GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - FRA:GLJ - DE000A161N30 - Common Stock
14.34 EUR
-0.46 (-3.11%)
We assign a fundamental rating of 4 out of 10 to GLJ. GLJ was compared to 50 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
In the past year GLJ was profitable.
GLJ had a positive 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 (0.49%) is worse than 60.00% of its industry peers.
The Return On Equity of GLJ (3.16%) is comparable to the rest of the industry.
GLJ's Return On Invested Capital of 0.99% is on the low side compared to the rest of the industry. GLJ is outperformed by 60.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GLJ is significantly below the industry average of 9.72%.
| 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
The Profit Margin of GLJ (5.07%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of GLJ has declined.
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 70.00% of its industry peers.
In the last couple of years the Gross Margin of GLJ has declined.
| 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
GLJ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, GLJ has less shares outstanding
Compared to 5 years ago, GLJ has less shares outstanding
GLJ has a worse debt/assets ratio than last year.
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.
GLJ has a worse Altman-Z score (0.39) than 68.00% of its industry peers.
The Debt to FCF ratio of GLJ is 16.68, which is on the high side as it means it would take GLJ, 16.68 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of GLJ (16.68) is worse than 64.00% 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.
With a Debt to Equity ratio value of 3.07, GLJ is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.07 | ||
| Debt/FCF | 16.68 | ||
| Altman-Z | 0.39 |
ROIC/WACC0.49
WACC2.01%
2.3 Liquidity
GLJ has a Current 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 Current ratio (1.18) which is in line with its industry peers.
A Quick Ratio of 1.18 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ has a Quick ratio (1.18) which is comparable to the rest of the industry.
| 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%.
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.
GLJ shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.58%.
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)-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 19.04% 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 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
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
With a Price/Earnings ratio of 14.63, GLJ is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of GLJ indicates a somewhat cheap valuation: GLJ is cheaper than 68.00% of the companies listed in the same industry.
GLJ is valuated rather cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.19 indicates a rather cheap valuation of GLJ.
86.00% of the companies in the same industry are more expensive than GLJ, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.43, GLJ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.63 | ||
| Fwd PE | 7.19 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, GLJ is valued cheaper than 96.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.58 | ||
| EV/EBITDA | 65.5 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
GLJ's earnings are expected to grow with 19.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)144.81
PEG (5Y)N/A
EPS Next 2Y15.37%
EPS Next 3Y19.04%
5. Dividend
5.1 Amount
GLJ has a Yearly Dividend Yield of 2.79%.
Compared to an average industry Dividend Yield of 3.47, GLJ pays a bit more dividend than its industry peers.
GLJ's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.79% |
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 2Y15.37%
EPS Next 3Y19.04%
FRA:GLJ (11/13/2025, 12:23:06 PM)
14.34
-0.46 (-3.11%)
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 Cap666.81M
Revenue(TTM)860.83M
Net Income(TTM)43.60M
Analysts78
Price Target21.59 (50.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.79% |
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)0%
PT rev (3m)4.53%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.23%
EPS NY rev (3m)-11.37%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.63 | ||
| Fwd PE | 7.19 | ||
| P/S | 0.77 | ||
| P/FCF | 1.58 | ||
| P/OCF | 1.53 | ||
| P/B | 0.48 | ||
| P/tB | 0.54 | ||
| EV/EBITDA | 65.5 |
EPS(TTM)0.98
EY6.83%
EPS(NY)2
Fwd EY13.92%
FCF(TTM)9.09
FCFY63.37%
OCF(TTM)9.34
OCFY65.15%
SpS18.51
BVpS29.71
TBVpS26.73
PEG (NY)144.81
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
WACC2.01%
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)-47.09%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%-38.33%
EPS Next Y0.1%
EPS Next 2Y15.37%
EPS Next 3Y19.04%
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 grow by 0.1% 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%.