ALBIS Leasing AGXTER:ALG +2.08%65 Operating Margin % is 20.31% as of Dec. 2025, which is 186% above its 10-year median of 7.10. 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 412 Credit Services companies, ALBIS Leasing AG ranks better than 51.94% on this metric.
ALBIS Leasing AG (XTER:ALG) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
ALBIS Leasing AG Operating Margin % Related Terms
ALBIS Leasing AG Operating Margin % Historical Data
* Premium members only.
The historical data trend for ALBIS Leasing AG's Operating 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.
XTER:ALG vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, ALBIS Leasing AG's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ALBIS Leasing AG's Operating Margin % distribution charts can be found below:
* The bar in red indicates where ALBIS Leasing AG's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
ALBIS Leasing AG's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Operating Margin % of 20.31% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on ALBIS Leasing AG and its competitors. This is 186% above median its historical median of 7.10. According to the industry distribution chart, ALBIS Leasing AG ranks #198 out of 412 companies in the Credit Services industry, placing it in the top 48.1%.
Is ALBIS Leasing AG's Operating Margin % too high?
ALBIS Leasing AG's current Operating Margin % of 20.31% is 186% above median its 10-year median of 7.10. The Credit Services industry median Operating Margin % is 17.33. ALBIS Leasing AG's value of 20.31% is 17.2% above this industry median. Based on the distribution chart, ALBIS Leasing AG ranks #198 out of 412 companies in the Credit Services industry, which is above 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ALBIS Leasing AG ranks #198 out of 412 companies for Operating Margin %. This puts ALBIS Leasing AG in the upper half of its industry. The industry median Operating Margin % is 17.33. ALBIS Leasing AG's value of 20.31% is 17.2% above this benchmark. While the company's 10-year median is 7.10 vs. the industry median of 17.33, ALBIS Leasing AG has consistently been above 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ALBIS Leasing AG's current Operating Margin % of 20.31% is 17.2% above 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on ALBIS Leasing AG and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ALBIS Leasing AG's current Operating Margin % is 20.31%, which is 186% above median its own 10-year median of 7.10. 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 Operating Margin % is 20.31%, which is 186% above median its 10-year median of 7.10 and 17.2% above the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For ALBIS Leasing AG (XTER:ALG), the current Operating Margin % is 20.31% 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:
Operating Margin %: 20.31% (186% above median its 10-year median of 7.10)
GF Value™: €2.61 vs. price of €2.94 (12.6% above fair value)
Industry Position: 17.2% above the Credit Services median (#198 of 412)
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
Get the complete analysis for XTER:ALG
Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTER:ALG has been successfully added to your 
