ALBIS Leasing AGXTER:ALG +2.08%65 Net Margin % is 9.95% as of Dec. 2025, which is 29% below its 10-year median of 13.96. GuruFocus rates XTER:ALG with a GF Score™ of 65/100 and a GF Value™ of €2.61 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 534 Credit Services companies, ALBIS Leasing AG ranks worse than 53.18% on this metric.
The historical rank and industry rank for ALBIS Leasing AG's Net Margin % or its related term are showing as below:
XTER:ALG'
s Net Margin % Range Over the Past 10 Years
Min: 4.15 Med: 13.96 Max: 22.84
Current: 13.36
XTER:ALG's Net Margin % is ranked worse than 53.18% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs XTER:ALG: 13.36
ALBIS Leasing AG (XTER:ALG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
ALBIS Leasing AG Net Margin % Related Terms
ALBIS Leasing AG Net Margin % Historical Data
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The historical data trend for ALBIS Leasing AG's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, ALBIS Leasing AG's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ALBIS Leasing AG Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ALBIS Leasing AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where ALBIS Leasing AG's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ALBIS Leasing AG (XTER:ALG) has a Net Margin % of 9.95% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on ALBIS Leasing AG and its competitors. This is 29% below median its historical median of 13.96. Over the past decade, ALBIS Leasing AG's Net Margin % has ranged from 4.15 to 22.84. According to the industry distribution chart, ALBIS Leasing AG ranks #284 out of 534 companies in the Credit Services industry, placing it in the top 53.2%.
Is ALBIS Leasing AG's Net Margin % too high?
ALBIS Leasing AG's current Net Margin % of 9.95% is 29% below median its 10-year median of 13.96. Over the past 10 years, this metric has ranged from a low of 4.15 to a high of 22.84. The Credit Services industry median Net Margin % is 14.52. ALBIS Leasing AG's value of 9.95% is 31.5% below this industry median. Based on the distribution chart, ALBIS Leasing AG ranks #284 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, ALBIS Leasing AG has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ALBIS Leasing AG's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ALBIS Leasing AG ranks #284 out of 534 companies for Net Margin %. This places ALBIS Leasing AG in the lower half of its industry. The industry median Net Margin % is 14.52. ALBIS Leasing AG's value of 9.95% is 31.5% below this benchmark. Historically, ALBIS Leasing AG's own Net Margin % has ranged from 4.15 to 22.84 over the past decade. While the company's 10-year median is 13.96 vs. the industry median of 14.52, ALBIS Leasing AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ALBIS Leasing AG's current Net Margin % of 9.95% is 31.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on ALBIS Leasing AG and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ALBIS Leasing AG's current Net Margin % is 9.95%, which is 29% below median its own 10-year median of 13.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ALBIS Leasing AG stock overvalued right now?
Based on GuruFocus' analysis, ALBIS Leasing AG (XTER:ALG) is currently considered Modestly Overvalued. The stock's GF Value™ is €2.61, compared to a current price of €2.94 — trading 12.6% above its estimated fair value. The current Net Margin % is 9.95%, which is 29% below median its 10-year median of 13.96 and 31.5% below the Credit Services industry median of 14.52. ALBIS Leasing AG's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For ALBIS Leasing AG (XTER:ALG), the current Net Margin % is 9.95% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ALBIS Leasing AG (XTER:ALG) Overvalued in 2026?
Based on GuruFocus' analysis, ALBIS Leasing AG stock appears to be overvalued.
The current stock price of €2.94 is trading 12.6% above its estimated GF Value™ of €2.61.
GuruFocus considers ALBIS Leasing AG to be Modestly Overvalued.
Key valuation signals for XTER:ALG:
Net Margin %: 9.95% (29% below median its 10-year median of 13.96)
GF Value™: €2.61 vs. price of €2.94 (12.6% above fair value)
Industry Position: 31.5% below the Credit Services median (#284 of 534)
No single metric tells the full story. See the XTER:ALG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ALBIS Leasing AG is in the lease financing services for renewable energy products, forestry, park, and garden equipment; photo and media technology products; catering and food service equipment; crafts equipment; information technology products.
65GF Score
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