GRENKE AG (GLJ.DE) Fundamental Analysis & Valuation

FRA:GLJ • DE000A161N30

13.74 EUR
-0.12 (-0.87%)
Last: Mar 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This GLJ.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to GLJ. GLJ was compared to 58 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.


Dividend Valuation Growth Profitability Health

3

1. GLJ.DE Profitability Analysis

1.1 Basic Checks

  • In the past year GLJ was profitable.
  • In the past year GLJ has reported a negative cash flow from operations.
  • 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.
GLJ.DE Yearly Net Income VS EBIT VS OCF VS FCFGLJ.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

1.2 Ratios

  • GLJ's Return On Assets of 0.58% is in line compared to the rest of the industry. GLJ outperforms 41.38% of its industry peers.
  • With a Return On Equity value of 3.74%, GLJ perfoms like the industry average, outperforming 53.45% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 1.03%, GLJ is doing worse than 60.34% 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 10.33%.
Industry RankSector 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%
GLJ.DE Yearly ROA, ROE, ROICGLJ.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • GLJ's Profit Margin of 5.69% is in line compared to the rest of the industry. GLJ outperforms 48.28% of its industry peers.
  • 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 46.55% of its industry peers.
  • In the last couple of years the Operating Margin of GLJ has declined.
  • GLJ has a Gross Margin of 71.10%. This is in the better half of the industry: GLJ outperforms 74.14% of its industry peers.
  • In the last couple of years the Gross Margin of GLJ has declined.
Industry RankSector 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%
GLJ.DE Yearly Profit, Operating, Gross MarginsGLJ.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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3

2. GLJ.DE Health Analysis

2.1 Basic Checks

  • GLJ has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some 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.
  • GLJ has a worse debt/assets ratio than last year.
GLJ.DE Yearly Shares OutstandingGLJ.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
GLJ.DE Yearly Total Debt VS Total AssetsGLJ.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • GLJ has an Altman-Z score of 0.44. 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 0.44. This is in the lower half of the industry: GLJ underperforms 63.79% of its industry peers.
  • GLJ has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of GLJ (3.41) is worse than 79.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z 0.44
ROIC/WACC0.53
WACC1.94%
GLJ.DE Yearly LT Debt VS Equity VS FCFGLJ.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • GLJ has a Current 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 Current ratio (1.32) which is in line with its industry peers.
  • A Quick Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.32, GLJ perfoms like the industry average, outperforming 58.62% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.32
Quick Ratio 1.32
GLJ.DE Yearly Current Assets VS Current LiabilitesGLJ.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. GLJ.DE Growth Analysis

3.1 Past

  • The earnings per share for GLJ have decreased strongly by -28.94% in the last year.
  • 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.
  • Looking at the last year, GLJ shows a quite strong growth in Revenue. The Revenue has grown by 19.53% in the last year.
  • GLJ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.76% yearly.
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 12.61% 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 12.01% yearly.
EPS Next Y-11.08%
EPS Next 2Y5.62%
EPS Next 3Y12.61%
EPS Next 5YN/A
Revenue Next Year16.72%
Revenue Next 2Y13.35%
Revenue Next 3Y12.01%
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.
GLJ.DE Yearly Revenue VS EstimatesGLJ.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
GLJ.DE Yearly EPS VS EstimatesGLJ.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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4

4. GLJ.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.95, which indicates a very decent valuation of GLJ.
  • Based on the Price/Earnings ratio, GLJ is valued a bit cheaper than the industry average as 63.79% of the companies are valued more expensively.
  • GLJ is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 8.21 indicates a reasonable valuation of GLJ.
  • Based on the Price/Forward Earnings ratio, GLJ is valued a bit cheaper than 75.86% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.65, GLJ is valued rather cheaply.
Industry RankSector Rank
PE 11.95
Fwd PE 8.21
GLJ.DE Price Earnings VS Forward Price EarningsGLJ.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GLJ indicates a slightly more expensive valuation: GLJ is more expensive than 63.79% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 64.27
GLJ.DE Per share dataGLJ.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

  • GLJ's earnings are expected to grow with 12.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.62%
EPS Next 3Y12.61%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. GLJ.DE Dividend Analysis

5.1 Amount

  • GLJ has a Yearly Dividend Yield of 2.87%.
  • GLJ's Dividend Yield is a higher than the industry average which is at 2.38.
  • GLJ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.87%

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
GLJ.DE Yearly Dividends per shareGLJ.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 34.61% of the earnings are spent on dividend by GLJ. This is a low number and sustainable payout ratio.
DP34.61%
EPS Next 2Y5.62%
EPS Next 3Y12.61%
GLJ.DE Yearly Income VS Free CF VS DividendGLJ.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M
GLJ.DE Dividend Payout.GLJ.DE Dividend Payout, showing the Payout Ratio.GLJ.DE Dividend Payout.PayoutRetained Earnings

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GLJ.DE Fundamentals: All Metrics, Ratios and Statistics

GRENKE AG

FRA:GLJ (3/9/2026, 7:00:00 PM)

13.74

-0.12 (-0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-07
Earnings (Next)03-12
Inst Owners20.98%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap638.91M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78
Price Target21.45 (56.11%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.87%
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)-3.44%
PT rev (3m)-4.39%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.3%
EPS NY rev (3m)-8.65%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.51%
Valuation
Industry RankSector Rank
PE 11.95
Fwd PE 8.21
P/S 0.71
P/FCF N/A
P/OCF N/A
P/B 0.47
P/tB 0.52
EV/EBITDA 64.27
EPS(TTM)1.15
EY8.37%
EPS(NY)1.67
Fwd EY12.17%
FCF(TTM)-9.2
FCFYN/A
OCF(TTM)-8.96
OCFYN/A
SpS19.29
BVpS29.34
TBVpS26.26
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.56
Profitability
Industry RankSector 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 RankSector 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
WACC1.94%
ROIC/WACC0.53
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 Y-11.08%
EPS Next 2Y5.62%
EPS Next 3Y12.61%
EPS Next 5YN/A
Revenue 1Y (TTM)19.53%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%17.95%
Revenue Next Year16.72%
Revenue Next 2Y13.35%
Revenue Next 3Y12.01%
Revenue Next 5YN/A
EBIT growth 1Y-25.43%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year27.52%
EBIT Next 3Y21.38%
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 4 / 10 to GLJ.DE.


What is the valuation status of GRENKE AG (GLJ.DE) stock?

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 valuation of GRENKE AG based on its PE and PB ratios?

The Price/Earnings (PE) ratio for GRENKE AG (GLJ.DE) is 11.95 and the Price/Book (PB) ratio is 0.47.


Can you provide the expected EPS growth for GLJ stock?

The Earnings per Share (EPS) of GRENKE AG (GLJ.DE) is expected to decline by -11.08% in the next year.