Overview Dividends

(GLJ) Grenke - Ratings and Ratios

Exchange: XETRA • Country: Germany • Currency: EUR • Type: Common Stock • ISIN: DE000A161N30

Financial Services, Equipment Leasing, IT Leasing, Microloans, Factoring

GLJ EPS (Earnings per Share)

EPS Growth (3Y CAGR): -11.65%
EPS Trend (3Y Correlation): -66.6%

GLJ Revenue

Revenue Growth (3Y CAGR): 17.10%
Revenue Trend (3Y Correlation): 82.5%

Description: GLJ Grenke

Grenke AG is a leading provider of financial services to small and medium-sized enterprises (SMEs) in Europe and beyond, offering a diverse range of leasing and financing solutions, including commercial leasing, IT leasing, and factoring services. The companys comprehensive portfolio caters to various industries, including office communication, medical technology, and green economy sectors.

With a strong presence in Germany, France, and Italy, Grenke AG has established itself as a reliable partner for SMEs, providing tailored financial solutions to support their growth and development. The companys online platform also offers fixed-term deposits to private and commercial customers, expanding its reach beyond traditional leasing and financing services.

Analyzing the companys , we observe that the stock has recently broken above its 20-day Simple Moving Average (SMA20) of 14.04, indicating a potential bullish trend. However, the stock remains below its 200-day SMA of 16.66, suggesting that the long-term trend is still bearish. The Average True Range (ATR) of 0.43 represents a 2.90% daily price movement, indicating moderate volatility.

From a fundamental perspective, Grenke AGs reveals a market capitalization of 654.72M EUR, with a Price-to-Earnings (P/E) ratio of 11.95 and a forward P/E of 12.72. The companys Return on Equity (RoE) stands at 5.12%, indicating a relatively stable profitability profile. Considering the current P/E ratio and the companys growth prospects, we forecast a potential price target of 18.50 EUR in the next 6-12 months, representing a 25% upside from the current price. This forecast is based on the assumption that Grenke AG will continue to expand its leasing and financing business, while maintaining its profitability profile.

Our analysis suggests that Grenke AG is poised for potential growth, driven by its diversified financial services portfolio and expanding online presence. While the stocks long-term trend remains bearish, the recent break above the SMA20 and moderate volatility indicate a potential buying opportunity. Investors should closely monitor the companys future performance and adjust their strategies accordingly.

GLJ Stock Overview

Market Cap in USD	892m
Sub-Industry	Consumer Finance
IPO / Inception

GLJ Stock Ratings

Growth Rating	-63.0%
Fundamental	62.8%
Dividend Rating	19.5%
Return 12m vs S&P 500	-42.4%
Analyst Rating	-

GLJ Dividends

Dividend Yield 12m	2.42%
Yield on Cost 5y	0.72%
Annual Growth 5y	-22.49%
Payout Consistency	95.2%
Payout Ratio	40.8%

GLJ Growth Ratios

Growth Correlation 3m	71.1%
Growth Correlation 12m	-33.9%
Growth Correlation 5y	-81.1%
CAGR 5y	-21.05%
CAGR/Max DD 5y	-0.27
Sharpe Ratio 12m	-0.69
Alpha	-47.99
Beta	1.014
Volatility	40.12%
Current Volume	34.1k
Average Volume 20d	62.8k
Stop Loss	16.2 (-3.9%)
Signal	-1.91

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (55.6m TTM) > 0 and > 6% of Revenue (6% = 52.8m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA 3.76pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 64.55% (prev -280.3%; Δ 344.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.05 (>3.0%) and CFO 434.4m > Net Income 55.6m (YES >=105%, WARN >=100%)

Net Debt (3.73b) to EBITDA (179.8m) ratio: 20.72 <= 3.0 (WARN <= 3.5)

Current Ratio 1.18 (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 -3.74% (target <= -2.0% for YES)

Gross Margin 47.76% (prev 61.32%; Δ -13.56pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 10.83% (prev 9.72%; Δ 1.12pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 18.62 (EBITDA TTM 179.8m / Interest Expense TTM 8.36m) >= 6 (WARN >= 3)

Altman Z'' 0.99

(A) 0.06 = (Total Current Assets 3.72b - Total Current Liabilities 3.15b) / Total Assets 8.93b

(B) 0.10 = Retained Earnings (Balance) 870.4m / Total Assets 8.93b

(D) 0.12 = Book Value of Equity 916.9m / Total Liabilities 7.51b

Total Rating: 0.99 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 62.76

1. Piotroski 5.0pt = 0.0

2. FCF Yield 9.61% = 4.80

3. FCF Margin 47.98% = 7.50

4. Debt/Equity 3.38 = -1.31

5. Debt/Ebitda 25.93 = -2.50

6. ROIC - WACC 0.62% = 0.77

7. RoE 4.11% = 0.34

8. Rev. Trend 82.54% = 4.13

9. Rev. CAGR 17.10% = 2.14

10. EPS Trend -66.65% = -1.67

11. EPS CAGR -11.65% = -1.46

What is the price of GLJ shares?

As of August 31, 2025, the stock is trading at EUR 16.86 with a total of 34,061 shares traded.
Over the past week, the price has changed by -7.77%, over one month by -7.57%, over three months by +20.09% and over the past year by -32.58%.

Is Grenke a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Grenke is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 62.76 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GLJ is around 15.10 EUR . This means that GLJ is currently overvalued and has a potential downside of -10.44%.

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	22.7	34.5%
Analysts Target Price	-	-
ValueRay Target Price	15.9	-5.5%

GLJ Fundamental Data Overview

Market Cap USD = 892.3m (766.0m EUR * 1.1648 EUR.USD)
Market Cap EUR = 766.0m (766.0m EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 1.03b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 17.6939
P/E Forward = 12.7226
P/S = 1.2435
P/B = 0.557
P/EG = 0.7485
Beta = 1.425
Revenue TTM = 880.6m EUR
EBIT TTM = 155.6m EUR
EBITDA TTM = 179.8m EUR
Long Term Debt = 3.14b EUR (from longTermDebt, last quarter)
Short Term Debt = 1.53b EUR (from shortTermDebt, last quarter)
Debt = 4.66b EUR (Calculated: Short Term 1.53b + Long Term 3.14b)
Net Debt = 3.73b EUR (from netDebt column, last quarter)
Enterprise Value = 4.40b EUR (766.0m + Debt 4.66b - CCE 1.03b)
Interest Coverage Ratio = 18.62 (Ebit TTM 155.6m / Interest Expense TTM 8.36m)
FCF Yield = 9.61% (FCF TTM 422.6m / Enterprise Value 4.40b)
FCF Margin = 47.98% (FCF TTM 422.6m / Revenue TTM 880.6m)
Net Margin = 6.31% (Net Income TTM 55.6m / Revenue TTM 880.6m)
Gross Margin = 47.76% ((Revenue TTM 880.6m - Cost of Revenue TTM 460.0m) / Revenue TTM)
Tobins Q-Ratio = 4.80 (Enterprise Value 4.40b / Book Value Of Equity 916.9m)
Interest Expense / Debt = 0.18% (Interest Expense 8.36m / Debt 4.66b)
Taxrate = 21.53% (from yearly Income Tax Expense: 19.2m / 89.4m)
NOPAT = 122.1m (EBIT 155.6m * (1 - 21.53%))
Current Ratio = 1.18 (Total Current Assets 3.72b / Total Current Liabilities 3.15b)
Debt / Equity = 3.38 (Debt 4.66b / last Quarter total Stockholder Equity 1.38b)
Debt / EBITDA = 25.93 (Net Debt 3.73b / EBITDA 179.8m)
Debt / FCF = 11.04 (Debt 4.66b / FCF TTM 422.6m)
Total Stockholder Equity = 1.35b (last 4 quarters mean)
RoA = 0.62% (Net Income 55.6m, Total Assets 8.93b )
RoE = 4.11% (Net Income TTM 55.6m / Total Stockholder Equity 1.35b)
RoCE = 3.47% (Ebit 155.6m / (Equity 1.35b + L.T.Debt 3.14b))
RoIC = 2.12% (NOPAT 122.1m / Invested Capital 5.77b)
WACC = 1.50% (E(766.0m)/V(5.43b) * Re(9.75%)) + (D(4.66b)/V(5.43b) * Rd(0.18%) * (1-Tc(0.22)))
Shares Correlation 5-Years: -89.40 | Cagr: -1.27%
Discount Rate = 9.75% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 63.15% ; FCFE base≈282.2m ; Y1≈185.3m ; Y5≈84.7m
Fair Price DCF = 29.10 (DCF Value 1.29b / Shares Outstanding 44.2m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 82.54 | Revenue CAGR: 17.10%
Rev Growth-of-Growth: 8.42
EPS Correlation: -66.65 | EPS CAGR: -11.65%
EPS Growth-of-Growth: -42.18

Additional Sources for GLJ Stock

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