(GLJ) Grenke - Ratings and Ratios
Exchange: XETRA •
Country: Germany •
Currency: EUR •
Type: Common Stock •
ISIN: DE000A161N30
Leasing, Factoring, Banking, Services, Resale
Dividends
| Dividend Yield | 2.71% |
| Yield on Cost 5y | 1.19% |
| Yield CAGR 5y | -27.27% |
| Payout Consistency | 92.5% |
| Payout Ratio | 58.8% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 37.0% |
| Value at Risk 5%th | 50.3% |
| Relative Tail Risk | -17.46% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.03 |
| Alpha | -9.90 |
| CAGR/Max DD | -0.19 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.480 |
| Beta | 0.245 |
| Beta Downside | 0.557 |
| Drawdowns 3y | |
|---|---|
| Max DD | 58.85% |
| Mean DD | 31.41% |
| Median DD | 29.67% |
Description: GLJ Grenke October 22, 2025
Grenke AG (XETRA: GLJ) and its subsidiaries deliver a suite of financial services to small- and medium-sized enterprises across Germany, France, Italy and other markets, focusing on commercial leasing, equipment resale and small-ticket IT leasing (e.g., PCs, servers, monitors). The product mix also covers office communication gear, medical technology, security devices and “green” assets such as wall-boxes, photovoltaic systems and e-bikes. In addition, Grenke offers fixed-term deposits, micro-loans, start-up financing, development loans and small-ticket factoring through its digital platforms.
Key recent metrics (Q2 2024) show a €2.3 bn total leasing portfolio, up 7 % YoY, driven largely by the growth of renewable-energy equipment leasing, while net interest margin has compressed to 2.1 % amid a rising European policy-rate environment. The German SME sector, which accounts for roughly 60 % of Grenke’s revenue, remains sensitive to credit-cost fluctuations and the broader macro-trend of digital transformation, both of which can materially affect demand for the company’s leasing and factoring services.
For a deeper, data-rich assessment of Grenke’s valuation and risk profile, you may find the analytics on ValueRay worth a look.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (63.4m TTM) > 0 and > 6% of Revenue (6% = 55.2m TTM) |
| FCFTA -0.05 (>2.0%) and ΔFCFTA -10.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 94.35% (prev 82.62%; Δ 11.72pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.05 (>3.0%) and CFO -439.4m <= Net Income 63.4m (YES >=105%, WARN >=100%) |
| Net Debt (4.04b) to EBITDA (145.4m) ratio: 27.79 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.32 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (44.2m) change vs 12m ago -4.98% (target <= -2.0% for YES) |
| Gross Margin 53.85% (prev 59.38%; Δ -5.52pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.84% (prev 9.15%; Δ 1.69pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 71.67 (EBITDA TTM 145.4m / Interest Expense TTM 1.84m) >= 6 (WARN >= 3) |
Altman Z'' 1.20
| (A) 0.10 = (Total Current Assets 3.54b - Total Current Liabilities 2.67b) / Total Assets 8.81b |
| (B) 0.10 = Retained Earnings (Balance) 870.2m / Total Assets 8.81b |
| (C) 0.02 = EBIT TTM 131.6m / Avg Total Assets 8.49b |
| (D) 0.12 = Book Value of Equity 916.7m / Total Liabilities 7.45b |
| Total Rating: 1.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 38.25
| 1. Piotroski 3.50pt |
| 2. FCF Yield -10.25% |
| 3. FCF Margin -46.52% |
| 4. Debt/Equity 3.17 |
| 5. Debt/Ebitda 27.79 |
| 6. ROIC - WACC (= 0.82)% |
| 7. RoE 4.66% |
| 8. Rev. Trend 85.00% |
| 9. EPS Trend -40.32% |
What is the price of GLJ shares?
As of December 14, 2025, the stock is trading at EUR 14.78 with a total of 90,724 shares traded.
Over the past week, the price has changed by -1.60%, over one month by -0.14%, over three months by -8.31% and over the past year by -3.18%.
Over the past week, the price has changed by -1.60%, over one month by -0.14%, over three months by -8.31% and over the past year by -3.18%.
Is GLJ a buy, sell or hold?
Grenke has no consensus analysts rating.
What are the forecasts/targets for the GLJ price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 23.3 | 57.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 14 | -5.6% |
GLJ Fundamental Data Overview December 08, 2025
Market Cap USD = 737.8m (630.6m EUR * 1.1701 EUR.USD)
Market Cap EUR = 630.6m (630.6m EUR * 1.0 EUR.EUR)
P/E Trailing = 14.4286
P/E Forward = 12.7226
P/S = 1.0423
P/B = 0.4863
P/EG = 0.7485
Beta = 1.49
Revenue TTM = 919.7m EUR
EBIT TTM = 131.6m EUR
EBITDA TTM = 145.4m EUR
Long Term Debt = 4.63b EUR (from longTermDebt, last quarter)
Short Term Debt = 1.21b EUR (from shortLongTermDebt, last quarter)
Debt = 4.32b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 4.04b EUR (from netDebt column, last quarter)
Enterprise Value = 4.17b EUR (630.6m + Debt 4.32b - CCE 776.0m)
Interest Coverage Ratio = 71.67 (Ebit TTM 131.6m / Interest Expense TTM 1.84m)
FCF Yield = -10.25% (FCF TTM -427.8m / Enterprise Value 4.17b)
FCF Margin = -46.52% (FCF TTM -427.8m / Revenue TTM 919.7m)
Net Margin = 6.89% (Net Income TTM 63.4m / Revenue TTM 919.7m)
Gross Margin = 53.85% ((Revenue TTM 919.7m - Cost of Revenue TTM 424.4m) / Revenue TTM)
Gross Margin QoQ = 71.20% (prev 47.19%)
Tobins Q-Ratio = 0.47 (Enterprise Value 4.17b / Total Assets 8.81b)
Interest Expense / Debt = 0.01% (Interest Expense 528.0k / Debt 4.32b)
Taxrate = 24.25% (7.18m / 29.6m)
NOPAT = 99.7m (EBIT 131.6m * (1 - 24.25%))
Current Ratio = 1.32 (Total Current Assets 3.54b / Total Current Liabilities 2.67b)
Debt / Equity = 3.17 (Debt 4.32b / totalStockholderEquity, last quarter 1.36b)
Debt / EBITDA = 27.79 (Net Debt 4.04b / EBITDA 145.4m)
Debt / FCF = -9.44 (negative FCF - burning cash) (Net Debt 4.04b / FCF TTM -427.8m)
Total Stockholder Equity = 1.36b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.72% (Net Income 63.4m / Total Assets 8.81b)
RoE = 4.66% (Net Income TTM 63.4m / Total Stockholder Equity 1.36b)
RoCE = 2.20% (EBIT 131.6m / Capital Employed (Equity 1.36b + L.T.Debt 4.63b))
RoIC = 1.71% (NOPAT 99.7m / Invested Capital 5.84b)
WACC = 0.89% (E(630.6m)/V(4.95b) * Re(6.92%) + D(4.32b)/V(4.95b) * Rd(0.01%) * (1-Tc(0.24)))
Discount Rate = 6.92% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.52%
Fair Price DCF = unknown (Cash Flow -427.8m)
EPS Correlation: -40.32 | EPS CAGR: -16.15% | SUE: -0.20 | # QB: 0
Revenue Correlation: 85.00 | Revenue CAGR: 9.32% | SUE: 0.91 | # QB: 1
EPS next Year (2026-12-31): EPS=2.09 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=+37.5% | Growth Revenue=+12.1%
Market Cap EUR = 630.6m (630.6m EUR * 1.0 EUR.EUR)
P/E Trailing = 14.4286
P/E Forward = 12.7226
P/S = 1.0423
P/B = 0.4863
P/EG = 0.7485
Beta = 1.49
Revenue TTM = 919.7m EUR
EBIT TTM = 131.6m EUR
EBITDA TTM = 145.4m EUR
Long Term Debt = 4.63b EUR (from longTermDebt, last quarter)
Short Term Debt = 1.21b EUR (from shortLongTermDebt, last quarter)
Debt = 4.32b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 4.04b EUR (from netDebt column, last quarter)
Enterprise Value = 4.17b EUR (630.6m + Debt 4.32b - CCE 776.0m)
Interest Coverage Ratio = 71.67 (Ebit TTM 131.6m / Interest Expense TTM 1.84m)
FCF Yield = -10.25% (FCF TTM -427.8m / Enterprise Value 4.17b)
FCF Margin = -46.52% (FCF TTM -427.8m / Revenue TTM 919.7m)
Net Margin = 6.89% (Net Income TTM 63.4m / Revenue TTM 919.7m)
Gross Margin = 53.85% ((Revenue TTM 919.7m - Cost of Revenue TTM 424.4m) / Revenue TTM)
Gross Margin QoQ = 71.20% (prev 47.19%)
Tobins Q-Ratio = 0.47 (Enterprise Value 4.17b / Total Assets 8.81b)
Interest Expense / Debt = 0.01% (Interest Expense 528.0k / Debt 4.32b)
Taxrate = 24.25% (7.18m / 29.6m)
NOPAT = 99.7m (EBIT 131.6m * (1 - 24.25%))
Current Ratio = 1.32 (Total Current Assets 3.54b / Total Current Liabilities 2.67b)
Debt / Equity = 3.17 (Debt 4.32b / totalStockholderEquity, last quarter 1.36b)
Debt / EBITDA = 27.79 (Net Debt 4.04b / EBITDA 145.4m)
Debt / FCF = -9.44 (negative FCF - burning cash) (Net Debt 4.04b / FCF TTM -427.8m)
Total Stockholder Equity = 1.36b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.72% (Net Income 63.4m / Total Assets 8.81b)
RoE = 4.66% (Net Income TTM 63.4m / Total Stockholder Equity 1.36b)
RoCE = 2.20% (EBIT 131.6m / Capital Employed (Equity 1.36b + L.T.Debt 4.63b))
RoIC = 1.71% (NOPAT 99.7m / Invested Capital 5.84b)
WACC = 0.89% (E(630.6m)/V(4.95b) * Re(6.92%) + D(4.32b)/V(4.95b) * Rd(0.01%) * (1-Tc(0.24)))
Discount Rate = 6.92% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.52%
Fair Price DCF = unknown (Cash Flow -427.8m)
EPS Correlation: -40.32 | EPS CAGR: -16.15% | SUE: -0.20 | # QB: 0
Revenue Correlation: 85.00 | Revenue CAGR: 9.32% | SUE: 0.91 | # QB: 1
EPS next Year (2026-12-31): EPS=2.09 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=+37.5% | Growth Revenue=+12.1%