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ALBIS Leasing
(XETRA:ALG)
Select Model
Select Model
Rating:59Neutral
Price Target:
€3.50
▲(9.37% 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 model
The 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 sheet
The 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Asset-based financing model
The 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.
Read all positive factors
ALBIS Leasing (ALG) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€69.10M
Dividend Yield3.07%
Average Volume (3M)1.23K
Price to Earnings (P/E)17.1
Beta (1Y)-0.01
Revenue Growth-4.39%
EPS Growth-36.21%
CountryDE
Employees93
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.19
Shares Outstanding21,195,430
10 Day Avg. Volume2,053
30 Day Avg. Volume1,231
Financial Highlights & Ratios
PEG Ratio-0.42
Price to Book (P/B)1.69
Price to Sales (P/S)1.99
P/FCF Ratio321.21
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.24
Revenue Forecast (FY)N/A
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 business...
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 paymen...
ALBIS Leasing Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
38
Negative
Cash Flow
34
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 31.36M | 32.26M | 30.51M | 26.29M | 27.45M |
| Gross Profit | 22.98M | 17.96M | 27.88M | 19.66M | 19.93M |
| EBITDA | 7.15M | 7.56M | 6.32M | 3.32M | 3.44M |
| Net Income | 4.02M | 6.30M | 4.52M | 1.23M | 1.29M |
Balance Sheet | |||||
| Total Assets | 234.42M | 233.66M | 233.33M | 254.09M | 239.60M |
| Cash, Cash Equivalents and Short-Term Investments | 7.09M | 4.60M | 12.54M | 21.27M | 10.97M |
| Total Debt | 179.42M | 177.18M | 182.53M | 205.89M | 197.68M |
| Total Liabilities | 197.53M | 198.22M | 201.29M | 225.10M | 214.41M |
| Stockholders Equity | 36.86M | 35.41M | 32.01M | 28.95M | 25.16M |
Cash Flow | |||||
| Free Cash Flow | 194.00K | 3.92M | 17.22M | -753.00K | -7.51M |
| Operating Cash Flow | 293.00K | 3.95M | 17.31M | -634.00K | -7.43M |
| Investing Cash Flow | -143.00K | 200.00K | 306.00K | -120.00K | -84.00K |
| Financing Cash Flow | 145.00K | -8.75M | -24.02M | 6.73M | 7.51M |
ALBIS Leasing Technical Analysis
Positive
3.20
Price Trends
3.05
Positive
2.91
Positive
2.87
Positive
Market Momentum
0.03
Positive
63.29
Neutral
82.42
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 3.2 is above the 20-day moving average (MA) of 3.18, above the 50-day MA of 3.05, and above the 200-day MA of 2.87, indicating a bullish trend. The MACD of 0.03 indicates Positive momentum. The RSI at 63.29 is Neutral, neither overbought nor oversold. The STOCH value of 82.42 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
UnderperformOutperform
Sector (55)
DE:ALG
ALBIS Leasing
3.26
0.29
9.73%
DE:GLJ
GRENKE AG
12.08
-3.80
-23.92%
DE:HYQ
HYPOPORT
84.65
-53.75
-38.84%
DE:EBEN
aifinyo AG
3.49
0.00
0.00%
DE:FF24
Fast Finance24 Holding AG
0.03
-0.01
-25.00%
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.