GRENKE AG (GLJ.DE) Fundamental Analysis & Valuation

FRA:GLJ • DE000A161N30

13.85 EUR
-0.09 (-0.65%)
Last: Mar 6, 2026, 02:13 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This GLJ.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

GLJ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 55 industry peers in the Financial Services industry. GLJ has a bad profitability rating. Also its financial health evaluation is rather negative. GLJ is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. GLJ.DE Profitability Analysis

1.1 Basic Checks

  • In the past year GLJ was profitable.
  • GLJ had a negative operating cash flow in the past year.
  • 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.
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

  • The Return On Assets of GLJ (0.58%) is comparable to the rest of the industry.
  • GLJ has a Return On Equity (3.74%) which is in line with its industry peers.
  • GLJ has a worse Return On Invested Capital (1.03%) than 61.82% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for GLJ 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

  • With a Profit Margin value of 5.69%, GLJ perfoms like the industry average, outperforming 47.27% of the companies in the same industry.
  • GLJ's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 9.01%, GLJ perfoms like the industry average, outperforming 43.64% of the companies in the same industry.
  • GLJ's Operating Margin has declined in the last couple of years.
  • GLJ has a better Gross Margin (71.10%) than 74.55% of its industry peers.
  • In the last couple of years the Gross Margin of GLJ has declined.
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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3

2. GLJ.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so GLJ is still creating some value.
  • Compared to 1 year ago, GLJ has less shares outstanding
  • Compared to 5 years ago, GLJ has less shares outstanding
  • The debt/assets ratio for GLJ is higher compared to a year ago.
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

  • GLJ has an Altman-Z score of 0.44. This is a bad value and indicates that GLJ is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of GLJ (0.44) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 3.41 is on the high side and indicates that GLJ has dependencies on debt financing.
  • With a Debt to Equity ratio value of 3.41, GLJ is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z 0.44
ROIC/WACC0.53
WACC1.95%
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.
  • Looking at the Current ratio, with a value of 1.32, GLJ is in line with its industry, outperforming 49.09% of the companies in the same industry.
  • A Quick Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
  • The Quick ratio of GLJ (1.32) is comparable to the rest of the 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. GLJ.DE Growth Analysis

3.1 Past

  • GLJ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.94%.
  • 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.
  • 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 17.41% on average per year.
  • The Revenue is expected to grow by 12.01% on average over the next years. This is quite good.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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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4

4. GLJ.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.04 indicates a correct valuation of GLJ.
  • Compared to the rest of the industry, the Price/Earnings ratio of GLJ is on the same level as its industry peers.
  • GLJ is valuated cheaply when we compare the Price/Earnings ratio to 26.69, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 7.53, which indicates a rather cheap valuation of GLJ.
  • 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.
  • GLJ is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.04
Fwd PE 7.53
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

  • 63.64% of the companies in the same industry are cheaper than GLJ, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 64.31
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

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

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

5

5. GLJ.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.75%, GLJ has a reasonable but not impressive dividend return.
  • GLJ's Dividend Yield is a higher than the industry average which is at 2.26.
  • 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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GLJ.DE Fundamentals: All Metrics, Ratios and Statistics

GRENKE AG

FRA:GLJ (3/6/2026, 2:13:35 PM)

13.85

-0.09 (-0.65%)

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 Cap644.02M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78
Price Target21.45 (54.87%)
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 12.04
Fwd PE 7.53
P/S 0.72
P/FCF N/A
P/OCF N/A
P/B 0.47
P/tB 0.53
EV/EBITDA 64.31
EPS(TTM)1.15
EY8.3%
EPS(NY)1.84
Fwd EY13.27%
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
WACC1.95%
ROIC/WACC0.53
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 12.04 and the Price/Book (PB) ratio is 0.47.


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.