GRENKE AG (GLJ.DE) Stock Fundamental Analysis

FRA:GLJ • DE000A161N30

13.98 EUR
-0.38 (-2.65%)
Last: Mar 3, 2026, 10:05 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, GLJ scores 4 out of 10 in our fundamental rating. GLJ was compared to 55 industry peers in the Financial Services industry. GLJ may be in some trouble as it scores bad on both profitability and health. GLJ has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

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.
  • 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.
GLJ.DE Yearly Net Income VS EBIT VS OCF VS FCFGLJ.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

1.2 Ratios

  • GLJ's Return On Assets of 0.58% is in line compared to the rest of the industry. GLJ outperforms 41.82% of its industry peers.
  • Looking at the Return On Equity, with a value of 3.74%, GLJ is in line with its industry, outperforming 54.55% of the companies in the same industry.
  • The Return On Invested Capital of GLJ (1.03%) is worse than 61.82% 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 8.26%.
Industry RankSector 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%
GLJ.DE Yearly ROA, ROE, ROICGLJ.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • The Profit Margin of GLJ (5.69%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of GLJ has declined.
  • The Operating Margin of GLJ (9.01%) is comparable to the rest of the industry.
  • GLJ's Operating Margin has declined in the last couple of years.
  • With a decent Gross Margin value of 71.10%, GLJ is doing good in the industry, outperforming 74.55% of the companies in the same industry.
  • GLJ's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
GLJ.DE Yearly Profit, Operating, Gross MarginsGLJ.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GLJ is destroying 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.
GLJ.DE Yearly Shares OutstandingGLJ.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
GLJ.DE Yearly Total Debt VS Total AssetsGLJ.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • Based on the Altman-Z score of 0.44, we must say that GLJ is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.44, GLJ perfoms like the industry average, outperforming 41.82% of the companies in the same industry.
  • A Debt/Equity ratio of 3.41 is on the high side and indicates that GLJ has dependencies on debt financing.
  • GLJ has a worse Debt to Equity ratio (3.41) than 80.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z 0.44
ROIC/WACC0.52
WACC1.99%
GLJ.DE Yearly LT Debt VS Equity VS FCFGLJ.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • GLJ has a Current 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 Current ratio of 1.32 is in line compared to the rest of the industry. GLJ outperforms 49.09% 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.
  • With a Quick ratio value of 1.32, GLJ perfoms like the industry average, outperforming 56.36% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.32
Quick Ratio 1.32
GLJ.DE Yearly Current Assets VS Current LiabilitesGLJ.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • The Revenue has grown by 19.53% in the past year. This is quite good.
  • GLJ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.76% yearly.
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

  • GLJ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.41% yearly.
  • Based on estimates for the next years, GLJ will show a quite strong growth in Revenue. The Revenue will grow by 12.01% on average per year.
EPS Next Y-8.05%
EPS Next 2Y10.72%
EPS Next 3Y17.41%
EPS Next 5YN/A
Revenue Next Year16.72%
Revenue Next 2Y13.35%
Revenue Next 3Y12.01%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
GLJ.DE Yearly Revenue VS EstimatesGLJ.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
GLJ.DE Yearly EPS VS EstimatesGLJ.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.16, the valuation of GLJ can be described as correct.
  • GLJ's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of GLJ to the average of the S&P500 Index (27.13), we can say GLJ is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.61, the valuation of GLJ can be described as very cheap.
  • GLJ's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GLJ is cheaper than 76.36% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.11. GLJ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.16
Fwd PE 7.61
GLJ.DE Price Earnings VS Forward Price EarningsGLJ.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 63.64% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 64.49
GLJ.DE Per share dataGLJ.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

  • GLJ's earnings are expected to grow with 17.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.72%
EPS Next 3Y17.41%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • GLJ has a Yearly Dividend Yield of 2.75%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.26, GLJ pays a bit more dividend than its industry peers.
  • GLJ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.75%

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
GLJ.DE Yearly Dividends per shareGLJ.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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 2Y10.72%
EPS Next 3Y17.41%
GLJ.DE Yearly Income VS Free CF VS DividendGLJ.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M
GLJ.DE Dividend Payout.GLJ.DE Dividend Payout, showing the Payout Ratio.GLJ.DE Dividend Payout.PayoutRetained Earnings

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GRENKE AG

FRA:GLJ (3/3/2026, 10:05:54 AM)

13.98

-0.38 (-2.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-07
Earnings (Next)03-12
Inst Owners22.61%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap650.07M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78
Price Target21.45 (53.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.75%
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)-5.85%
PT rev (3m)-0.79%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.14%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.81%
Valuation
Industry RankSector Rank
PE 12.16
Fwd PE 7.61
P/S 0.72
P/FCF N/A
P/OCF N/A
P/B 0.48
P/tB 0.53
EV/EBITDA 64.49
EPS(TTM)1.15
EY8.23%
EPS(NY)1.84
Fwd EY13.15%
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 RankSector 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 RankSector 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 0.44
F-Score3
WACC1.99%
ROIC/WACC0.52
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-8.05%
EPS Next 2Y10.72%
EPS Next 3Y17.41%
EPS Next 5YN/A
Revenue 1Y (TTM)19.53%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%17.95%
Revenue Next Year16.72%
Revenue Next 2Y13.35%
Revenue Next 3Y12.01%
Revenue Next 5YN/A
EBIT growth 1Y-25.43%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year27.52%
EBIT Next 3Y21.38%
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 4 / 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 12.16 and the Price/Book (PB) ratio is 0.48.


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 -8.05% in the next year.