GRENKE AG (GLJ.DE) Stock Fundamental Analysis

FRA:GLJ • DE000A161N30

14.68 EUR
+0.14 (+0.96%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to GLJ. GLJ was compared to 55 industry peers in the Financial Services industry. Both the profitability and financial health of GLJ have multiple concerns. GLJ has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

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.
  • 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.
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

  • With a Return On Assets value of 0.58%, GLJ perfoms like the industry average, outperforming 41.82% of the companies in the same industry.
  • GLJ has a Return On Equity (3.74%) which is in line with its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.03%, GLJ is doing worse than 61.82% of the companies in the same industry.
  • GLJ had an Average Return On Invested Capital over the past 3 years of 1.98%. This is significantly below the industry average of 8.26%.
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

  • With a Profit Margin value of 5.69%, GLJ perfoms like the industry average, outperforming 47.27% of the companies in the same industry.
  • GLJ's Profit Margin has declined in the last couple of years.
  • GLJ has a Operating Margin (9.01%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of GLJ has declined.
  • GLJ's Gross Margin of 71.10% is fine compared to the rest of the industry. GLJ outperforms 74.55% 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. 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.
  • The number of shares outstanding for GLJ has been reduced compared to 1 year ago.
  • GLJ has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, GLJ has a worse debt to assets ratio.
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

  • Based on the Altman-Z score of 0.44, we must say that GLJ is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.44, GLJ is in line with its industry, outperforming 41.82% of the companies in the same industry.
  • GLJ has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.41, GLJ is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z 0.44
ROIC/WACC0.51
WACC2.01%
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

  • A Current Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
  • The Current ratio of GLJ (1.32) is comparable to the rest of the 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.
  • GLJ has a Quick ratio of 1.32. This is comparable to the rest of the industry: GLJ outperforms 56.36% of its industry peers.
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. Growth

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.
  • The Revenue has grown by 19.53% in the past year. This is quite good.
  • 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

  • Based on estimates for the next years, GLJ will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.41% 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 12.01% on average per year.
EPS Next Y-8.05%
EPS Next 2Y10.72%
EPS Next 3Y17.41%
EPS Next 5YN/A
Revenue Next Year16.72%
Revenue Next 2Y13.35%
Revenue Next 3Y12.01%
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.
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. Valuation

4.1 Price/Earnings Ratio

  • GLJ is valuated correctly with a Price/Earnings ratio of 12.77.
  • GLJ's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of GLJ to the average of the S&P500 Index (27.13), we can say GLJ is valued rather cheaply.
  • GLJ is valuated cheaply with a Price/Forward Earnings ratio of 7.99.
  • 72.73% of the companies in the same industry are more expensive than GLJ, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of GLJ to the average of the S&P500 Index (28.11), we can say GLJ is valued rather cheaply.
Industry RankSector Rank
PE 12.77
Fwd PE 7.99
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

  • GLJ's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. GLJ is more expensive than 63.64% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 64.63
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

  • A more expensive valuation may be justified as GLJ's earnings are expected to grow with 17.41% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.72%
EPS Next 3Y17.41%

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

5

5. Dividend

5.1 Amount

  • GLJ has a Yearly Dividend Yield of 2.75%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.26, GLJ pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, GLJ pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.75%

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 2Y10.72%
EPS Next 3Y17.41%
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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GRENKE AG

FRA:GLJ (2/27/2026, 7:00:00 PM)

14.68

+0.14 (+0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-07
Earnings (Next)03-12
Inst Owners22.61%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap682.62M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78
Price Target21.45 (46.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.75%
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)-5.85%
PT rev (3m)-0.79%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.14%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.81%
Valuation
Industry RankSector Rank
PE 12.77
Fwd PE 7.99
P/S 0.76
P/FCF N/A
P/OCF N/A
P/B 0.5
P/tB 0.56
EV/EBITDA 64.63
EPS(TTM)1.15
EY7.83%
EPS(NY)1.84
Fwd EY12.52%
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
WACC2.01%
ROIC/WACC0.51
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-8.05%
EPS Next 2Y10.72%
EPS Next 3Y17.41%
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 12.77 and the Price/Book (PB) ratio is 0.5.


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 -8.05% in the next year.