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Lepermislibre SA (ALLPL) AI Stock Analysis

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FR:ALLPL

Lepermislibre SA

(Paris:ALLPL)

Select Model
Rating:41.6Neutral
Price Target:EUR 0.05â–¼(-9.80% Downside)
Action:reiterated
Date:11/13/26

The overall score is severely depressed by the company's negative equity and ongoing cash burn, which pose solvency risks. The persistent revenue decline and bearish technical trend reinforce the weak outlook. While loss margins have narrowed slightly, the lack of profitability and positive catalysts keeps the score at the lower end of the range.

Positive Factors
Gross Margin ImprovementThe improvement in gross margin indicates that the company retained more revenue after direct costs, which could support future operating leverage if maintained. However, the benefit has not yet translated into positive operating earnings, so its durability depends on further cost discipline and revenue stabilization.
Negative Factors
Sharp Revenue ContractionTwo consecutive years of revenue contraction, including a sharp decline in 2025, indicate that demand or pricing pressure is affecting the business rather than reflecting a single temporary setback. Persistent top-line weakness reduces operating leverage, limits reinvestment capacity, and makes a return to profitability more difficult.

Lepermislibre SA (ALLPL) vs. iShares MSCI France ETF (EWQ)

-25%0%25%50%75%100%FR:ALLPL-15.00%EWQ+2.16%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
EUR 619.21K
Dividend Yield
―
Average Volume (3M)
28.43K
Price to Earnings (P/E)
-0.4
Beta (1Y)
2.16
Revenue Growth
―
EPS Growth
―
Country
France
Employees
19
Sector
Consumer Cyclical
Sector Strength
61
Industry
Personal Products & Services

Lepermislibre SA Business Overview & Revenue Model

Company Description

Lepermislibre Société anonyme operates an online driving school in France. It also offers insurance products, including automobile insurance and innovative insurance, such as insured license. The company was incorporated in 2014 and is headquartered...

How the Company Makes Money

null

Lepermislibre SA Financial Statement Overview

Summary

Financial health is distressed with negative equity (-€2.26M) and persistent cash burn, though loss margins are narrowing. The sharp 35.5% revenue decline is a major red flag, offsetting modest improvements in gross margin and debt reduction.

Income Statement

25Negative

Balance Sheet

10Very Negative

Cash Flow

15Very Negative
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue8.45M8.45M13.11M16.80M14.88M12.24M
Gross Profit1.71M1.71M2.05M2.70M14.87M12.24M
EBITDA-1.50M-1.50M-2.22M-3.82M-4.55M-574.36K
Net Income-2.04M-2.04M-2.31M-3.84M-4.51M-631.79K
Balance Sheet
Total Assets3.58M3.58M5.98M10.48M8.81M6.07M
Cash, Cash Equivalents and Short-Term Investments311.88K311.88K1.28M4.93M2.69M155.91K
Total Debt2.00M2.00M2.25M3.22M4.03M1.21M
Total Liabilities5.85M5.85M6.89M9.07M10.60M8.13M
Stockholders Equity-2.26M-2.26M-905.33K1.41M-1.79M-2.07M
Cash Flow
Free Cash Flow-1.39M-1.39M-2.43M-3.60M-4.68M-1.42M
Operating Cash Flow-1.29M-1.29M-2.31M-3.48M-4.51M-1.38M
Investing Cash Flow-105.13K-105.13K-183.28K-341.80K-319.99K-39.13K
Financing Cash Flow422.94K422.94K-1.13M6.03M7.49M152.30K

Lepermislibre SA Technical Analysis

Technical Analysis SentimentNegative
Last Price0.05

Price Trends

50DMA0.05Negative
100DMA0.06Negative
200DMA0.07Negative

Market Momentum

MACD-0.00Negative
RSI44.36Neutral
STOCH31.62Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:ALLPL, the sentiment is Negative. The current price of 0.05 is above the 20-day moving average (MA) of 0.05, below the 50-day MA of 0.05, and below the 200-day MA of 0.07, indicating a bearish trend. The MACD of -0.00 indicates Negative momentum. The RSI at 44.36 is Neutral, neither overbought nor oversold. The STOCH value of 31.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:ALLPL.

Lepermislibre SA Peers Comparison

Overall Rating

UnderperformOutperform
Sector (61)

Financial Indicators

FR:ALLPL against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
FR:ARAMIFR:ARAMI69NeutralEUR 297.46M22.326.58%―-2.22%-44.93%
Sector *61Neutral$18.38B12.79-2.54%3.03%1.52%-15.83%
FR:ALLPLFR:ALLPL42NeutralEUR 1.99M-0.37――――

* Consumer Cyclical Sector Average

Performance Comparison

-50%0%50%FR:ALLPLFR:ARAMIFR:ALBOUFR:MLAAFR:MLARDFR:MLTRODec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
FR:ALLPL and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
FR:ALLPLLepermislibre SA0.05-0.02-26.09%
FR:ARAMIAramis Group SAS3.59-2.58-41.82%
FR:ALBOUBourrelier Group SA67.6025.4060.19%
FR:MLAAL'Agence Automobiliere1.850.052.78%
FR:MLARDLes Motocycles Ardoin Saint Amand & Cie SA Class A210.0040.0023.53%
FR:MLTROTroc de l'Ile SA2.480.000.00%

Lepermislibre SA Corporate Events

Lepermislibre Reports Share Capital and Voting Rights as of October 31

Nov 9, 2026

Lepermislibre said that, as of 31 October 2026, its share capital comprised 39,052,219 shares, carrying 43,216,626 theoretical voting rights and 43,078,099 exercisable voting rights. The company said the theoretical figure includes shares deprived of...

LePERMISLIBRE narrows losses and bets on phygital model amid CPF reform

Oct 30, 2026

LePERMISLIBRE reported a sharp improvement in its first-half 2026 results, cutting operating and net losses by around two-thirds despite a 20% year-on-year revenue decline, thanks to deep cost reductions and a slightly higher gross margin. Activity h...

LePERMISLIBRE plans investor videoconference to present half-year results

Oct 22, 2026

LePERMISLIBRE, the Lyon-based online driving school operator, will present its 2026 half-year results to shareholders and investors in a videoconference scheduled for 2 November 2026 at 6:00 p.m. The session is designed as an interactive forum, with...

Lepermislibre Updates Share Capital and Voting Rights Structure

Oct 6, 2026

Lepermislibre has disclosed its share capital structure as of 30 September 2026, reporting 39,052,219 shares outstanding. The company also detailed 43,216,626 theoretical voting rights and 43,078,099 exercisable voting rights, clarifying the distinct...

LePERMISLIBRE Raises €0.8 Million to Accelerate Expansion of Digital Driving School Network

Sep 28, 2026

LePERMISLIBRE has completed a capital increase of about €0.8 million via an issue of 14.24 million new shares with preferential subscription rights, representing 86.1% of the initially offered securities. Following the transaction, share capital rise...

Lepermislibre to Brief Investors as Capital Increase Progresses

Sep 17, 2026

Lepermislibre SA, the French online driving school pioneer based in Lyon, has built a digital-first model that connects candidates with more than 1,000 state-certified instructors across over 500 cities. Its lower-cost, highly flexible training offer...

LePERMISLIBRE Schedules Investor Videoconference Amid Capital Increase

Sep 15, 2026

LePERMISLIBRE, the French-listed digital driving school platform, is convening a videoconference for individual shareholders and investors on September 17, 2026, amid an ongoing capital increase with preferential subscription rights. Management plans...

Lepermislibre raises capital to accelerate phygital driving school rollout

Sep 9, 2026

Lepermislibre SA has launched a cash capital increase of about EUR 0.91 million, potentially rising to EUR 1.05 million, via a rights issue priced at EUR 0.055 per share and a 2-for-3 subscription ratio, with most of the issue already covered by subs...

Lepermislibre Updates Share Capital and Voting Rights Amid Rapid Digital Growth

Sep 4, 2026

Lepermislibre, a Lyon-based online driving school listed on Euronext Growth Paris, operates a fully digital platform that connects candidates with more than 1,000 certified instructors for Highway Code and category B licence training. Its agile and t...

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: Nov 13, 2026