Grenke AG Logo

Grenke AG

GLJ.DE

(2.0)
Stock Price

15,94 EUR

1.32% ROA

7.92% ROE

12.04x PER

Market Cap.

1.146.156.631,00 EUR

501.68% DER

1.87% Yield

13.44% NPM

Grenke AG Stock Analysis

Grenke AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Grenke AG Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.8x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

The stock's ROE falls within an average range (6.78%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.37%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

6 Buffet Intrinsic Value

The company's stock seems undervalued (158) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The company has a high debt to equity ratio (261%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Grenke AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Grenke AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Grenke AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Grenke AG Revenue
Year Revenue Growth
2005 0
2006 0 0%
2007 40.213 100%
2008 96.004.000 99.96%
2009 87.025.000 -10.32%
2010 100.211.000 13.16%
2011 120.408.000 16.77%
2012 1.155.541.000 89.58%
2013 1.299.025.000 11.05%
2014 1.471.280.000 11.71%
2015 1.737.759.000 15.33%
2016 1.977.562.000 12.13%
2017 2.436.658.000 18.84%
2018 2.904.611.000 16.11%
2019 674.344.000 -330.73%
2020 659.164.000 -2.3%
2021 608.599.000 -8.31%
2022 614.024.000 0.88%
2023 660.652.000 7.06%
2023 654.385.000 -0.96%
2024 781.608.000 16.28%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Grenke AG Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 3.261.000 100%
2020 4.346.000 24.97%
2021 6.276.000 30.75%
2022 4.675.000 -34.25%
2023 0 0%
2023 4.393.000 100%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Grenke AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 26.373.000 100%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 32.228.000 100%
2020 45.132.000 28.59%
2021 61.438.000 26.54%
2022 47.755.000 -28.65%
2023 0 0%
2023 51.600.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Grenke AG EBITDA
Year EBITDA Growth
2005 4.434.000
2006 5.004.000 11.39%
2007 5.534.213 9.58%
2008 50.985.000 89.15%
2009 39.983.000 -27.52%
2010 45.104.000 11.35%
2011 59.356.000 24.01%
2012 87.012.000 31.78%
2013 98.106.000 11.31%
2014 128.435.000 23.61%
2015 156.680.000 18.03%
2016 189.123.000 17.15%
2017 222.173.000 14.88%
2018 265.885.000 16.44%
2019 398.993.000 33.36%
2020 355.463.000 -12.25%
2021 286.077.000 -24.25%
2022 110.365.000 -159.21%
2023 114.360.000 3.49%
2023 138.109.000 17.2%
2024 144.064.000 4.13%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Grenke AG Gross Profit
Year Gross Profit Growth
2005 0
2006 0 0%
2007 40.213 100%
2008 96.004.000 99.96%
2009 87.025.000 -10.32%
2010 100.211.000 13.16%
2011 120.408.000 16.77%
2012 160.473.000 24.97%
2013 185.540.000 13.51%
2014 221.035.000 16.06%
2015 265.045.000 16.6%
2016 302.603.000 12.41%
2017 341.830.000 11.48%
2018 349.992.000 2.33%
2019 498.581.000 29.8%
2020 468.736.000 -6.37%
2021 414.830.000 -12.99%
2022 384.379.000 -7.92%
2023 354.228.000 -8.51%
2023 499.038.000 29.02%
2024 556.772.000 10.37%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Grenke AG Net Profit
Year Net Profit Growth
2005 0
2006 0 0%
2007 0 0%
2008 33.143.000 100%
2009 24.612.000 -34.66%
2010 27.836.000 11.58%
2011 39.251.000 29.08%
2012 42.461.000 7.56%
2013 47.012.000 9.68%
2014 65.044.000 27.72%
2015 80.845.000 19.54%
2016 103.234.000 21.69%
2017 124.982.000 17.4%
2018 131.110.000 4.67%
2019 142.060.000 7.71%
2020 93.666.000 -51.67%
2021 99.538.000 5.9%
2022 90.375.000 -10.14%
2023 98.388.000 8.14%
2023 92.316.000 -6.58%
2024 105.608.000 12.59%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Grenke AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 0 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 2 0%
2016 2 50%
2017 2 0%
2018 3 0%
2019 3 0%
2020 2 -100%
2021 2 0%
2022 2 0%
2023 2 50%
2023 2 -100%
2024 2 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Grenke AG Free Cashflow
Year Free Cashflow Growth
2005 84.899.000
2006 75.238.000 -12.84%
2007 92.244.000 18.44%
2008 32.702.000 -182.07%
2009 14.933.000 -118.99%
2010 -17.696.000 184.39%
2011 37.998.000 146.57%
2012 54.480.000 30.25%
2013 -32.519.000 267.53%
2014 -14.965.000 -117.3%
2015 108.497.000 113.79%
2016 -28.073.000 486.48%
2017 10.786.000 360.27%
2018 4.836.000 -123.04%
2019 87.010.000 94.44%
2020 549.907.000 84.18%
2021 -79.168.000 794.61%
2022 -355.052.000 77.7%
2023 -314.894.000 -12.75%
2023 367.383.000 185.71%
2024 -278.076.000 232.12%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Grenke AG Operating Cashflow
Year Operating Cashflow Growth
2005 84.899.000
2006 75.238.000 -12.84%
2007 92.244.000 18.44%
2008 42.744.000 -115.81%
2009 16.003.000 -167.1%
2010 -13.602.000 217.65%
2011 41.584.000 132.71%
2012 62.597.000 33.57%
2013 -25.829.000 342.35%
2014 -9.257.000 -179.02%
2015 119.827.000 107.73%
2016 -16.241.000 837.81%
2017 27.953.000 158.1%
2018 20.401.000 -37.02%
2019 109.299.000 81.33%
2020 567.187.000 80.73%
2021 -72.041.000 887.31%
2022 -346.839.000 79.23%
2023 -307.861.000 -12.66%
2023 369.329.000 183.36%
2024 -276.598.000 233.53%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Grenke AG Capital Expenditure
Year Capital Expenditure Growth
2005 0
2006 0 0%
2007 0 0%
2008 10.042.000 100%
2009 1.070.000 -838.5%
2010 4.094.000 73.86%
2011 3.586.000 -14.17%
2012 8.117.000 55.82%
2013 6.690.000 -21.33%
2014 5.708.000 -17.2%
2015 11.330.000 49.62%
2016 11.832.000 4.24%
2017 17.167.000 31.08%
2018 15.565.000 -10.29%
2019 22.289.000 30.17%
2020 17.280.000 -28.99%
2021 7.127.000 -142.46%
2022 8.213.000 13.22%
2023 7.033.000 -16.78%
2023 1.946.000 -261.41%
2024 1.478.000 -31.66%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Grenke AG Equity
Year Equity Growth
2005 176.142.000
2006 201.680.000 12.66%
2007 226.167.000 10.83%
2008 246.414.000 8.22%
2009 262.884.000 6.27%
2010 287.773.000 8.65%
2011 317.657.000 9.41%
2012 350.973.000 9.49%
2013 439.462.000 20.14%
2014 492.986.000 10.86%
2015 590.654.000 16.54%
2016 3.708.120.000 84.07%
2017 4.572.918.000 18.91%
2018 5.490.997.000 16.72%
2019 1.227.648.000 -347.28%
2020 1.193.103.000 -2.9%
2021 1.268.996.000 5.98%
2022 1.332.167.000 4.74%
2023 1.347.161.000 1.11%
2023 1.154.870.000 -16.65%
2024 1.140.197.000 -1.29%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Grenke AG Assets
Year Assets Growth
2005 1.074.766.976
2006 1.179.970.944 8.92%
2007 1.261.409.024 6.46%
2008 1.455.397.000 13.33%
2009 1.501.659.000 3.08%
2010 1.670.993.000 10.13%
2011 1.968.968.000 15.13%
2012 2.352.292.000 16.3%
2013 2.638.088.000 10.83%
2014 2.924.950.000 9.81%
2015 3.474.530.000 15.82%
2016 3.971.452.000 12.51%
2017 4.842.205.000 17.98%
2018 5.876.491.000 17.6%
2019 7.147.482.000 17.78%
2020 7.331.781.000 2.51%
2021 6.660.940.000 -10.07%
2022 6.412.743.000 -3.87%
2023 7.122.050.000 9.96%
2023 7.099.541.000 -0.32%
2024 7.331.290.000 3.16%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Grenke AG Liabilities
Year Liabilities Growth
2005 898.624.976
2006 978.290.944 8.14%
2007 1.035.242.024 5.5%
2008 1.208.983.000 14.37%
2009 1.238.775.000 2.4%
2010 1.383.220.000 10.44%
2011 1.651.311.000 16.24%
2012 2.001.319.000 17.49%
2013 2.198.626.000 8.97%
2014 2.431.964.000 9.59%
2015 2.883.876.000 15.67%
2016 3.281.032.000 12.1%
2017 3.985.636.000 17.68%
2018 4.789.394.000 16.78%
2019 5.898.732.000 18.81%
2020 6.138.678.000 3.91%
2021 5.391.944.000 -13.85%
2022 5.080.576.000 -6.13%
2023 5.774.889.000 12.02%
2023 5.944.671.000 2.86%
2024 6.191.093.000 3.98%

Grenke AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.57
Net Income per Share
2.09
Price to Earning Ratio
12.04x
Price To Sales Ratio
1.6x
POCF Ratio
-10.94
PFCF Ratio
-10.15
Price to Book Ratio
1
EV to Sales
8.97
EV Over EBITDA
51.01
EV to Operating CashFlow
-60.6
EV to FreeCashFlow
-56.76
Earnings Yield
0.08
FreeCashFlow Yield
-0.1
Market Cap
1,15 Bil.
Enterprise Value
6,41 Bil.
Graham Number
34.45
Graham NetNet
-20.13

Income Statement Metrics

Net Income per Share
2.09
Income Quality
-1.11
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.82
EBT Per Ebit
1.06
Ebit per Revenue
0.15
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0.01
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.67
Operating Profit Margin
0.15
Pretax Profit Margin
0.16
Net Profit Margin
0.13

Dividends

Dividend Yield
0.02
Dividend Yield %
1.87
Payout Ratio
0.38
Dividend Per Share
0.47

Operating Metrics

Operating Cashflow per Share
-2.3
Free CashFlow per Share
-2.46
Capex to Operating CashFlow
-0.07
Capex to Revenue
0.01
Capex to Depreciation
0.27
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
3109.22
Days Payables Outstanding
83.06
Days of Inventory on Hand
0
Receivables Turnover
0.12
Payables Turnover
4.39
Inventory Turnover
0
Capex per Share
0.16

Balance Sheet

Cash per Share
15,32
Book Value per Share
24,85
Tangible Book Value per Share
23.87
Shareholders Equity per Share
25.2
Interest Debt per Share
127.02
Debt to Equity
5.02
Debt to Assets
0.79
Net Debt to EBITDA
41.88
Current Ratio
1.21
Tangible Asset Value
1,10 Bil.
Net Current Asset Value
-3,10 Bil.
Invested Capital
707470000
Working Capital
0,53 Bil.
Intangibles to Total Assets
0.01
Average Receivables
5,96 Bil.
Average Payables
0,05 Bil.
Average Inventory
0
Debt to Market Cap
5.06

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Grenke AG Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 2 0%
2017 2 0%
2018 1 0%
2019 1 0%
2020 2 100%
2021 0 0%
2022 1 0%
2023 0 0%
2024 0 0%

Grenke AG Profile

About Grenke AG

Grenke AG, together with its subsidiaries, provides a range of banking and financial services to small and medium-sized (SME) enterprises in Germany, France, Italy, and internationally. It operates through three segments: Leasing, Banking, and Factoring. The company is involved in the leasing activities, such as financing to commercial lessees, leasing, service, protection, and maintenance offerings, as well as disposal of used equipment; and small-ticket leasing of IT products, such as PCs, notebooks, servers, monitors, peripheral equipment, software, telecommunication and copying and medical technology, as well as other IT products. It also provides banking products and services, such as fixed deposits to private and business customers through its Website; financing services to business start-ups, as well as development loans to SMEs and self-employed professionals; and small-ticket factoring services. Grenke AG operates a total of 154 locations. The company was formerly known as GrenkeLeasing AG and changed its name to Grenke AG in May 2016. Grenke AG was founded in 1978 and is headquartered in Baden-Baden, Germany.

CEO
Dr. Sebastian Hirsch B.A.
Employee
2.200
Address
Neuer Markt 2
Baden-Baden, 76532

Grenke AG Executives & BODs

Grenke AG Executives & BODs
# Name Age
1 Dr. Martin Paal
Chief Financial Officer & Member of Management Board
70
2 Ms. Anke Linnartz
Director of Investor Relations
70
3 Ms. Isabel Rosler
Chief Risk Officer, Member of Management Board & Director
70
4 Dr. Sebastian Hirsch B.A.
Chairman of the Management Board & Chief Executive Officer
70
5 Mr. Gilles Christ M.B.A.
Chief Sales & Marketing Officer and Member of the Management Board
70

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