Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ALBIS Leasing AGFRA:ALG 67 Return-on-Tangible-Asset is 1.36% as of Dec. 2025, which is 27% below its 10-year median of 1.87. GuruFocus rates FRA:ALG with a GF Score™ of 67/100 and a GF Value™ of €2.53. The stock has 6 warning signs investors should review. Among 546 Credit Services companies, ALBIS Leasing AG ranks worse than 51.28% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. ALBIS Leasing AG's annualizedNet Income for the quarter that ended in Dec. 2025 was €3.01 Mil. ALBIS Leasing AG's average total tangible assets for the quarter that ended in Dec. 2025 was €220.75 Mil. Therefore, ALBIS Leasing AG's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.36%.
The historical rank and industry rank for ALBIS Leasing AG's Return-on-Tangible-Asset or its related term are showing as below:
FRA:ALG'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.44 Med: 1.87 Max: 2.45
Current: 1.84
During the past 13 years, ALBIS Leasing AG's highest Return-on-Tangible-Asset was 2.45%. The lowest was 0.44%. And the median was 1.87%.
FRA:ALG's Return-on-Tangible-Asset is ranked worse than 51.28% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs FRA:ALG: 1.84
ALBIS Leasing AG (FRA:ALG) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
ALBIS Leasing AG Return-on-Tangible-Asset Related Terms
ALBIS Leasing AG Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for ALBIS Leasing AG's Return-on-Tangible-Asset 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.
FRA:ALG vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, ALBIS Leasing AG's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ALBIS Leasing AG's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where ALBIS Leasing AG's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.36% mean?
ALBIS Leasing AG (FRA:ALG) has a Return-on-Tangible-Asset of 1.36% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on ALBIS Leasing AG and its competitors. This is 27% below median its historical median of 1.87. Over the past decade, ALBIS Leasing AG's Return-on-Tangible-Asset has ranged from 0.44 to 2.45. According to the industry distribution chart, ALBIS Leasing AG ranks #280 out of 546 companies in the Credit Services industry, placing it in the top 51.3%.
Is ALBIS Leasing AG's Return-on-Tangible-Asset too high?
ALBIS Leasing AG's current Return-on-Tangible-Asset of 1.36% is 27% below median its 10-year median of 1.87. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 2.45. The Credit Services industry median Return-on-Tangible-Asset is 1.93. ALBIS Leasing AG's value of 1.36% is 29.5% below this industry median. Based on the distribution chart, ALBIS Leasing AG ranks #280 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, ALBIS Leasing AG has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does ALBIS Leasing AG's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, ALBIS Leasing AG ranks #280 out of 546 companies for Return-on-Tangible-Asset. This places ALBIS Leasing AG in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.93. ALBIS Leasing AG's value of 1.36% is 29.5% below this benchmark. Historically, ALBIS Leasing AG's own Return-on-Tangible-Asset has ranged from 0.44 to 2.45 over the past decade. While the company's 10-year median is 1.87 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ALBIS Leasing AG's current Return-on-Tangible-Asset of 1.36% is 29.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on ALBIS Leasing AG and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ALBIS Leasing AG's current Return-on-Tangible-Asset is 1.36%, which is 27% below median its own 10-year median of 1.87. 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?
ALBIS Leasing AG (FRA:ALG) has a current Return-on-Tangible-Asset of 1.36%. The stock's GF Value™ is €2.53, compared to a current price of €2.74 — trading 8.3% above its estimated fair value. The current Return-on-Tangible-Asset is 1.36%, which is 27% below median its 10-year median of 1.87 and 29.5% below the Credit Services industry median of 1.93. ALBIS Leasing AG's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For ALBIS Leasing AG (FRA:ALG), the current Return-on-Tangible-Asset is 1.36% 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 (FRA:ALG) Overvalued in 2026?
Based on GuruFocus' analysis, ALBIS Leasing AG stock appears to be overvalued.
The current stock price of €2.74 is trading 8.3% above its estimated GF Value™ of €2.53.
Key valuation signals for FRA:ALG:
Return-on-Tangible-Asset: 1.36% (27% below median its 10-year median of 1.87)
GF Value™: €2.53 vs. price of €2.74 (8.3% above fair value)
Industry Position: 29.5% below the Credit Services median (#280 of 546)
No single metric tells the full story. See the FRA: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.
67GF Score
Get the complete analysis for FRA:ALG
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:ALG has been successfully added to your 
