GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - FRA:GLJ - DE000A161N30 - Common Stock
13.96 EUR
+0.92 (+7.06%)
Taking everything into account, GLJ scores 4 out of 10 in our fundamental rating. GLJ was compared to 52 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.
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
Looking at the Return On Assets, with a value of 0.49%, GLJ is in line with its industry, outperforming 40.38% of the companies in the same industry.
GLJ has a Return On Equity of 3.16%. This is comparable to the rest of the industry: GLJ outperforms 55.77% of its industry peers.
GLJ has a Return On Invested Capital (0.99%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for GLJ is significantly below the industry average of 9.75%.
| 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
With a Profit Margin value of 5.07%, GLJ perfoms like the industry average, outperforming 53.85% of the companies in the same 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.
GLJ's Operating Margin has declined in the last couple of years.
GLJ has a better Gross Margin (71.46%) than 69.23% 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 just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, GLJ has less shares outstanding
GLJ has less shares outstanding than it did 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 0.38, we must say that GLJ is in the distress zone and has some risk of bankruptcy.
GLJ has a Altman-Z score of 0.38. This is in the lower half of the industry: GLJ underperforms 67.31% 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.
With a Debt to FCF ratio value of 16.68, GLJ is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
GLJ has a Debt/Equity ratio of 3.07. This is a high value indicating a heavy dependency on external financing.
GLJ has a worse Debt to Equity ratio (3.07) than 78.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.07 | ||
| Debt/FCF | 16.68 | ||
| Altman-Z | 0.38 |
ROIC/WACC0.53
WACC1.86%
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 comparable to the rest of the industry.
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.
The Quick ratio of GLJ (1.18) 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
The earnings per share for GLJ have decreased strongly by -47.09% 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.
Looking at the last year, GLJ shows a very strong growth in Revenue. 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 19.04% 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
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
GLJ is valuated correctly with a Price/Earnings ratio of 14.24.
GLJ's Price/Earnings ratio is a bit cheaper when compared to the industry. GLJ is cheaper than 69.23% of the companies in the same industry.
GLJ is valuated rather cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.99, the valuation of GLJ can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GLJ indicates a rather cheap valuation: GLJ is cheaper than 86.54% of the companies listed in the same industry.
GLJ is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.24 | ||
| Fwd PE | 6.99 |
4.2 Price Multiples
61.54% of the companies in the same industry are cheaper than GLJ, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, GLJ is valued cheaper than 96.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.54 | ||
| EV/EBITDA | 64.69 |
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)140.98
PEG (5Y)N/A
EPS Next 2Y15.37%
EPS Next 3Y19.04%
5. Dividend
5.1 Amount
GLJ has a Yearly Dividend Yield of 2.83%. Purely for dividend investing, there may be better candidates out there.
The stock price of GLJ dropped by -28.74% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
GLJ's Dividend Yield is a higher than the industry average which is at 3.37.
Compared to an average S&P500 Dividend Yield of 2.44, GLJ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.83% |
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 40.53% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP40.53%
EPS Next 2Y15.37%
EPS Next 3Y19.04%
FRA:GLJ (11/20/2025, 1:25:17 PM)
13.96
+0.92 (+7.06%)
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 Cap649.14M
Revenue(TTM)860.83M
Net Income(TTM)43.60M
Analysts78
Price Target21.59 (54.66%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.83% |
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 | 14.24 | ||
| Fwd PE | 6.99 | ||
| P/S | 0.75 | ||
| P/FCF | 1.54 | ||
| P/OCF | 1.49 | ||
| P/B | 0.47 | ||
| P/tB | 0.52 | ||
| EV/EBITDA | 64.69 |
EPS(TTM)0.98
EY7.02%
EPS(NY)2
Fwd EY14.3%
FCF(TTM)9.09
FCFY65.1%
OCF(TTM)9.34
OCFY66.93%
SpS18.51
BVpS29.71
TBVpS26.73
PEG (NY)140.98
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 | 0.38 |
F-Score4
WACC1.86%
ROIC/WACC0.53
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%.