GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - FRA:GLJ - DE000A161N30 - Common Stock
16.18 EUR
+0.28 (+1.76%)
Overall GLJ gets a fundamental rating of 3 out of 10. We evaluated GLJ against 46 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.
In the past year GLJ had a positive cash flow from operations.
In the past 5 years GLJ has always 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 0.49% is on the low side compared to the rest of the industry. GLJ is outperformed by 67.39% of its industry peers.
GLJ has a Return On Equity (3.16%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 0.99%, GLJ is doing worse than 67.39% 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 10.06%.
| 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
GLJ has a Profit Margin of 5.07%. This is in the lower half of the industry: GLJ underperforms 60.87% of its industry peers.
GLJ's Profit Margin has declined in the last couple of years.
GLJ has a Operating Margin (8.44%) which is in line with its industry peers.
GLJ's Operating Margin has declined in the last couple of years.
GLJ has a better Gross Margin (71.46%) than 65.22% 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
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
GLJ has less shares outstanding than it did 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 0.39, we must say that GLJ is in the distress zone and has some risk of bankruptcy.
GLJ has a worse Altman-Z score (0.39) than 69.57% 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.
GLJ has a Debt to FCF ratio of 16.68. This is in the lower half of the industry: GLJ underperforms 69.57% 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.
Looking at the Debt to Equity ratio, with a value of 3.07, GLJ is doing worse than 80.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.07 | ||
| Debt/FCF | 16.68 | ||
| Altman-Z | 0.39 |
ROIC/WACC0.47
WACC2.12%
2.3 Liquidity
A Current Ratio of 1.18 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ's Current ratio of 1.18 is in line compared to the rest of the industry. GLJ outperforms 47.83% of its industry peers.
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.
GLJ has a Quick ratio of 1.18. This is comparable to the rest of the industry: GLJ outperforms 47.83% of its industry peers.
| 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%.
The earnings per share for GLJ have been decreasing by -13.02% on average. This is quite bad
GLJ shows a strong growth in Revenue. In the last year, 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
GLJ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.01% yearly.
GLJ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.67% yearly.
EPS Next Y-1.11%
EPS Next 2Y15.26%
EPS Next 3Y19.01%
EPS Next 5YN/A
Revenue Next Year17.38%
Revenue Next 2Y14.84%
Revenue Next 3Y13.67%
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.
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 16.51, GLJ is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of GLJ is on the same level as its industry peers.
When comparing the Price/Earnings ratio of GLJ to the average of the S&P500 Index (27.20), we can say GLJ is valued slightly cheaper.
With a Price/Forward Earnings ratio of 8.12, the valuation of GLJ can be described as very reasonable.
Based on the Price/Forward Earnings ratio, GLJ is valued cheaply inside the industry as 80.43% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, GLJ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.51 | ||
| Fwd PE | 8.12 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 67.39% of the companies are valued more cheaply.
93.48% of the companies in the same industry are more expensive than GLJ, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.78 | ||
| EV/EBITDA | 66 |
4.3 Compensation for Growth
GLJ's earnings are expected to grow with 19.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.26%
EPS Next 3Y19.01%
5. Dividend
5.1 Amount
GLJ has a Yearly Dividend Yield of 2.46%. Purely for dividend investing, there may be better candidates out there.
GLJ's Dividend Yield is a higher than the industry average which is at 3.73.
GLJ's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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 2Y15.26%
EPS Next 3Y19.01%
FRA:GLJ (9/17/2025, 7:00:00 PM)
16.18
+0.28 (+1.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners20.4%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap752.37M
Analysts76
Price Target21.2 (31.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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)2.63%
PT rev (3m)4.44%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-12.45%
EPS NY rev (3m)-12.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.82%
Revenue NY rev (3m)-0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.51 | ||
| Fwd PE | 8.12 | ||
| P/S | 0.87 | ||
| P/FCF | 1.78 | ||
| P/OCF | 1.73 | ||
| P/B | 0.54 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 66 |
EPS(TTM)0.98
EY6.06%
EPS(NY)1.99
Fwd EY12.31%
FCF(TTM)9.09
FCFY56.17%
OCF(TTM)9.34
OCFY57.74%
SpS18.51
BVpS29.71
TBVpS26.73
PEG (NY)N/A
PEG (5Y)N/A
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%
ROICexcg growth 3Y-6.98%
ROICexcg 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
WACC2.12%
ROIC/WACC0.47
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 Y-1.11%
EPS Next 2Y15.26%
EPS Next 3Y19.01%
EPS Next 5YN/A
Revenue 1Y (TTM)20.58%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%15.94%
Revenue Next Year17.38%
Revenue Next 2Y14.84%
Revenue Next 3Y13.67%
Revenue Next 5YN/A
EBIT growth 1Y-38.03%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year28.04%
EBIT Next 3Y28.46%
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%