GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GLJ - DE000A161N30 - Common Stock
15.97 EUR
+0.13 (+0.82%)
Taking everything into account, GLJ scores 3 out of 10 in our fundamental rating. GLJ was compared to 58 industry peers in the Financial Services industry. GLJ has a bad profitability rating. Also its financial health evaluation is rather negative. GLJ has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year GLJ was profitable.
GLJ had a negative operating cash flow in the past year.
Each year in the past 5 years GLJ has been profitable.
In multiple years GLJ reported negative operating cash flow during the last 5 years.
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.
GLJ has a Return On Equity of 3.74%. This is comparable to the rest of the industry: GLJ outperforms 53.45% of its industry peers.
GLJ has a worse Return On Invested Capital (1.03%) than 63.79% 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 9.69%.
| 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.
In the last couple of years the Profit Margin of GLJ has declined.
GLJ's Operating Margin of 9.01% is in line compared to the rest of the industry. GLJ outperforms 44.83% 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 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
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
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 on the low side compared to the rest of the industry. GLJ is outperformed by 63.79% of its industry peers.
A Debt/Equity ratio of 3.41 is on the high side and indicates that GLJ has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.41, GLJ is doing worse than 81.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.45 |
ROIC/WACC0.49
WACC2.11%
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.
Looking at the Current ratio, with a value of 1.32, GLJ is in line with its industry, outperforming 48.28% of the companies in the same industry.
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.
The Quick ratio of GLJ (1.32) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.32 | ||
| Quick Ratio | 1.32 |
3. Growth
3.1 Past
The earnings per share for GLJ have decreased strongly by -28.94% 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.
Looking at the last year, GLJ shows a quite strong growth in Revenue. The Revenue has grown by 19.53% in the last year.
The Revenue has been growing slightly by 5.76% on average over the past years.
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.
Based on estimates for the next years, GLJ will show a quite strong growth in Revenue. The Revenue will grow by 13.52% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.89 indicates a correct valuation of GLJ.
Based on the Price/Earnings ratio, GLJ is valued a bit cheaper than 62.07% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.19, GLJ is valued a bit cheaper.
GLJ is valuated reasonably with a Price/Forward Earnings ratio of 8.40.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GLJ indicates a rather cheap valuation: GLJ is cheaper than 81.03% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.88. GLJ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.89 | ||
| Fwd PE | 8.4 |
4.2 Price Multiples
GLJ's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. GLJ is more expensive than 67.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 65.15 |
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
GLJ has a Yearly Dividend Yield of 2.56%.
GLJ's Dividend Yield is a higher than the industry average which is at 2.04.
GLJ's Dividend Yield is a higher than the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
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
34.61% of the earnings are spent on dividend by GLJ. This is a low number and sustainable payout ratio.
DP34.61%
EPS Next 2Y12.59%
EPS Next 3Y17.99%
FRA:GLJ (1/9/2026, 5:29:47 PM)
15.97
+0.13 (+0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners22.61%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap742.61M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78.18
Price Target22.44 (40.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
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)3.77%
PT rev (3m)3.94%
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 | 13.89 | ||
| Fwd PE | 8.4 | ||
| P/S | 0.83 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.54 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 65.15 |
EPS(TTM)1.15
EY7.2%
EPS(NY)1.9
Fwd EY11.9%
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
WACC2.11%
ROIC/WACC0.49
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 13.89 and the Price/Book (PB) ratio is 0.54.
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.