR 3.50▲(6.06% Upside)

Action:reiterated

Date:08/18/26

The score is held back primarily by financial risk: a highly leveraged balance sheet and volatile cash flow (notably the sharp deterioration in 2025) offset improving operating profitability. Technicals are supportive with a clear uptrend and positive momentum, while valuation is reasonable with a moderate P/E and ~3.1% dividend yield.

Positive Factors

Asset-based financing modelThe leasing model generates recurring contractual payments and interest income from funded assets. Its focus on SMEs and partner-led distribution provides a scalable basis for originating business across equipment and vehicle financing markets.

Negative Factors

Highly leveraged balance sheetThe debt-heavy capital structure leaves ALG sensitive to refinancing costs, credit-market conditions and portfolio losses. High leverage also limits financial flexibility, making adverse changes in funding access or asset quality more consequential.

ALBIS Leasing (ALG) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 69.94M
Dividend Yield: 3.03%
Average Volume (3M): 2,761
Price to Earnings (P/E): 14.9
Beta (1Y): 0.02
Revenue Growth: 11.01%
EPS Growth: -25.76%
Country: Germany
Employees: 88
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

ALBIS Leasing Business Overview & Revenue Model

Company Description

Established in 1986 and headquartered in Hamburg, Germany, ALBIS Leasing AG, through its various subsidiaries, offers a suite of financial services, including leasing, hire purchase, and rental options, primarily designed for medium-sized businesses...

How the Company Makes Money

ALG makes money primarily by earning leasing and financing income on the assets it funds for customers. Key revenue streams typically include: (1) Lease payments: customers pay periodic installments for the right to use leased assets; these payments...

ALBIS Leasing Financial Statement Overview

Summary

Income statement trends are improving (stronger EBIT and profitability in 2023–2025), but the balance sheet is a major constraint due to high leverage (debt far above equity). Cash flow reliability is weak, with operating/free cash flow collapsing in 2025 after strong 2023–2024 results, lowering confidence in earnings quality.

Income Statement

72Positive

Balance Sheet

38Negative

Cash Flow

34Negative

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	32.86M	31.36M	32.26M	30.51M	26.29M	27.45M
Gross Profit	24.89M	22.98M	17.96M	27.88M	19.66M	19.93M
EBITDA	8.31M	7.15M	7.56M	6.32M	3.32M	3.44M
Net Income	4.64M	4.02M	6.30M	4.52M	1.23M	1.29M
Balance Sheet
Total Assets	239.65M	234.42M	233.66M	233.33M	254.09M	239.60M
Cash, Cash Equivalents and Short-Term Investments	3.19M	7.09M	4.60M	12.54M	21.27M	10.97M
Total Debt	182.24M	179.42M	177.18M	182.53M	205.89M	197.68M
Total Liabilities	199.27M	197.53M	198.22M	201.29M	225.10M	214.41M
Stockholders Equity	40.35M	36.86M	35.41M	32.01M	28.95M	25.16M
Cash Flow
Free Cash Flow	-3.27M	194.00K	3.92M	17.22M	-753.00K	-7.51M
Operating Cash Flow	-3.26M	293.00K	3.95M	17.31M	-634.00K	-7.43M
Investing Cash Flow	-32.00K	-143.00K	200.00K	306.00K	-120.00K	-84.00K
Financing Cash Flow	3.69M	145.00K	-8.75M	-24.02M	6.73M	7.51M

ALBIS Leasing Technical Analysis

Technical Analysis SentimentPositive

Last Price3.30

Price Trends

50DMA3.28Positive

100DMA3.16Positive

200DMA2.97Positive

Market Momentum

MACD0.01Negative

RSI54.50Neutral

STOCH91.67Negative

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 3.30 is above the 20-day moving average (MA) of 3.27, above the 50-day MA of 3.28, and above the 200-day MA of 2.97, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 54.50 is Neutral, neither overbought nor oversold. The STOCH value of 91.67 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

DE:ALG against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DE:HYQ	73Outperform	EUR 623.25M	20.26	7.96%	―	-9.32%	47.66%
DE:ALG	59Neutral	EUR 69.94M	14.93	12.01%	3.03%	11.01%	-25.76%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
DE:GLJ	41Neutral	EUR 531.91M	7.19	5.80%	3.54%	11.73%	-4.18%

* General Sector Average

Performance Comparison

DE:ALG and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:ALG	ALBIS Leasing	3.30	0.42	14.78%
DE:GLJ	GRENKE AG	11.86	-1.83	-13.37%
DE:HYQ	HYPOPORT AG	92.20	-14.00	-13.18%
DE:EBEN	aifinyo AG	3.49	0.00	0.00%
DE:FF24	Fast Finance24 Holding AG	0.02	-0.02	-52.50%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Aug 18, 2026

ALBIS Leasing AI Stock Analysis