GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - FRA:GLJ - DE000A161N30 - Common Stock
15.84 EUR
+0.12 (+0.76%)
Overall GLJ gets a fundamental rating of 4 out of 10. We evaluated GLJ against 51 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
GLJ had positive earnings in the past year.
GLJ had a positive operating cash flow in the past year.
GLJ had positive earnings in each of the past 5 years.
In multiple years GLJ reported negative operating cash flow during the last 5 years.
1.2 Ratios
GLJ has a Return On Assets of 0.49%. This is in the lower half of the industry: GLJ underperforms 62.75% of its industry peers.
GLJ has a Return On Equity of 3.16%. This is comparable to the rest of the industry: GLJ outperforms 50.98% of its industry peers.
With a Return On Invested Capital value of 0.99%, GLJ is not doing good in the industry: 62.75% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for GLJ is significantly below the industry average of 9.42%.
| 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
With a Profit Margin value of 5.07%, GLJ perfoms like the industry average, outperforming 47.06% of the companies in the same industry.
GLJ's Profit Margin has declined in the last couple of years.
GLJ's Operating Margin of 8.44% is in line compared to the rest of the industry. GLJ outperforms 47.06% of its industry peers.
GLJ's Operating Margin has declined in the last couple of years.
The Gross Margin of GLJ (71.46%) is better than 68.63% of its industry peers.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GLJ 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.
Compared to 1 year ago, GLJ has a worse debt to assets ratio.
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.
The Altman-Z score of GLJ (0.39) is worse than 66.67% of its industry peers.
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 has a Debt to FCF ratio of 16.68. This is in the lower half of the industry: GLJ underperforms 68.63% of its industry peers.
GLJ has a Debt/Equity ratio of 3.07. This is a high value indicating a heavy dependency on external financing.
GLJ has a Debt to Equity ratio of 3.07. This is amonst the worse of the industry: GLJ underperforms 80.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.07 | ||
| Debt/FCF | 16.68 | ||
| Altman-Z | 0.39 |
ROIC/WACC0.47
WACC2.1%
2.3 Liquidity
A Current Ratio of 1.18 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ has a Current ratio of 1.18. This is comparable to the rest of the industry: GLJ outperforms 45.10% of its industry peers.
A Quick Ratio of 1.18 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ's Quick ratio of 1.18 is in line compared to the rest of the industry. GLJ outperforms 47.06% 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%.
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 20.58% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 5.76% on average over the past years.
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
Based on estimates for the next years, GLJ will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.01% on average per year.
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
Based on the Price/Earnings ratio of 16.16, the valuation of GLJ can be described as correct.
Based on the Price/Earnings ratio, GLJ is valued a bit cheaper than the industry average as 62.75% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of GLJ to the average of the S&P500 Index (27.53), we can say GLJ is valued slightly cheaper.
The Price/Forward Earnings ratio is 7.95, which indicates a rather cheap valuation of GLJ.
GLJ's Price/Forward Earnings ratio is rather cheap when compared to the industry. GLJ is cheaper than 82.35% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.04. GLJ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.16 | ||
| Fwd PE | 7.95 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 60.78% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, GLJ is valued cheaply inside the industry as 94.12% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.74 | ||
| EV/EBITDA | 65.92 |
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 2.37%, GLJ has a reasonable but not impressive dividend return.
GLJ's Dividend Yield is a higher than the industry average which is at 3.49.
Compared to an average S&P500 Dividend Yield of 2.40, GLJ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
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 (10/16/2025, 5:30:00 PM)
15.84
+0.12 (+0.76%)
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 Cap736.56M
Analysts78
Price Target21.59 (36.3%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
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)6.37%
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)0.25%
Revenue NY rev (3m)-0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.16 | ||
| Fwd PE | 7.95 | ||
| P/S | 0.86 | ||
| P/FCF | 1.74 | ||
| P/OCF | 1.7 | ||
| P/B | 0.53 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 65.92 |
EPS(TTM)0.98
EY6.19%
EPS(NY)1.99
Fwd EY12.57%
FCF(TTM)9.09
FCFY57.37%
OCF(TTM)9.34
OCFY58.98%
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 | 0.39 |
F-Score4
WACC2.1%
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 Year17.68%
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%