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L Agence Automobiliere (MLAA) Fair Value & Analysis

Consumer Cyclical · FR · Market cap €2.0M

LA L Agence Automobiliere MLAA · PA
Price€2.00
Fair Value€0.2100
Upside-89.5%
Quality41/100
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Mixed Growth
Thin margins · 0.0% net margin
High debt
Trails peers (0/10)
Narrow moat 23/100
Evidence: Medium Range €0.1500 – €0.2600 Share as image

Fair value as of: Jul 19, 2026

From 9 valuation models · updated 22 days ago

Share price −9.1% over the past month.

Below-average quality, and screening another 90% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (€0.2600). The favourable scenario is already priced in.
  • Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts.
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Price vs Fair Value (5 years)

€10.00 €0.2800 Fair Value €0.2100 Nov 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 19, 2026.

How to read this chart

57‑month range €0.2800 – €10.00 · fair‑value band €0.1500 – €0.2600 · the €2.00 price screens above the €0.2100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.

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Analysis

L Agence Automobiliere (MLAA) currently trades at €2.00, while our model-based Fair Value estimate is €0.2100, implying the stock looks roughly 89.5% overvalued today. The Quality Score stands at 41/100 (below-average quality), in the Consumer Cyclical sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Our scenario range runs from €0.1500 (bear case) to €0.2600 (bull case); at €2.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 38% below its 52-week high and 245% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -14% fair-value upside, at -90%, MLAA screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth-Adj P/E €0.2200 €0.3100 €0.4000 68
P/E Multiple €0.2000 €0.2700 €0.3300 63
Residual Income €0.1400 €0.1400 €0.1300 61
All 9 models by family
Earnings-Based
Graham-Dodd €0.0800 €0.5100 €0.7200 54
Lynch FV €0.1500 €0.2100 €0.2700 50
PEG = 1.0 €0.1500 €0.2100 €0.2700 46
Multiples
P/E Multiple €0.2000 €0.2700 €0.3300 63
P/S Multiple €0.1500 €0.2100 €0.2600 58
P/B Multiple €0.1500 €0.2100 €0.2600 55
Asset-Based
NCAV (Graham) €0.1000 €0.1400 €0.2000 50
Economic Profit
Residual Income €0.1400 €0.1400 €0.1300 61
Growth Earnings
Growth-Adj P/E €0.2200 €0.3100 €0.4000 68

Widest divergence: Growth Earnings (€0.3100) versus Asset-Based (€0.1400). Highest evidence: Growth-Adj P/E (68).

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Quality Score breakdown

Overall quality 41/100

Of which business quality 43 · Market factors (momentum, volatility) 48

Profitability 53
Margins and returns on capital today
Quality Growth 34
Are margins and returns improving?
Fin. Strength 20
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 63
Price trend over the last 3–12 months (market factor)
52W Momentum 77
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

L Agence Automobiliere engages in the purchase and sale of used vehicles. The company also provides funding and vehicle registration services. The company was incorporated in 2004 and is based in Sausheim, France.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2019 – FY2024 · reported fiscal years

L Agence Automobiliere reported revenue of €1.8M in FY2024 versus €1.0M in FY2019, a compound +11.5%/yr. Reported net income was €12.1K in FY2024, compounding −17.1%/yr from FY2019.

Growth Quality 50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2024)
€1.8M
Latest YoY
+4.7%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+11.5%
Revenue +11.5%/yr
FY19 €1.0M
FY20 €976K
FY23 €1.7M
FY24 €1.8M
Net income −17.1%/yr
FY19 €30.9K
FY20 €35.5K
FY23 €46.2K
FY24 €12.1K

MLAA screens 90% overvalued. Compare with Carvana Co →

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Cite: Fair Value Calculator (2026). "L Agence Automobiliere Fair Value". https://www.fairvalue-calculator.com/stock/MLAA

Peer Group

Auto & Truck Dealerships · 102 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 41 · Below median
Fair Value upside −90% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 0% · Below median
Operating margin (TTM) 0% · Bottom 25%
Revenue growth 0% · Below median
Debt / equity 3.39× · Higher than 75% of peers

Valuation Multiples vs Auto & Truck Dealerships median · lower = cheaper

P/B 11.43× · Pricier than 75% of peers
EV/EBITDA 60.4× · Pricier than 75% of peers

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).

Stock Price Fair Value vs Fair Value
Carvana Co CVNA $70.38 $24.58 -65%
Penske Automotive Group PAG $202.66 $241.86 +19%
Hotai Motor Co 2207 476.50 TWD 576.75 TWD +21%
CarMax, Inc KMX $58.47 $29.62 -49%
Lithia Motors, Inc LAD $339.16 $610.95 +80%
AutoNation, Inc AN $205.72 $329.77 +60%
Rush Enterprises, Inc RUSHA $76.89 $66.27 -14%
Valvoline Inc VVV $38.64 $24.57 -36%
OPENLANE, Inc OPLN $39.46 $33.81 -14%
Eagers Automotive Limited APE A$20.83 A$17.66 -15%

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Frequently asked questions

Is L Agence Automobiliere (MLAA) overvalued or undervalued?
As of Jul 19, 2026, our model estimates a fair value of €0.2100 versus a price of €2.00, about −90% (overvalued).
What is the fair value of MLAA?
Our model-based fair value for L Agence Automobiliere is €0.2100 (as of Jul 19, 2026), built from audited fundamentals. The current price is €2.00.
What is the quality score of MLAA?
L Agence Automobiliere has a Quality Score of 41/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the net profit margin of MLAA?
The net profit margin of L Agence Automobiliere is about 0.0%, meaning it keeps roughly 0.0% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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