GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GLJ - DE000A161N30 - Common Stock
14.84 EUR
+0.05 (+0.34%)
GLJ gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 53 industry peers in the Financial Services industry. GLJ has a bad profitability rating. Also its financial health evaluation is rather negative. 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 negative 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
The Return On Assets of GLJ (0.58%) is comparable to the rest of the industry.
GLJ's Return On Equity of 3.74% is in line compared to the rest of the industry. GLJ outperforms 58.49% of its industry peers.
The Return On Invested Capital of GLJ (1.03%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for GLJ is significantly below the industry average of 8.63%.
| Industry Rank | Sector 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%
1.3 Margins
The Profit Margin of GLJ (5.69%) is comparable to the rest of the industry.
GLJ's Profit Margin has declined in the last couple of years.
GLJ's Operating Margin of 9.01% is in line compared to the rest of the industry. GLJ outperforms 49.06% of its industry peers.
In the last couple of years the Operating Margin of GLJ has declined.
GLJ has a better Gross Margin (71.10%) than 71.70% of its industry peers.
In the last couple of years the Gross Margin of GLJ has declined.
| Industry Rank | Sector 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%
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
GLJ has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, GLJ has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.44, we must say that GLJ is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.44, GLJ is doing worse than 64.15% of the companies in the same industry.
GLJ has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
GLJ's Debt to Equity ratio of 3.41 is on the low side compared to the rest of the industry. GLJ is outperformed by 79.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.44 |
ROIC/WACC0.52
WACC2%
2.3 Liquidity
A Current Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ's Current ratio of 1.32 is in line compared to the rest of the industry. GLJ outperforms 45.28% of its industry peers.
GLJ has a Quick 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.
GLJ has a Quick ratio of 1.32. This is comparable to the rest of the industry: GLJ outperforms 54.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.32 | ||
| Quick Ratio | 1.32 |
3. Growth
3.1 Past
GLJ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.94%.
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 quite strong growth in Revenue. The Revenue has grown by 19.53% in the last year.
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)-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
The Earnings Per Share is expected to grow by 19.04% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.89% on average over the next years. This is quite good.
EPS Next Y0.1%
EPS Next 2Y15.37%
EPS Next 3Y19.04%
EPS Next 5YN/A
Revenue Next Year17.68%
Revenue Next 2Y15.33%
Revenue Next 3Y13.89%
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.
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 12.90, which indicates a correct valuation of GLJ.
Based on the Price/Earnings ratio, GLJ is valued a bit cheaper than the industry average as 64.15% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.37, GLJ is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.44, the valuation of GLJ can be described as very cheap.
Based on the Price/Forward Earnings ratio, GLJ is valued a bit cheaper than the industry average as 79.25% of the companies are valued more expensively.
GLJ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.20.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.9 | ||
| Fwd PE | 7.44 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 62.26% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 64.68 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates GLJ does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as GLJ's earnings are expected to grow with 19.04% in the coming years.
PEG (NY)127.71
PEG (5Y)N/A
EPS Next 2Y15.37%
EPS Next 3Y19.04%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.60%, GLJ has a reasonable but not impressive dividend return.
GLJ's Dividend Yield is a higher than the industry average which is at 3.41.
Compared to an average S&P500 Dividend Yield of 2.32, GLJ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
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 34.61% of its income as dividend. This is a sustainable payout ratio.
DP34.61%
EPS Next 2Y15.37%
EPS Next 3Y19.04%
FRA:GLJ (12/4/2025, 5:29:47 PM)
14.84
+0.05 (+0.34%)
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 Cap690.06M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78
Price Target21.62 (45.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
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)0.16%
PT rev (3m)2%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.23%
EPS NY rev (3m)1.23%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.9 | ||
| Fwd PE | 7.44 | ||
| P/S | 0.77 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.51 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | 64.68 |
EPS(TTM)1.15
EY7.75%
EPS(NY)2
Fwd EY13.45%
FCF(TTM)-9.2
FCFYN/A
OCF(TTM)-8.96
OCFYN/A
SpS19.29
BVpS29.34
TBVpS26.26
PEG (NY)127.71
PEG (5Y)N/A
Graham Number27.56
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC2%
ROIC/WACC0.52
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 Y0.1%
EPS Next 2Y15.37%
EPS Next 3Y19.04%
EPS Next 5YN/A
Revenue 1Y (TTM)19.53%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%17.95%
Revenue Next Year17.68%
Revenue Next 2Y15.33%
Revenue Next 3Y13.89%
Revenue Next 5YN/A
EBIT growth 1Y-25.43%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year27.06%
EBIT Next 3Y27.73%
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 3 / 10 to GLJ.DE.
Can you provide the valuation status for GRENKE AG?
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 expected EPS growth for GRENKE AG (GLJ.DE) stock?
The Earnings per Share (EPS) of GRENKE AG (GLJ.DE) is expected to grow by 0.1% in the next year.
Is the dividend of GRENKE AG sustainable?
The dividend rating of GRENKE AG (GLJ.DE) is 4 / 10 and the dividend payout ratio is 34.61%.