GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - FRA:GLJ - DE000A161N30 - Common Stock
15.1 EUR
-0.14 (-0.92%)
We assign a fundamental rating of 4 out of 10 to GLJ. GLJ was compared to 51 industry peers in the Financial Services industry. Both the profitability and financial health of GLJ have multiple concerns. GLJ is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GLJ had positive earnings in the past year.
In the past year GLJ had a positive 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.
1.2 Ratios
GLJ has a Return On Assets of 0.49%. This is in the lower half of the industry: GLJ underperforms 60.78% of its industry peers.
Looking at the Return On Equity, with a value of 3.16%, GLJ is in line with its industry, outperforming 54.90% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.99%, GLJ is doing worse than 62.75% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for GLJ is significantly below the industry average of 10.03%.
| 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 comparable to the rest of the industry.
In the last couple of years the Operating Margin of GLJ has declined.
GLJ has a Gross Margin of 71.46%. This is in the better half of the industry: GLJ outperforms 66.67% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GLJ is destroying value.
GLJ has less shares outstanding than it did 1 year ago.
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.
Looking at the Altman-Z score, with a value of 0.39, GLJ is doing worse than 70.59% of the companies in the same industry.
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 worse Debt to FCF ratio (16.68) than 64.71% 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 82.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.07 | ||
| Debt/FCF | 16.68 | ||
| Altman-Z | 0.39 |
ROIC/WACC0.48
WACC2.05%
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 (1.18) which is in line with its industry peers.
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 (1.18) which is in line with 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.
GLJ shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.58%.
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.
Based on estimates for the next years, GLJ will show a quite strong growth in Revenue. The Revenue will grow by 13.89% on average per year.
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 15.41, which indicates a correct valuation of GLJ.
Based on the Price/Earnings ratio, GLJ is valued a bit cheaper than 64.71% of the companies in the same industry.
GLJ is valuated rather cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
GLJ is valuated cheaply with a Price/Forward Earnings ratio of 7.58.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GLJ indicates a rather cheap valuation: GLJ is cheaper than 82.35% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, GLJ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.41 | ||
| Fwd PE | 7.58 |
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 60.78% of the companies listed in the same industry.
GLJ's Price/Free Cash Flow ratio is rather cheap when compared to the industry. GLJ is cheaper than 94.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.66 | ||
| EV/EBITDA | 65.7 |
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
GLJ has a Yearly Dividend Yield of 2.53%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.47, GLJ pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, GLJ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
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 (10/30/2025, 5:29:52 PM)
15.1
-0.14 (-0.92%)
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 Cap702.15M
Revenue(TTM)860.83M
Net Income(TTM)43.60M
Analysts78
Price Target21.59 (42.98%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
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)0.25%
Revenue NY rev (3m)-0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.41 | ||
| Fwd PE | 7.58 | ||
| P/S | 0.82 | ||
| P/FCF | 1.66 | ||
| P/OCF | 1.62 | ||
| P/B | 0.51 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 65.7 |
EPS(TTM)0.98
EY6.49%
EPS(NY)1.99
Fwd EY13.19%
FCF(TTM)9.09
FCFY60.18%
OCF(TTM)9.34
OCFY61.87%
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
WACC2.05%
ROIC/WACC0.48
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%.