GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - FRA:GLJ - DE000A161N30 - Common Stock
14.5 EUR
-0.28 (-1.89%)
Overall GLJ gets a fundamental rating of 4 out of 10. We evaluated GLJ against 50 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year GLJ was profitable.
GLJ had a positive 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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.49%, GLJ is doing worse than 62.00% of the companies in the same industry.
GLJ has a Return On Equity of 3.16%. This is comparable to the rest of the industry: GLJ outperforms 54.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.99%, GLJ is doing worse than 62.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for GLJ is significantly below the industry average of 9.85%.
| 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
GLJ has a Profit Margin (5.07%) which is comparable to the rest of the industry.
GLJ's Profit Margin has declined in the last couple of years.
GLJ has a Operating Margin (8.44%) which is in line with its industry peers.
GLJ's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 71.46%, GLJ is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
In the last couple of years the Gross Margin of GLJ has declined.
| 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.
Compared to 1 year ago, GLJ has less shares outstanding
The number of shares outstanding for GLJ has been reduced compared to 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 0.39. This is a bad value and indicates that GLJ is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.39, GLJ is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
GLJ has a debt to FCF ratio of 16.68. This is a negative value and a sign of low solvency as GLJ would need 16.68 years to pay back of all of its debts.
GLJ's Debt to FCF ratio of 16.68 is on the low side compared to the rest of the industry. GLJ is outperformed by 66.00% 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.
The Debt to Equity ratio of GLJ (3.07) is worse than 82.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.07 | ||
| Debt/FCF | 16.68 | ||
| Altman-Z | 0.39 |
ROIC/WACC0.49
WACC2.01%
2.3 Liquidity
A Current Ratio of 1.18 indicates that GLJ should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.18, GLJ is in line with its industry, outperforming 42.00% of the companies in the same industry.
GLJ has a Quick 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.
GLJ has a Quick ratio of 1.18. This is comparable to the rest of the industry: GLJ outperforms 44.00% of 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%.
The earnings per share for GLJ have been decreasing by -13.02% on average. This is quite bad
Looking at the last year, GLJ shows a very strong growth in Revenue. The Revenue has grown by 20.58%.
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
The Earnings Per Share is expected to grow by 19.01% on average over the next years. This is quite good.
GLJ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.89% yearly.
EPS Next Y-1.11%
EPS Next 2Y15.26%
EPS Next 3Y19.01%
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
The Price/Earnings ratio is 14.80, which indicates a correct valuation of GLJ.
Based on the Price/Earnings ratio, GLJ is valued a bit cheaper than 68.00% of the companies in the same industry.
GLJ's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.51.
GLJ is valuated cheaply with a Price/Forward Earnings ratio of 7.28.
GLJ's Price/Forward Earnings ratio is rather cheap when compared to the industry. GLJ is cheaper than 84.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.53, GLJ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.8 | ||
| Fwd PE | 7.28 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
94.00% of the companies in the same industry are more expensive than GLJ, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.6 | ||
| EV/EBITDA | 65.49 |
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
With a Yearly Dividend Yield of 2.64%, GLJ has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, GLJ pays a bit more dividend than its industry peers.
GLJ's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
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
40.53% of the earnings are spent on dividend by GLJ. This is a bit on the high side, but may be sustainable.
DP40.53%
EPS Next 2Y15.26%
EPS Next 3Y19.01%
FRA:GLJ (11/4/2025, 5:29:20 PM)
14.5
-0.28 (-1.89%)
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 Cap674.25M
Revenue(TTM)860.83M
Net Income(TTM)43.60M
Analysts78
Price Target21.59 (48.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
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)1.84%
PT rev (3m)4.53%
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)-0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.8 | ||
| Fwd PE | 7.28 | ||
| P/S | 0.78 | ||
| P/FCF | 1.6 | ||
| P/OCF | 1.55 | ||
| P/B | 0.49 | ||
| P/tB | 0.54 | ||
| EV/EBITDA | 65.49 |
EPS(TTM)0.98
EY6.76%
EPS(NY)1.99
Fwd EY13.74%
FCF(TTM)9.09
FCFY62.67%
OCF(TTM)9.34
OCFY64.43%
SpS18.51
BVpS29.71
TBVpS26.73
PEG (NY)N/A
PEG (5Y)N/A
Graham Number25.6
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%
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-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 | 0.39 |
F-Score4
WACC2.01%
ROIC/WACC0.49
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 Year17.68%
Revenue Next 2Y15.33%
Revenue Next 3Y13.89%
Revenue Next 5YN/A
EBIT growth 1Y-38.03%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year27.06%
EBIT Next 3Y27.73%
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%
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.
Can you provide the valuation status for GRENKE AG?
ChartMill assigns a valuation rating of 6 / 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 decline by -1.11% in the next year.
Is the dividend of GRENKE AG sustainable?
The dividend rating of GRENKE AG (GLJ.DE) is 3 / 10 and the dividend payout ratio is 40.53%.