GRENKE AG (GLJ.DE) Stock Fundamental Analysis
FRA:GLJ - Deutsche Boerse Ag - DE000A161N30 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to GLJ. GLJ was compared to 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.
In the past year GLJ had a positive cash flow from operations.
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
The Return On Assets of GLJ (0.65%) is worse than 65.22% of its industry peers.
With a Return On Equity value of 4.01%, GLJ perfoms like the industry average, outperforming 45.65% of the companies in the same industry.
GLJ has a worse Return On Invested Capital (1.35%) than 65.22% 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 9.04%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 4.01% | ||
| ROIC | 1.35% |
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 of 6.55%. This is comparable to the rest of the industry: GLJ outperforms 41.30% of its industry peers.
In the last couple of years the Profit Margin of GLJ has declined.
GLJ has a Operating Margin of 10.07%. This is comparable to the rest of the industry: GLJ outperforms 47.83% of its industry peers.
In the last couple of years the Operating Margin of GLJ has declined.
With a decent Gross Margin value of 72.09%, GLJ is doing good in the industry, outperforming 63.04% of the companies in the same industry.
GLJ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.07% | ||
| PM (TTM) | 6.55% | ||
| GM | 72.09% |
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
GLJ has less shares outstanding than it did 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 0.36. This is a bad value and indicates that GLJ is not financially healthy and even has some risk of bankruptcy.
GLJ has a Altman-Z score of 0.36. This is in the lower half of the industry: GLJ underperforms 76.09% of its industry peers.
GLJ has a debt to FCF ratio of 19.30. This is a negative value and a sign of low solvency as GLJ would need 19.30 years to pay back of all of its debts.
With a Debt to FCF ratio value of 19.30, GLJ is not doing good in the industry: 60.87% of the companies in the same industry are doing better.
GLJ has a Debt/Equity ratio of 2.52. This is a high value indicating a heavy dependency on external financing.
GLJ has a worse Debt to Equity ratio (2.52) than 73.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.52 | ||
| Debt/FCF | 19.3 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.61
WACC2.22%
2.3 Liquidity
GLJ has a Current Ratio of 1.03. 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 (1.03) is worse than 60.87% of its industry peers.
A Quick Ratio of 1.03 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ's Quick ratio of 1.03 is in line compared to the rest of the industry. GLJ outperforms 47.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
The earnings per share for GLJ have decreased strongly by -34.21% 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 22.48% 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)-34.21%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%-106.99%
Revenue 1Y (TTM)22.48%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%20.11%
3.2 Future
The Earnings Per Share is expected to grow by 23.61% on average over the next years. This is a very strong growth
GLJ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.73% yearly.
EPS Next Y12.95%
EPS Next 2Y22.27%
EPS Next 3Y23.61%
EPS Next 5YN/A
Revenue Next Year18.33%
Revenue Next 2Y15.67%
Revenue Next 3Y13.73%
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
GLJ is valuated correctly with a Price/Earnings ratio of 14.45.
GLJ's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.41. GLJ is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 7.74, the valuation of GLJ can be described as very cheap.
Based on the Price/Forward Earnings ratio, GLJ is valued cheaply inside the industry as 82.61% of the companies are valued more expensively.
GLJ is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.19, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.45 | ||
| Fwd PE | 7.74 |
4.2 Price Multiples
63.04% of the companies in the same industry are cheaper than GLJ, based on the Enterprise Value to EBITDA ratio.
GLJ's Price/Free Cash Flow ratio is rather cheap when compared to the industry. GLJ is cheaper than 95.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.37 | ||
| EV/EBITDA | 56.02 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as GLJ's earnings are expected to grow with 23.61% in the coming years.
PEG (NY)1.12
PEG (5Y)N/A
EPS Next 2Y22.27%
EPS Next 3Y23.61%
5. Dividend
5.1 Amount
GLJ has a Yearly Dividend Yield of 2.22%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.93, GLJ has a dividend in line with its industry peers.
GLJ's Dividend Yield is comparable with the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
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
39.81% of the earnings are spent on dividend by GLJ. This is a low number and sustainable payout ratio.
DP39.81%
EPS Next 2Y22.27%
EPS Next 3Y23.61%
FRA:GLJ (7/14/2025, 9:39:15 AM)
17.34
-0.1 (-0.57%)
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 Cap806.31M
Analysts76
Price Target20.3 (17.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
Yearly Dividend0.48
Dividend Growth(5Y)-9.82%
DP39.81%
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)0%
PT rev (3m)-6.21%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.45 | ||
| Fwd PE | 7.74 | ||
| P/S | 0.97 | ||
| P/FCF | 2.37 | ||
| P/OCF | 2.3 | ||
| P/B | 0.6 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 56.02 |
EPS(TTM)1.2
EY6.92%
EPS(NY)2.24
Fwd EY12.93%
FCF(TTM)7.33
FCFY42.25%
OCF(TTM)7.54
OCFY43.49%
SpS17.84
BVpS29.14
TBVpS28.28
PEG (NY)1.12
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 4.01% | ||
| ROCE | 1.72% | ||
| ROIC | 1.35% | ||
| ROICexc | 1.71% | ||
| ROICexgc | 1.73% | ||
| OM | 10.07% | ||
| PM (TTM) | 6.55% | ||
| GM | 72.09% | ||
| FCFM | 41.06% |
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-Score6
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.52 | ||
| Debt/FCF | 19.3 | ||
| Debt/EBITDA | 30.34 | ||
| Cap/Depr | 34.27% | ||
| Cap/Sales | 1.2% | ||
| Interest Coverage | 1.65 | ||
| Cash Conversion | 311.52% | ||
| Profit Quality | 627.07% | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 | ||
| Altman-Z | 0.36 |
F-Score6
WACC2.22%
ROIC/WACC0.61
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)-34.21%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%-106.99%
EPS Next Y12.95%
EPS Next 2Y22.27%
EPS Next 3Y23.61%
EPS Next 5YN/A
Revenue 1Y (TTM)22.48%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%20.11%
Revenue Next Year18.33%
Revenue Next 2Y15.67%
Revenue Next 3Y13.73%
Revenue Next 5YN/A
EBIT growth 1Y-24.93%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year28.04%
EBIT Next 3Y28.46%
EBIT Next 5YN/A
FCF growth 1Y140.53%
FCF growth 3YN/A
FCF growth 5Y32.88%
OCF growth 1Y133.7%
OCF growth 3YN/A
OCF growth 5Y27.82%