GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GLJ - DE000A161N30 - Common Stock
15.74 EUR
+0.36 (+2.34%)
Taking everything into account, GLJ scores 3 out of 10 in our fundamental rating. GLJ was compared to 53 industry peers in the Financial Services industry. GLJ may be in some trouble as it scores bad on both profitability and health. GLJ is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GLJ had positive earnings in the past year.
GLJ had a negative operating cash flow in the past year.
In the past 5 years GLJ has always been profitable.
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
GLJ has a Return On Assets (0.58%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 3.74%, GLJ is in line with its industry, outperforming 58.49% of the companies in the same industry.
GLJ has a Return On Invested Capital (1.03%) which is in line with 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 8.63%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 3.74% | ||
| ROIC | 1.03% |
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 (5.69%) which is in line with its industry peers.
In the last couple of years the Profit Margin of GLJ has declined.
GLJ has a Operating Margin (9.01%) which is comparable to the rest of the industry.
GLJ's Operating Margin has declined in the last couple of years.
GLJ has a Gross Margin of 71.10%. This is in the better half of the industry: GLJ outperforms 71.70% of its industry peers.
In the last couple of years the Gross Margin of GLJ has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.01% | ||
| PM (TTM) | 5.69% | ||
| GM | 71.1% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GLJ is destroying value.
The number of shares outstanding for GLJ has been reduced compared to 1 year ago.
GLJ has less shares outstanding than it did 5 years ago.
The debt/assets ratio for GLJ is higher compared to a year ago.
2.2 Solvency
GLJ has an Altman-Z score of 0.45. This is a bad value and indicates that GLJ is not financially healthy and even has some risk of bankruptcy.
GLJ's Altman-Z score of 0.45 is on the low side compared to the rest of the industry. GLJ is outperformed by 64.15% of its industry peers.
A Debt/Equity ratio of 3.41 is on the high side and indicates that GLJ has dependencies on debt financing.
GLJ has a Debt to Equity ratio of 3.41. This is in the lower half of the industry: GLJ underperforms 79.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.45 |
ROIC/WACC0.5
WACC2.08%
2.3 Liquidity
A Current Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ has a Current ratio of 1.32. This is comparable to the rest of the industry: GLJ outperforms 45.28% of its industry peers.
GLJ has a Quick Ratio of 1.32. 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 1.32 is in line compared to the rest of the industry. GLJ outperforms 54.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.32 | ||
| Quick Ratio | 1.32 |
3. Growth
3.1 Past
The earnings per share for GLJ have decreased strongly by -28.94% in the last year.
GLJ shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.02% yearly.
GLJ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.53%.
The Revenue has been growing slightly by 5.76% on average over the past years.
EPS 1Y (TTM)-28.94%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%57.6%
Revenue 1Y (TTM)19.53%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%17.95%
3.2 Future
Based on estimates for the next years, GLJ will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.04% on average per year.
Based on estimates for the next years, GLJ will show a quite strong growth in Revenue. The Revenue will grow by 13.89% on average per year.
EPS Next Y0.1%
EPS Next 2Y15.37%
EPS Next 3Y19.04%
EPS Next 5YN/A
Revenue Next Year17.68%
Revenue Next 2Y15.33%
Revenue Next 3Y13.89%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
With a Price/Earnings ratio of 13.69, GLJ is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of GLJ indicates a somewhat cheap valuation: GLJ is cheaper than 64.15% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. GLJ is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 7.89, which indicates a rather cheap valuation of GLJ.
79.25% of the companies in the same industry are more expensive than GLJ, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 36.56. GLJ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.69 | ||
| Fwd PE | 7.89 |
4.2 Price Multiples
62.26% of the companies in the same industry are cheaper than GLJ, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 65.1 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates GLJ does not grow enough to justify the current Price/Earnings ratio.
GLJ's earnings are expected to grow with 19.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)135.46
PEG (5Y)N/A
EPS Next 2Y15.37%
EPS Next 3Y19.04%
5. Dividend
5.1 Amount
GLJ has a Yearly Dividend Yield of 2.60%.
GLJ's Dividend Yield is a higher than the industry average which is at 3.41.
Compared to an average S&P500 Dividend Yield of 2.32, GLJ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
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
34.61% of the earnings are spent on dividend by GLJ. This is a low number and sustainable payout ratio.
DP34.61%
EPS Next 2Y15.37%
EPS Next 3Y19.04%
FRA:GLJ (11/28/2025, 7:00:00 PM)
15.74
+0.36 (+2.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners20%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap731.91M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78
Price Target21.62 (37.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
Yearly Dividend0.48
Dividend Growth(5Y)-9.82%
DP34.61%
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)0.16%
PT rev (3m)2%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.23%
EPS NY rev (3m)1.23%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.69 | ||
| Fwd PE | 7.89 | ||
| P/S | 0.82 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.54 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | 65.1 |
EPS(TTM)1.15
EY7.31%
EPS(NY)2
Fwd EY12.68%
FCF(TTM)-9.2
FCFYN/A
OCF(TTM)-8.96
OCFYN/A
SpS19.29
BVpS29.34
TBVpS26.26
PEG (NY)135.46
PEG (5Y)N/A
Graham Number27.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 3.74% | ||
| ROCE | 1.32% | ||
| ROIC | 1.03% | ||
| ROICexc | 1.2% | ||
| ROICexgc | 1.23% | ||
| OM | 9.01% | ||
| PM (TTM) | 5.69% | ||
| GM | 71.1% | ||
| FCFM | N/A |
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%
ROICexgc growth 3Y-6.98%
ROICexgc 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-Score3
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 44.12 | ||
| Cap/Depr | 45.64% | ||
| Cap/Sales | 1.25% | ||
| Interest Coverage | 1.65 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.32 | ||
| Quick Ratio | 1.32 | ||
| Altman-Z | 0.45 |
F-Score3
WACC2.08%
ROIC/WACC0.5
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)-28.94%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%57.6%
EPS Next Y0.1%
EPS Next 2Y15.37%
EPS Next 3Y19.04%
EPS Next 5YN/A
Revenue 1Y (TTM)19.53%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%17.95%
Revenue Next Year17.68%
Revenue Next 2Y15.33%
Revenue Next 3Y13.89%
Revenue Next 5YN/A
EBIT growth 1Y-25.43%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year27.06%
EBIT Next 3Y27.73%
EBIT Next 5YN/A
FCF growth 1Y-173.05%
FCF growth 3YN/A
FCF growth 5Y32.88%
OCF growth 1Y-170.22%
OCF growth 3YN/A
OCF growth 5Y27.82%
GRENKE AG / GLJ.DE FAQ
What is the ChartMill fundamental rating of GRENKE AG (GLJ.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to GLJ.DE.
Can you provide the valuation status for GRENKE AG?
ChartMill assigns a valuation rating of 4 / 10 to GRENKE AG (GLJ.DE). This can be considered as Fairly Valued.
How profitable is GRENKE AG (GLJ.DE) stock?
GRENKE AG (GLJ.DE) has a profitability rating of 3 / 10.
What is the expected EPS growth for GRENKE AG (GLJ.DE) stock?
The Earnings per Share (EPS) of GRENKE AG (GLJ.DE) is expected to grow by 0.1% in the next year.
Is the dividend of GRENKE AG sustainable?
The dividend rating of GRENKE AG (GLJ.DE) is 4 / 10 and the dividend payout ratio is 34.61%.