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Allane SE Investor Presentation 2025
396_rns_2025-11-20_1dd8b616-54dd-401c-8b9a-d678c15f735a.pdf
Investor Presentation
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ALLANE SE
Q3/9M Results 2025
20 November 2025
Disclaimer
This presentation contains certain forward-looking statements relating to the business, financial performance and results of the Allane SE (together with its subsidiaries, the "Company") and/or the industry in which the Company operates. Forward-looking statements, regardless if made orally or in writing, concern future circumstances and results and other statements that are not historical facts, sometimes identified by the words "believes," "expects," "predicts," "intends," "projects," "plans," "estimates," "aims," "foresees," "anticipates," "targets," and similar expressions.
Forward-looking statements, including assumptions, opinions and views of the Company or cited from third party sources, are solely opinions and forecasts which are uncertain and subject to risks. Actual events may differ significantly from any anticipated development due to a number of factors, including without limitation, changes in general economic conditions, in particular economic conditions in the Company's target markets, changes affecting interest rate levels, changes in competition levels, changes in laws and regulations, environmental damages, the potential impact of legal proceedings and actions and the Group's ability to achieve operational synergies from past or future acquisitions. The Company does not guarantee that the assumptions underlying forward-looking statements, regardless if made orally or in writing, are free from errors nor does it accept any responsibility for the future accuracy of opinions or any obligation to update the statements in this presentation to reflect subsequent events. Forward-looking statements are made only as of the date hereof. Neither the delivery of this presentation nor any further discussions of the Company with any of the recipients thereof shall, under any circumstances, create any implication that there has been no change in the affairs of the Company since such date. Consequently, the Company does not undertake any obligation to review, update or confirm investors' expectations or estimates or to release publicly any revisions to any forward-looking statements to reflect events that occur or circumstances that arise in relation to the content of the presentation.
Furthermore, a totally different performance can ensue from an unexpected slump in demand or economic stagnation in our key market Germany and/or in other Western European markets. The actual development can differ materially from the forecasts made in this presentation, in case one of the aforementioned risks or other risks not mentioned here should materialize and/or the assumption on which we have based our forecasts and prospects turn out to be wrong.
This presentation contains summary information only and does not purport to be comprehensive and is not intended to be (and should not be used as) the basis of any analysis or other evaluation. In addition, the information in this presentation is subject to change. No representation or warranty (express or implied) is made as to, and no reliance should be placed on, any information, including projections, estimates, targets and opinions, contained herein, and no liability whatsoever is accepted as to any errors, omissions or misstatements contained herein.
Due to rounding, individual figures in this presentation may not always add up to the total figure.
The presentation is furnished to you solely for your information and may not be reproduced or redistributed, in whole or in part, to any other person.
By accepting this presentation, you acknowledge the foregoing.
Agenda
KPIs and Highlights Q3 2025 01
Financials 9M 2025 02
Outlook 2025 03
Appendix 04
KPIs and Highlights Q3
Group contract portfolio up to 152,500 contracts as of 30 Sept. 2025, Captive Leasing share in new business continues to grow
CONTRACT VOLUME INCREASES
CAPTIVE LEASING SHARE IN NEW BUSINESS
WELL DIVERSIFIED CONTRACT PORTFOLIO1)
[# contracts in '000]
▪ Optimisation of total cost of ownership
Group contract portfolio +6.3% to 152,500 contracts, driven by strong growth in Captive Leasing (+40.6% to 54,900 contracts)
Group contract portfolio1)
| in thousands | 9M 2025 |
Change in % |
|---|---|---|
| Leasing Business Unit | 108.7 | 14.8 |
| Thereof Business segment Online Retail |
24.3 | 0.3 |
| Thereof Business segment Fleet Leasing |
29.5 | -5.9 |
| Thereof Business segment Captive Leasing |
54.9 | 40.6 |
| Fleet Management Business Unit | 43.8 | -10.4 |
| Group total | 152.5 | 6.3 |
Consolidated revenue +13.9% to €629.2m – EBT turns positive at €17.5m driven by higher leasing income and lower risk provisions
Group business performance1)
| in EUR million | 9M 2025 |
Change in % |
|---|---|---|
| Consolidated revenue | 629.2 | 13.9 |
| Thereof operating revenue | 421.9 | 26.9 |
| Thereof sales revenue | 207.3 | -5.7 |
| Earnings before interest, taxes, depreciation | ||
| and amortization (EBITDA) | 304.4 | 29.4 |
| Earnings before taxes (EBT) | 17.5 | >+100.0 |
| Operating return on revenue (%) | 4.1 | +13.7 points |
O2 Financials 9M 2025
Consistent growth in contract portfolio (+6.3%) and revenue (+13.9%) – EBT turnaround to €17.5m marks strong development in 2025
1) Due to rounding it is possible that selected figures do not add up to the overall amount recorded.
2) Including leasing contracts, fleet management contracts, service contracts and order book (contracts for which the leased vehicle has not yet been delivered to the customer).
3) Ratio of earnings before taxes (EBT) to operating revenue
4) EBITDA = Earnings before interest, taxes, depreciation and amortization
EBT improves strongly across business units to €17.5m – Leasing rebounds to €10.9m profit, Fleet Management up significantly to €6.6m
- 1) Due to rounding it is possible that selected figures do not add up to the overall amount recorded.
- 2) Ratio of EBT to operating revenue
- 3) EBITDA = Earnings before interest, taxes, depreciation and amortization
allane mobility group
Leased assets over €2.3bn – Equity +6.7% compared to FY 2024, equity ratio slightly down to 7.3%
1) Due to rounding it is possible that selected figures do not add up to the overall amount recorded.
2) Including liabilities to related parties
3) Bank balances / cash
Balanced maturity profile of the financing
| FINANCIAL LIABILITIES | ||||||
|---|---|---|---|---|---|---|
| (in EUR m) | 2025 | 2026 | 2027 | 2028 | 2029+ | Total |
| Asset backed securities (ABS) | 47.3 | 242.3 | 386.3 | 297.0 | 77.1 | 1,050.0 |
| SCB | 170.0 | 260.0 | 300.0 | 270.0 | 100.0 | 1,100.0 |
| HCBE | - | 26.0 | - | - | - | 26.0 |
| Short term loans (MoneyMarket) | 31.1 | - | - | - | - | 31.1 |
| Total | 2,207.1 | |||||
| Bank balances | 14.0 | |||||
| Net debt | 2,193.1 |
KEY FINANCING INSTRUMENTS
Funding Update:
- The current financing split is around 50% SCB loans and 50% ABS and both are expected to grow equally in the future
- ABS 1 has already reached its maximum line of EUR 1,050m
- ABS 2 with a maximum commitment of EUR 400m is currently planned
- New subordinated loan of EUR 26m from HCBE
Outlook 2025
Management Board expects contract portfolio in the range of 150,000 to 170,000 contracts, operating revenue of €570-620m and EBT €25-35m
Financial forecast for 2025
| Outlook | 30 September 2025 | |
|---|---|---|
| Group contract portfolio (number of contracts) | 150,000 to 170,000 | 152,500 |
| Operating consolidated revenue (in EUR million) | 570 to 620 | 421.9 |
| Earnings before taxes (EBT) (in EUR million) | 25 to 35 | 17.5 |
Appendix
Allane Mobility Group: Revenue and earnings performance 9M 20251)
| in EUR million | 9M 2025 | Change in % |
|---|---|---|
| Operating revenue | 421.9 | 26.9 |
| Sales revenue | 207.3 | -5.7 |
| Revenue | 629.2 | 13.9 |
| thereof Leasing business unit | 607.6 | 13.5 |
| thereof Fleet Management business unit | 21.6 | 26.5 |
| Expenses for vehicle fleet and leased assets | 263.2 | 0.7 |
| Personnel expenses | 42.0 | -1.6 |
| Other operating profit/expenses | -21.5 | 36.5 |
| Earnings before interest, taxes, depreciation and amortization (EBITDA) | 304.4 | 29.4 |
| Depreciation and amortization | 237.7 | 1.0 |
| Financial result | -49.2 | 55.5 |
| Earnings before taxes (EBT) | 17.5 | >+100.0 |
| Operating return on revenue (%)2) | 4.1 | +13.7 points |
| Income taxes | 5.5 | >+100.0 |
| Consolidated net income | 12.0 | >+100.0 |
| Earnings per share – basic and diluted (euros) |
0.58 |
1) Due to rounding it is possible that selected figures do not add up to the overall amount recorded.
2) Ratio of EBT to operating revenue
Contact
Address
Allane SE
Parkring 33/3 D-85748 Garching near Munich
Investor Relations
Allane SE
T. +49 89 7080 81610