Companies ›Financials ›ALMAN.KW

ALMAN.KW — — Consumer Lending

Alman.Kw

$115,00

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Mcap

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P/E

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EV / Rev

—

Div yield

3,42 %

Op margin

72,0 %

ROE

8,3 %

Net margin

67,8 %

Debt / equity

0,67

Beta

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52w range

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Volume

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Day range

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Prev close

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Open

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Next earnings

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Ex-dividend

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TR 1Y

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About

ALMAN.KW operates in the consumer finance industry, providing banking and investment services to generate revenue through interest income and financial services fees.

Business. ALMAN.KW operates in the consumer finance industry, providing banking and investment services to generate revenue through interest income and financial services fees.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryConsumer Lending

ActivityBanking

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

— missing data

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts

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not yet wired

Ownership

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not yet wired

Profitability→

8,3 %

return on equity

Quality

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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning ALMAN.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to ALMAN.KW. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

ALMAN.KW operates in the consumer finance industry, providing banking and investment services to generate revenue through interest income and financial services fees.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryConsumer Lending

ActivityBanking

AI synthesis

GENERATED

ALMAN.KW maintains a debt-to-equity ratio of 0.67, indicating a relatively conservative capital structure with a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with free cash flow of 2,168,470 KWD and cash and equivalents of 2,573,720 KWD, which is insufficient to cover its long-term debt of 22,072,410 KWD. This suggests potential liquidity constraints in the medium term.

Profitability metrics show a return on equity (ROE) of 8.26% and a return on assets (ROA) of 4.37%. These figures are in line with the industry's preferred metrics for consumer finance firms, which emphasize asset efficiency and capital returns. ALMAN.KW's net income of 2,704,280 KWD and operating income of 2,872,580 KWD reflect strong operational performance relative to its asset base.

The company's revenue is concentrated in a single business segment, as disclosed in its financial statements, with no geographic diversification provided in the available data. This lack of segmental and geographic diversification may expose the company to localized economic or regulatory risks.

Looking ahead, ALMAN.KW is projected to maintain a stable revenue trajectory, with no significant growth or decline expected in the next fiscal year. The company's operating cash flow of 1,254,940 KWD and capital expenditure of -10,110 KWD suggest minimal reinvestment in physical assets, consistent with a service-based business model.

Risk factors include a medium liquidity risk due to the company's inability to cover long-term debt with cash reserves. The dilution risk is assessed as low, with no significant changes in shares outstanding between basic and diluted shares. However, the company's net cash position is negative after subtracting total debt, which could necessitate future financing activities.

Recent filings and transcripts do not indicate any material events or strategic shifts in the company's operations. The company's financial health appears stable, with no immediate signs of distress or aggressive expansion.

Key takeaways

ALMAN.KW maintains a conservative capital structure with a debt-to-equity ratio of 0.67.
The company's ROE of 8.26% and ROA of 4.37% indicate strong profitability relative to its asset base.
ALMAN.KW's liquidity position is medium, with free cash flow insufficient to cover long-term debt.
The company's revenue is concentrated in a single business segment, with no geographic diversification disclosed.
ALMAN.KW is projected to maintain a stable revenue trajectory with no significant growth or decline expected.

Bull / Bear case

analysis pipeline

— missing data

In focus — financials by report

Valuation

Market price

$115,00

Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

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EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

$32.8M

Net cashⓘ

-$19.5M

Current ratioⓘ

—

Debt / equityⓘ

0.7

ROAⓘ

4.4%

ROEⓘ

8.3%

Cash conversionⓘ

46.0%

CapEx / revenueⓘ

-0.2%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

— missing data

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Op Margin72,0 %Above P75

Net Margin67,8 %Best in class

ROE8,3 %Above median

Capex / Rev-0,2 %Above P75

D/E0,67Above median

Cash Conv0,46Above median

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Capex To Revenue
capital_expenditure / revenue
Return On Equity
net_income / total_equity
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income

Source documents

ALMAN.KW Market data — financials · 2026-05-27

Ownership & reference

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

ALMAN.KWCanonical

— · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

— missing data

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread