GRENKE AG (GLJ.DE) Stock Fundamental Analysis
FRA:GLJ - Deutsche Boerse Ag - DE000A161N30 - Common Stock - Currency: EUR
Taking everything into account, GLJ scores 4 out of 10 in our fundamental rating. GLJ was compared to 47 industry peers in the Financial Services industry. Both the profitability and financial health of GLJ have multiple concerns. A decent growth rate in combination with a cheap valuation! Better keep an eye on GLJ.
1. Profitability
1.1 Basic Checks
GLJ had positive earnings in the past year.
In the past year GLJ had a positive cash flow from operations.
GLJ had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: GLJ reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 0.65%, GLJ is not doing good in the industry: 63.83% of the companies in the same industry are doing better.
GLJ has a Return On Equity (4.01%) which is comparable to the rest of the industry.
The Return On Invested Capital of GLJ (1.35%) is worse than 63.83% of its industry peers.
GLJ had an Average Return On Invested Capital over the past 3 years of 1.98%. This is significantly below the industry average of 11.50%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 4.01% | ||
| ROIC | 1.35% |
ROA(3y)1.08%
ROA(5y)1.15%
ROE(3y)5.64%
ROE(5y)6.19%
ROIC(3y)1.98%
ROIC(5y)2.03%
1.3 Margins
GLJ has a Profit Margin (6.55%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of GLJ has declined.
GLJ has a Operating Margin (10.07%) which is in line with its industry peers.
In the last couple of years the Operating Margin of GLJ has declined.
Looking at the Gross Margin, with a value of 72.09%, GLJ is in the better half of the industry, outperforming 65.96% of the companies in the same industry.
GLJ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.07% | ||
| PM (TTM) | 6.55% | ||
| GM | 72.09% |
OM growth 3Y-13.99%
OM growth 5Y-15.56%
PM growth 3Y-19.02%
PM growth 5Y-18.08%
GM growth 3Y-6.92%
GM growth 5Y-4.32%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), GLJ is creating some value.
GLJ has less shares outstanding than it did 1 year ago.
GLJ has less shares outstanding than it did 5 years ago.
GLJ has a worse debt/assets ratio than last year.
2.2 Solvency
GLJ has an Altman-Z score of 0.34. This is a bad value and indicates that GLJ is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.34, GLJ is not doing good in the industry: 74.47% of the companies in the same industry are doing better.
GLJ has a debt to FCF ratio of 19.30. This is a negative value and a sign of low solvency as GLJ would need 19.30 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 19.30, GLJ is doing worse than 63.83% of the companies in the same industry.
A Debt/Equity ratio of 2.52 is on the high side and indicates that GLJ has dependencies on debt financing.
GLJ has a Debt to Equity ratio of 2.52. This is in the lower half of the industry: GLJ underperforms 70.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.52 | ||
| Debt/FCF | 19.3 | ||
| Altman-Z | 0.34 |
ROIC/WACC0.71
WACC1.9%
2.3 Liquidity
A Current Ratio of 1.03 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ has a Current ratio of 1.03. This is comparable to the rest of the industry: GLJ outperforms 40.43% of its industry peers.
GLJ has a Quick Ratio of 1.03. This is a normal value and indicates that GLJ is financially healthy and should not expect problems in meeting its short term obligations.
GLJ's Quick ratio of 1.03 is in line compared to the rest of the industry. GLJ outperforms 48.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
The earnings per share for GLJ have decreased strongly by -34.21% in the last year.
The earnings per share for GLJ have been decreasing by -13.02% on average. This is quite bad
The Revenue has grown by 22.48% in the past year. This is a very strong growth!
Measured over the past years, GLJ shows a small growth in Revenue. The Revenue has been growing by 5.76% on average per year.
EPS 1Y (TTM)-34.21%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%-106.99%
Revenue 1Y (TTM)22.48%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%20.11%
3.2 Future
The Earnings Per Share is expected to grow by 23.61% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.73% on average over the next years. This is quite good.
EPS Next Y12.95%
EPS Next 2Y22.27%
EPS Next 3Y23.61%
EPS Next 5YN/A
Revenue Next Year18.33%
Revenue Next 2Y15.67%
Revenue Next 3Y13.73%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.65, which indicates a very decent valuation of GLJ.
GLJ's Price/Earnings ratio is a bit cheaper when compared to the industry. GLJ is cheaper than 65.96% of the companies in the same industry.
When comparing the Price/Earnings ratio of GLJ to the average of the S&P500 Index (26.34), we can say GLJ is valued rather cheaply.
The Price/Forward Earnings ratio is 6.24, which indicates a rather cheap valuation of GLJ.
89.36% of the companies in the same industry are more expensive than GLJ, based on the Price/Forward Earnings ratio.
GLJ is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 6.24 |
4.2 Price Multiples
61.70% of the companies in the same industry are cheaper than GLJ, based on the Enterprise Value to EBITDA ratio.
93.62% of the companies in the same industry are more expensive than GLJ, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.91 | ||
| EV/EBITDA | 54.5 |
4.3 Compensation for Growth
GLJ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GLJ's earnings are expected to grow with 23.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)N/A
EPS Next 2Y22.27%
EPS Next 3Y23.61%
5. Dividend
5.1 Amount
GLJ has a Yearly Dividend Yield of 2.84%.
Compared to an average industry Dividend Yield of 4.00, GLJ pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, GLJ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
5.2 History
The dividend of GLJ decreases each year by -9.82%.
Dividend Growth(5Y)-9.82%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
39.81% of the earnings are spent on dividend by GLJ. This is a low number and sustainable payout ratio.
DP39.81%
EPS Next 2Y22.27%
EPS Next 3Y23.61%
FRA:GLJ (6/20/2025, 5:29:48 PM)
13.98
+0.24 (+1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners20.4%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap650.07M
Analysts73.33
Price Target20.3 (45.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
Yearly Dividend0.48
Dividend Growth(5Y)-9.82%
DP39.81%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.32%
PT rev (3m)-17.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-18.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 6.24 | ||
| P/S | 0.78 | ||
| P/FCF | 1.91 | ||
| P/OCF | 1.85 | ||
| P/B | 0.48 | ||
| P/tB | 0.49 | ||
| EV/EBITDA | 54.5 |
EPS(TTM)1.2
EY8.58%
EPS(NY)2.24
Fwd EY16.03%
FCF(TTM)7.33
FCFY52.41%
OCF(TTM)7.54
OCFY53.94%
SpS17.84
BVpS29.14
TBVpS28.28
PEG (NY)0.9
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 4.01% | ||
| ROCE | 1.72% | ||
| ROIC | 1.35% | ||
| ROICexc | 1.71% | ||
| ROICexgc | 1.73% | ||
| OM | 10.07% | ||
| PM (TTM) | 6.55% | ||
| GM | 72.09% | ||
| FCFM | 41.06% |
ROA(3y)1.08%
ROA(5y)1.15%
ROE(3y)5.64%
ROE(5y)6.19%
ROIC(3y)1.98%
ROIC(5y)2.03%
ROICexc(3y)2.33%
ROICexc(5y)2.58%
ROICexgc(3y)2.35%
ROICexgc(5y)2.62%
ROCE(3y)2.52%
ROCE(5y)2.59%
ROICexcg growth 3Y-6.98%
ROICexcg growth 5Y-8.43%
ROICexc growth 3Y-6.77%
ROICexc growth 5Y-8.32%
OM growth 3Y-13.99%
OM growth 5Y-15.56%
PM growth 3Y-19.02%
PM growth 5Y-18.08%
GM growth 3Y-6.92%
GM growth 5Y-4.32%
F-Score6
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.52 | ||
| Debt/FCF | 19.3 | ||
| Debt/EBITDA | 30.34 | ||
| Cap/Depr | 34.27% | ||
| Cap/Sales | 1.2% | ||
| Interest Coverage | 1.65 | ||
| Cash Conversion | 311.52% | ||
| Profit Quality | 627.07% | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 | ||
| Altman-Z | 0.34 |
F-Score6
WACC1.9%
ROIC/WACC0.71
Cap/Depr(3y)26.84%
Cap/Depr(5y)32.6%
Cap/Sales(3y)1.19%
Cap/Sales(5y)1.51%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-34.21%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%-106.99%
EPS Next Y12.95%
EPS Next 2Y22.27%
EPS Next 3Y23.61%
EPS Next 5YN/A
Revenue 1Y (TTM)22.48%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%20.11%
Revenue Next Year18.33%
Revenue Next 2Y15.67%
Revenue Next 3Y13.73%
Revenue Next 5YN/A
EBIT growth 1Y-24.93%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year28.04%
EBIT Next 3Y28.46%
EBIT Next 5YN/A
FCF growth 1Y140.53%
FCF growth 3YN/A
FCF growth 5Y32.88%
OCF growth 1Y133.7%
OCF growth 3YN/A
OCF growth 5Y27.82%