GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GLJ - DE000A161N30 - Common Stock
15.56 EUR
-0.12 (-0.77%)
Overall GLJ gets a fundamental rating of 3 out of 10. We evaluated GLJ against 58 industry peers in the Financial Services industry. Both the profitability and financial health of GLJ have multiple concerns. GLJ has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year GLJ was profitable.
- In the past year GLJ has reported a negative cash flow from operations.
- Each year in the past 5 years GLJ has 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
- Looking at the Return On Assets, with a value of 0.58%, GLJ is in line with its industry, outperforming 41.38% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 3.74%, GLJ is in line with its industry, outperforming 56.90% of the companies in the same industry.
- GLJ's Return On Invested Capital of 1.03% is on the low side compared to the rest of the industry. GLJ is outperformed by 62.07% 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 8.80%.
| 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
- Looking at the Profit Margin, with a value of 5.69%, GLJ is in line with its industry, outperforming 50.00% of the companies in the same industry.
- GLJ's Profit Margin has declined in the last couple of years.
- GLJ's Operating Margin of 9.01% is in line compared to the rest of the industry. GLJ outperforms 46.55% of its industry peers.
- GLJ's Operating Margin has declined in the last couple of years.
- GLJ's Gross Margin of 71.10% is fine compared to the rest of the industry. GLJ outperforms 75.86% 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
- GLJ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, GLJ has less shares outstanding
- Compared to 5 years ago, GLJ has less shares outstanding
- Compared to 1 year ago, GLJ has a worse debt to assets ratio.
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 has a Altman-Z score of 0.45. This is in the lower half of the industry: GLJ underperforms 60.34% of its industry peers.
- GLJ has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
- GLJ has a Debt to Equity ratio of 3.41. This is in the lower half of the industry: GLJ underperforms 79.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.45 |
ROIC/WACC0.5
WACC2.07%
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 (1.32) which is comparable to the rest of the industry.
- A Quick Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
- GLJ has a Quick ratio (1.32) which is comparable to the rest of the industry.
| 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.
- Measured over the past years, GLJ shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.02% on average per year.
- Looking at the last year, GLJ shows a quite strong growth in Revenue. The Revenue has grown by 19.53% in the last year.
- 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)-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
- The Earnings Per Share is expected to grow by 17.99% on average over the next years. This is quite good.
- Based on estimates for the next years, GLJ will show a quite strong growth in Revenue. The Revenue will grow by 13.52% on average per year.
EPS Next Y-4.34%
EPS Next 2Y12.59%
EPS Next 3Y17.99%
EPS Next 5YN/A
Revenue Next Year17.05%
Revenue Next 2Y14.78%
Revenue Next 3Y13.52%
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 13.53, which indicates a correct valuation of GLJ.
- 63.79% of the companies in the same industry are more expensive than GLJ, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.47. GLJ is valued rather cheaply when compared to this.
- GLJ is valuated reasonably with a Price/Forward Earnings ratio of 8.19.
- Based on the Price/Forward Earnings ratio, GLJ is valued a bit cheaper than 75.86% of the companies in the same industry.
- GLJ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 8.19 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 63.79% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 65.08 |
4.3 Compensation for Growth
- GLJ's earnings are expected to grow with 17.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.59%
EPS Next 3Y17.99%
5. Dividend
5.1 Amount
- GLJ has a Yearly Dividend Yield of 2.53%. Purely for dividend investing, there may be better candidates out there.
- GLJ's Dividend Yield is a higher than the industry average which is at 1.97.
- Compared to an average S&P500 Dividend Yield of 1.89, GLJ pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
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 2Y12.59%
EPS Next 3Y17.99%
FRA:GLJ (1/16/2026, 7:00:00 PM)
15.56
-0.12 (-0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-07 2026-01-07
Earnings (Next)04-01 2026-04-01
Inst Owners22.61%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap723.54M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78.18
Price Target22.44 (44.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
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%
PT rev (3m)3.94%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.73%
EPS NY rev (3m)-3.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)-0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 8.19 | ||
| P/S | 0.81 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.53 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 65.08 |
EPS(TTM)1.15
EY7.39%
EPS(NY)1.9
Fwd EY12.21%
FCF(TTM)-9.2
FCFYN/A
OCF(TTM)-8.96
OCFYN/A
SpS19.29
BVpS29.34
TBVpS26.26
PEG (NY)N/A
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
WACC2.07%
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 Y-4.34%
EPS Next 2Y12.59%
EPS Next 3Y17.99%
EPS Next 5YN/A
Revenue 1Y (TTM)19.53%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%17.95%
Revenue Next Year17.05%
Revenue Next 2Y14.78%
Revenue Next 3Y13.52%
Revenue Next 5YN/A
EBIT growth 1Y-25.43%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year27.4%
EBIT Next 3Y25.83%
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.
What is the valuation status of GRENKE AG (GLJ.DE) stock?
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 valuation of GRENKE AG based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GRENKE AG (GLJ.DE) is 13.53 and the Price/Book (PB) ratio is 0.53.
Can you provide the expected EPS growth for GLJ stock?
The Earnings per Share (EPS) of GRENKE AG (GLJ.DE) is expected to decline by -4.34% in the next year.