ALBIS Leasing AGFRA:ALG +1.44%64 ROE % is 8.06% as of Dec. 2025, which is 38% below its 10-year median of 13.06. GuruFocus rates FRA:ALG with a GF Score™ of 64/100 and a GF Value™ of €2.59 (Fairly Valued). The stock has 6 warning signs investors should review. Among 529 Credit Services companies, ALBIS Leasing AG ranks better than 66.73% on this metric.
The historical rank and industry rank for ALBIS Leasing AG's ROE % or its related term are showing as below:
FRA:ALG'
s ROE % Range Over the Past 10 Years
Min: 4.53 Med: 13.06 Max: 26.95
Current: 11.06
During the past 13 years, ALBIS Leasing AG's highest ROE % was 26.95%. The lowest was 4.53%. And the median was 13.06%.
FRA:ALG's ROE % is ranked better than 66.73% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs FRA:ALG: 11.06
ALBIS Leasing AG (FRA:ALG) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
ALBIS Leasing AG ROE % Related Terms
ALBIS Leasing AG ROE % Historical Data
* Premium members only.
The historical data trend for ALBIS Leasing AG's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ALBIS Leasing AG's ROE % distribution charts can be found below:
* The bar in red indicates where ALBIS Leasing AG's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
ALBIS Leasing AG (FRA:ALG) has a ROE % of 8.06% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on ALBIS Leasing AG and its competitors. This is 38% below median its historical median of 13.06. Over the past decade, ALBIS Leasing AG's ROE % has ranged from 4.53 to 26.95. According to the industry distribution chart, ALBIS Leasing AG ranks #176 out of 529 companies in the Credit Services industry, placing it in the top 33.3%.
Is ALBIS Leasing AG's ROE % too high?
ALBIS Leasing AG's current ROE % of 8.06% is 38% below median its 10-year median of 13.06. Over the past 10 years, this metric has ranged from a low of 4.53 to a high of 26.95. The Credit Services industry median ROE % is 6.61. ALBIS Leasing AG's value of 8.06% is 21.9% above this industry median. Based on the distribution chart, ALBIS Leasing AG ranks #176 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, ALBIS Leasing AG has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ALBIS Leasing AG's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, ALBIS Leasing AG ranks #176 out of 529 companies for ROE %. This puts ALBIS Leasing AG in the upper half of its industry. The industry median ROE % is 6.61. ALBIS Leasing AG's value of 8.06% is 21.9% above this benchmark. Historically, ALBIS Leasing AG's own ROE % has ranged from 4.53 to 26.95 over the past decade. While the company's 10-year median is 13.06 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ALBIS Leasing AG's current ROE % of 8.06% is 21.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on ALBIS Leasing AG and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ALBIS Leasing AG's current ROE % is 8.06%, which is 38% below median its own 10-year median of 13.06. 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 (FRA:ALG) is currently considered Fairly Valued. The stock's GF Value™ is €2.59, compared to a current price of €2.82 — trading 8.9% above its estimated fair value. The current ROE % is 8.06%, which is 38% below median its 10-year median of 13.06 and 21.9% above the Credit Services industry median of 6.61. ALBIS Leasing AG's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For ALBIS Leasing AG (FRA:ALG), the current ROE % is 8.06% 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 €2.82 is trading 8.9% above its estimated GF Value™ of €2.59.
GuruFocus considers ALBIS Leasing AG to be Fairly Valued.
Key valuation signals for FRA:ALG:
ROE %: 8.06% (38% below median its 10-year median of 13.06)
GF Value™: €2.59 vs. price of €2.82 (8.9% above fair value)
Industry Position: 21.9% above the Credit Services median (#176 of 529)
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.
64GF Score
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