GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GLJ - DE000A161N30 - Common Stock
15.56 EUR
-0.12 (-0.77%)
GLJ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 60 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- GLJ had positive earnings in the past year.
- 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
- Looking at the Return On Assets, with a value of 0.58%, GLJ is in line with its industry, outperforming 41.38% of the companies in the same industry.
- The Return On Equity of GLJ (3.74%) is comparable to the rest of the industry.
- Looking at the Return On Invested Capital, with a value of 1.03%, GLJ is doing worse than 62.07% 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 10.51%.
| 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
- GLJ has a Profit Margin (5.69%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of GLJ has declined.
- GLJ has a Operating Margin (9.01%) which is comparable to the rest of the industry.
- GLJ's Operating Margin has declined in the last couple of years.
- The Gross Margin of GLJ (71.10%) is better than 75.86% of its industry peers.
- GLJ's Gross Margin has declined in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
- The debt/assets ratio for GLJ is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.45, we must say that GLJ is in the distress zone and has some risk of bankruptcy.
- GLJ's Altman-Z score of 0.45 is in line compared to the rest of the industry. GLJ outperforms 41.38% 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.
- GLJ has a worse Debt to Equity ratio (3.41) than 79.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.45 |
ROIC/WACC0.5
WACC2.07%
2.3 Liquidity
- A Current Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
- GLJ has a Current ratio (1.32) which is comparable to the rest of the industry.
- A Quick Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
- GLJ's Quick ratio of 1.32 is in line compared to the rest of the industry. GLJ outperforms 56.90% 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%.
- GLJ shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.02% yearly.
- 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 17.99% 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 13.52% yearly.
EPS Next Y-4.34%
EPS Next 2Y12.59%
EPS Next 3Y17.99%
EPS Next 5YN/A
Revenue Next Year17.05%
Revenue Next 2Y14.78%
Revenue Next 3Y13.52%
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
- With a Price/Earnings ratio of 13.53, GLJ is valued correctly.
- 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 27.38, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 8.19 indicates a reasonable valuation of GLJ.
- GLJ's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GLJ is cheaper than 75.86% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, GLJ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 8.19 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 63.79% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 65.02 |
4.3 Compensation for Growth
- A more expensive valuation may be justified as GLJ's earnings are expected to grow with 17.99% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.59%
EPS Next 3Y17.99%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.55%, GLJ has a reasonable but not impressive dividend return.
- GLJ's Dividend Yield is a higher than the industry average which is at 1.95.
- GLJ's Dividend Yield is a higher than the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
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 2Y12.59%
EPS Next 3Y17.99%
FRA:GLJ (1/16/2026, 7:00:00 PM)
15.56
-0.12 (-0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-07 2026-01-07
Earnings (Next)04-01 2026-04-01
Inst Owners22.61%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap723.54M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78.18
Price Target22.79 (46.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
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)1.55%
PT rev (3m)5.54%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.73%
EPS NY rev (3m)-3.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)-0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 8.19 | ||
| P/S | 0.81 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.53 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 65.02 |
EPS(TTM)1.15
EY7.39%
EPS(NY)1.9
Fwd EY12.21%
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 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 | 0.45 |
F-Score3
WACC2.07%
ROIC/WACC0.5
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-4.34%
EPS Next 2Y12.59%
EPS Next 3Y17.99%
EPS Next 5YN/A
Revenue 1Y (TTM)19.53%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%17.95%
Revenue Next Year17.05%
Revenue Next 2Y14.78%
Revenue Next 3Y13.52%
Revenue Next 5YN/A
EBIT growth 1Y-25.43%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year27.4%
EBIT Next 3Y25.83%
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.
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 13.53 and the Price/Book (PB) ratio is 0.53.
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 -4.34% in the next year.