GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - FRA:GLJ - DE000A161N30 - Common Stock
16.2 EUR
+0.06 (+0.37%)
Overall GLJ gets a fundamental rating of 3 out of 10. We evaluated GLJ against 46 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.
1. Profitability
1.1 Basic Checks
In the past year GLJ was profitable.
GLJ had a positive 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
With a Return On Assets value of 0.49%, GLJ is not doing good in the industry: 65.96% of the companies in the same industry are doing better.
With a Return On Equity value of 3.16%, GLJ perfoms like the industry average, outperforming 44.68% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.99%, GLJ is doing worse than 65.96% of the companies in the same industry.
GLJ had an Average Return On Invested Capital over the past 3 years of 1.98%. This is significantly below the industry average of 10.06%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 3.16% | ||
| ROIC | 0.99% |
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 5.07%, GLJ is in line with its industry, outperforming 44.68% of the companies in the same industry.
In the last couple of years the Profit Margin of GLJ has declined.
With a Operating Margin value of 8.44%, GLJ perfoms like the industry average, outperforming 44.68% of the companies in the same industry.
GLJ's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 71.46%, GLJ is doing good in the industry, outperforming 63.83% of the companies in the same industry.
GLJ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.44% | ||
| PM (TTM) | 5.07% | ||
| GM | 71.46% |
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.
GLJ has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, GLJ has less shares outstanding
GLJ has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.40, we must say that GLJ is in the distress zone and has some risk of bankruptcy.
GLJ has a Altman-Z score of 0.40. This is in the lower half of the industry: GLJ underperforms 70.21% of its industry peers.
The Debt to FCF ratio of GLJ is 16.68, which is on the high side as it means it would take GLJ, 16.68 years of fcf income to pay off all of its debts.
GLJ has a Debt to FCF ratio of 16.68. This is in the lower half of the industry: GLJ underperforms 65.96% of its industry peers.
A Debt/Equity ratio of 3.07 is on the high side and indicates that GLJ has dependencies on debt financing.
GLJ has a worse Debt to Equity ratio (3.07) than 82.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.07 | ||
| Debt/FCF | 16.68 | ||
| Altman-Z | 0.4 |
ROIC/WACC0.47
WACC2.12%
2.3 Liquidity
GLJ has a Current Ratio of 1.18. This is a normal value and indicates that GLJ is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of GLJ (1.18) is comparable to the rest of the industry.
A Quick Ratio of 1.18 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ has a Quick ratio (1.18) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.18 | ||
| Quick Ratio | 1.18 |
3. Growth
3.1 Past
GLJ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -47.09%.
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.
The Revenue has grown by 20.58% 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)-47.09%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%-38.33%
Revenue 1Y (TTM)20.58%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%15.94%
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 19.01% yearly.
Based on estimates for the next years, GLJ will show a quite strong growth in Revenue. The Revenue will grow by 13.67% on average per year.
EPS Next Y-1.11%
EPS Next 2Y15.26%
EPS Next 3Y19.01%
EPS Next 5YN/A
Revenue Next Year17.38%
Revenue Next 2Y14.84%
Revenue Next 3Y13.67%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.53, which indicates a correct valuation of GLJ.
GLJ's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of GLJ to the average of the S&P500 Index (27.38), we can say GLJ is valued slightly cheaper.
The Price/Forward Earnings ratio is 8.13, which indicates a very decent valuation of GLJ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GLJ indicates a rather cheap valuation: GLJ is cheaper than 80.85% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.86, GLJ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.53 | ||
| Fwd PE | 8.13 |
4.2 Price Multiples
GLJ's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. GLJ is more expensive than 65.96% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GLJ is valued cheaper than 93.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.78 | ||
| EV/EBITDA | 66.14 |
4.3 Compensation for Growth
A more expensive valuation may be justified as GLJ's earnings are expected to grow with 19.01% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.26%
EPS Next 3Y19.01%
5. Dividend
5.1 Amount
GLJ has a Yearly Dividend Yield of 2.48%. 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 3.78.
Compared to an average S&P500 Dividend Yield of 2.38, GLJ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.48% |
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
GLJ pays out 40.53% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP40.53%
EPS Next 2Y15.26%
EPS Next 3Y19.01%
FRA:GLJ (9/19/2025, 7:00:00 PM)
16.2
+0.06 (+0.37%)
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 Cap753.30M
Analysts76
Price Target21.2 (30.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.48% |
Yearly Dividend0.48
Dividend Growth(5Y)-9.82%
DP40.53%
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)2.63%
PT rev (3m)4.44%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-12.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.53 | ||
| Fwd PE | 8.13 | ||
| P/S | 0.88 | ||
| P/FCF | 1.78 | ||
| P/OCF | 1.73 | ||
| P/B | 0.55 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 66.14 |
EPS(TTM)0.98
EY6.05%
EPS(NY)1.99
Fwd EY12.29%
FCF(TTM)9.09
FCFY56.1%
OCF(TTM)9.34
OCFY57.67%
SpS18.51
BVpS29.71
TBVpS26.73
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 3.16% | ||
| ROCE | 1.26% | ||
| ROIC | 0.99% | ||
| ROICexc | 1.2% | ||
| ROICexgc | 1.24% | ||
| OM | 8.44% | ||
| PM (TTM) | 5.07% | ||
| GM | 71.46% | ||
| FCFM | 49.09% |
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-Score4
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.07 | ||
| Debt/FCF | 16.68 | ||
| Debt/EBITDA | 41.9 | ||
| Cap/Depr | 41.35% | ||
| Cap/Sales | 1.38% | ||
| Interest Coverage | 1.41 | ||
| Cash Conversion | 428.74% | ||
| Profit Quality | 969.14% | ||
| Current Ratio | 1.18 | ||
| Quick Ratio | 1.18 | ||
| Altman-Z | 0.4 |
F-Score4
WACC2.12%
ROIC/WACC0.47
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)-47.09%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%-38.33%
EPS Next Y-1.11%
EPS Next 2Y15.26%
EPS Next 3Y19.01%
EPS Next 5YN/A
Revenue 1Y (TTM)20.58%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%15.94%
Revenue Next Year17.38%
Revenue Next 2Y14.84%
Revenue Next 3Y13.67%
Revenue Next 5YN/A
EBIT growth 1Y-38.03%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year28.04%
EBIT Next 3Y28.46%
EBIT Next 5YN/A
FCF growth 1Y158.6%
FCF growth 3YN/A
FCF growth 5Y32.88%
OCF growth 1Y153.99%
OCF growth 3YN/A
OCF growth 5Y27.82%