GRENKE AG (GLJ.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GLJ - DE000A161N30 - Common Stock
15.98 EUR
+0.14 (+0.88%)
Overall GLJ gets a fundamental rating of 3 out of 10. We evaluated GLJ against 58 industry peers in the Financial Services industry. GLJ may be in some trouble as it scores bad on both profitability and health. GLJ has a correct valuation and a medium growth rate.
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.
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 (0.58%) is comparable to the rest of the industry.
GLJ has a Return On Equity (3.74%) which is comparable to the rest of the industry.
The Return On Invested Capital of GLJ (1.03%) is worse than 63.79% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GLJ is significantly below the industry average of 9.69%.
| 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's Profit Margin of 5.69% is in line compared to the rest of the industry. GLJ outperforms 50.00% of its industry peers.
GLJ's Profit Margin has declined in the last couple of years.
GLJ has a Operating Margin (9.01%) which is in line with its industry peers.
In the last couple of years the Operating Margin of GLJ has declined.
GLJ has a Gross Margin of 71.10%. This is in the better half of the industry: GLJ outperforms 74.14% of its industry peers.
GLJ's Gross Margin has declined in the last couple of years.
| 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
GLJ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
GLJ has less shares outstanding than it did 1 year ago.
The number of shares outstanding for GLJ has been reduced compared to 5 years ago.
Compared to 1 year ago, GLJ has a worse debt to assets ratio.
2.2 Solvency
GLJ has an Altman-Z score of 0.45. This is a bad value and indicates that GLJ is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of GLJ (0.45) is worse than 63.79% of its industry peers.
A Debt/Equity ratio of 3.41 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 3.41, GLJ is doing worse than 81.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.45 |
ROIC/WACC0.49
WACC2.11%
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.
A Quick Ratio of 1.32 indicates that GLJ should not have too much problems paying its short term obligations.
GLJ has a Quick ratio (1.32) which is in line with 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.
The earnings per share for GLJ have been decreasing by -13.02% on average. This is quite bad
GLJ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.53%.
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 17.99% on average per year.
GLJ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.52% yearly.
EPS Next Y-4.34%
EPS Next 2Y12.59%
EPS Next 3Y17.99%
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
The Price/Earnings ratio is 13.90, which indicates a correct valuation of GLJ.
62.07% of the companies in the same industry are more expensive than GLJ, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of GLJ to the average of the S&P500 Index (27.19), we can say GLJ is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 8.41, the valuation of GLJ can be described as reasonable.
GLJ's Price/Forward Earnings ratio is rather cheap when compared to the industry. GLJ is cheaper than 81.03% of the companies in the same industry.
GLJ is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 8.41 |
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 67.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 65.15 |
4.3 Compensation for Growth
GLJ's earnings are expected to grow with 17.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.59%
EPS Next 3Y17.99%
5. Dividend
5.1 Amount
GLJ has a Yearly Dividend Yield of 2.53%. 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 2.02.
GLJ's Dividend Yield is a higher than the S&P500 average which is at 1.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
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 2Y12.59%
EPS Next 3Y17.99%
FRA:GLJ (1/9/2026, 7:00:00 PM)
15.98
+0.14 (+0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners22.61%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap743.07M
Revenue(TTM)897.04M
Net Income(TTM)51.05M
Analysts78.18
Price Target22.44 (40.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
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)3.77%
PT rev (3m)3.94%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.73%
EPS NY rev (3m)-3.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)-0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 8.41 | ||
| P/S | 0.83 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.54 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 65.15 |
EPS(TTM)1.15
EY7.2%
EPS(NY)1.9
Fwd EY11.89%
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 Rank | Sector 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 Rank | Sector 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 | 0.45 |
F-Score3
WACC2.11%
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)-28.94%
EPS 3Y-9.44%
EPS 5Y-13.02%
EPS Q2Q%57.6%
EPS Next Y-4.34%
EPS Next 2Y12.59%
EPS Next 3Y17.99%
EPS Next 5YN/A
Revenue 1Y (TTM)19.53%
Revenue growth 3Y10.98%
Revenue growth 5Y5.76%
Sales Q2Q%17.95%
Revenue Next Year17.05%
Revenue Next 2Y14.78%
Revenue Next 3Y13.52%
Revenue Next 5YN/A
EBIT growth 1Y-25.43%
EBIT growth 3Y-4.55%
EBIT growth 5Y-10.69%
EBIT Next Year27.4%
EBIT Next 3Y25.83%
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 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 13.9 and the Price/Book (PB) ratio is 0.54.
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 -4.34% in the next year.