GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:GLJ • DE000A161N30
14.4 EUR
-0.32 (-2.17%)
Last: Jan 30, 2026, 07:00 PM
Taking everything into account, GLJ scores 3 out of 10 in our fundamental rating. GLJ was compared to 55 industry peers in the Financial Services industry. GLJ has a bad profitability rating. Also its financial health evaluation is rather negative. 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 negative operating cash flow in the past year.
- 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 has a worse Return On Assets (0.58%) than 60.00% of its industry peers.
- With a Return On Equity value of 3.74%, GLJ perfoms like the industry average, outperforming 52.73% of the companies in the same industry.
- GLJ has a worse Return On Invested Capital (1.03%) than 63.64% of its industry peers.
- GLJ had an Average Return On Invested Capital over the past 3 years of 1.98%. This is significantly below the industry average of 9.19%.
| 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
- GLJ has a Profit Margin of 5.69%. This is comparable to the rest of the industry: GLJ outperforms 45.45% of its industry peers.
- GLJ's Profit Margin has declined in the last couple of years.
- GLJ's Operating Margin of 9.01% is in line compared to the rest of the industry. GLJ outperforms 41.82% of its industry peers.
- In the last couple of years the Operating Margin of GLJ has declined.
- GLJ has a better Gross Margin (71.10%) than 72.73% 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.
- 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.
- GLJ has a worse debt/assets ratio than last year.
2.2 Solvency
- GLJ has an Altman-Z score of 0.44. This is a bad value and indicates that GLJ is not financially healthy and even has some risk of bankruptcy.
- GLJ's Altman-Z score of 0.44 is on the low side compared to the rest of the industry. GLJ is outperformed by 61.82% of its industry peers.
- GLJ has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of GLJ (3.41) is worse than 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.44 |
ROIC/WACC0.52
WACC1.99%
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.
- GLJ has a Current ratio (1.32) which is in line with its industry peers.
- 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's Quick ratio of 1.32 is in line compared to the rest of the industry. GLJ outperforms 58.18% of its industry peers.
| 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.
- 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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.53%.
- GLJ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.76% yearly.
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 17.41% 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-8.05%
EPS Next 2Y10.72%
EPS Next 3Y17.41%
EPS Next 5YN/A
Revenue Next Year17.05%
Revenue Next 2Y14.78%
Revenue Next 3Y13.52%
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.
- 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 12.52, 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.
- The average S&P500 Price/Earnings ratio is at 28.32. GLJ is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 7.83, the valuation of GLJ can be described as very cheap.
- 76.36% of the companies in the same industry are more expensive than GLJ, based on the Price/Forward Earnings ratio.
- GLJ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.52 | ||
| Fwd PE | 7.83 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GLJ is valued a bit more expensive than the industry average as 67.27% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 64.51 |
4.3 Compensation for Growth
- GLJ's earnings are expected to grow with 17.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.72%
EPS Next 3Y17.41%
5. Dividend
5.1 Amount
- GLJ has a Yearly Dividend Yield of 2.72%. 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 2.10.
- Compared to an average S&P500 Dividend Yield of 1.83, GLJ pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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 2Y10.72%
EPS Next 3Y17.41%
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 12.52 and the Price/Book (PB) ratio is 0.49.
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.