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Grenke AG (GLJ.DE)
Baden-Baden, DE
Grenke AG, established in 1978 and based in Baden-Baden, Germany, offers a broad spectrum of financial and banking services primarily aimed at small and medium-sized enterprises (SMEs). The company's operations extend across Germany, France, Italy, and various international markets. Its business is structured into three main divisions: Leasing, Banking, and Factoring. The Leasing segment specializes in small-value equipment financing, particularly for IT products like PCs, notebooks, servers, and telecommunications gear, as well as copying and medical technology. This division provides commercial clients with financing options, alongside comprehensive services such as protection plans, maintenance, and the management of used equipment disposal. Through its Banking division, Grenke offers fixed deposit accounts to both individual and corporate clients via its digital platform. It also extends funding to new business ventures and provides development loans to SMEs and independent professionals. Furthermore, its Factoring unit delivers small-ticket factoring services. With a global network of 154 locations, the company was originally known as GrenkeLeasing AG before adopting the name Grenke AG in May 2016.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +5.53% | +2.04% | -0.76% | -12.18% | -8.20% | -16.26% | -7.81% | -55.24% | -59.83% | -77.24% | +105.06% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 4 | 0 |
| Hold | 0 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+10.1% Q1'26: +12.5% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-10.4% Q1'26: +23.1% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-25.0% Q1'26: -10.4% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+10.5% Q1'26: +9.0% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+0.9% Q1'26: +0.8% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%-5.0% ★ Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×62.80× Q1'26: 68.64× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 4 EPS Ana. |
Dec 2027 3 Rev. Ana. 4 EPS Ana. |
Dec 2028 2 Rev. Ana. 3 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
100.21M
est: 137.36M (-27.0%)
|
1.00B
est: 145.39M (+589.1%)
|
1.16B
est: 164.94M (+600.6%)
|
1.30B
est: 193.98M (+569.7%)
|
1.47B
est: 250.57M (+487.2%)
|
1.74B
est: 262.54M (+561.9%)
|
1.98B
est: 336.54M (+487.6%)
|
2.39B
est: 351.84M (+580.4%)
|
574.48M
est: 450.38M (+27.6%)
|
624.86M
est: 529.86M (+17.9%)
|
659.16M
est: 567.55M (+16.1%)
|
608.60M
est: 517.50M (+17.6%)
|
614.02M
est: 503.19M (+22.0%)
|
687.14M
est: 517.55M (+32.8%)
|
819.15M
est: 566.68M (+44.6%)
|
901.99M
est: 675.72M (+33.5%)
|
733.35M
649.52M – 899.33M
+8.5% YoY
|
806.32M
717.50M – 973.68M
+10.0% YoY
|
875.88M
777.65M – 1.07B
+8.6% YoY
|
908.30M
806.44M – 1.10B
+3.7% YoY
|
| EBITDA |
45.10M
est: 37.04M (+21.8%)
|
54.54M
est: 40.96M (+33.1%)
|
64.36M
est: 60.58M (+6.2%)
|
70.73M
est: 74.09M (-4.5%)
|
93.78M
est: 89.26M (+5.1%)
|
117.75M
est: 105.09M (+12.0%)
|
145.25M
est: 128.75M (+12.8%)
|
151.05M
est: 177.32M (-14.8%)
|
176.78M
est: 143.52M (+23.2%)
|
198.39M
est: 238.68M (-16.9%)
|
155.05M
est: 182.88M (-15.2%)
|
165.66M
est: 194.04M (-14.6%)
|
146.31M
est: 226.07M (-35.3%)
|
135.65M
est: 106.41M (+27.5%)
|
153.51M
est: 111.60M (+37.6%)
|
119.70M
est: 138.93M (-13.8%)
|
150.78M
133.54M – 184.90M
+8.5% YoY
|
165.78M
147.52M – 200.19M
+10.0% YoY
|
180.08M
159.89M – 219.07M
+8.6% YoY
|
186.75M
165.80M – 227.18M
+3.7% YoY
|
| EBIT |
42.43M
est: 34.88M (+21.6%)
|
51.31M
est: 39.16M (+31.0%)
|
61.00M
est: 57.52M (+6.1%)
|
65.29M
est: 70.33M (-7.2%)
|
87.34M
est: 83.57M (+4.5%)
|
109.78M
est: 99.31M (+10.5%)
|
135.96M
est: 119.77M (+13.5%)
|
135.69M
est: 169.64M (-20.0%)
|
159.46M
est: 135.35M (+17.8%)
|
167.95M
est: 219.40M (-23.5%)
|
126.18M
est: 162.52M (-22.4%)
|
136.57M
est: 172.43M (-20.8%)
|
119.74M
est: 200.90M (-40.4%)
|
109.09M
est: 86.98M (+25.4%)
|
128.51M
est: 91.23M (+40.9%)
|
94.99M
est: 113.57M (-16.4%)
|
123.25M
109.16M – 151.15M
+8.5% YoY
|
135.52M
120.59M – 163.65M
+10.0% YoY
|
147.21M
130.70M – 179.08M
+8.6% YoY
|
152.66M
135.54M – 185.71M
+3.7% YoY
|
| Net Income |
27.84M
est: 25.24M (+10.3%)
|
39.25M
est: 29.42M (+33.4%)
|
42.46M
est: 44.58M (-4.8%)
|
47.01M
est: 49.98M (-5.9%)
|
65.04M
est: 60.71M (+7.1%)
|
80.85M
est: 73.77M (+9.6%)
|
103.23M
est: 88.56M (+16.6%)
|
105.43M
est: 128.27M (-17.8%)
|
131.49M
est: 105.20M (+25.0%)
|
140.57M
est: 182.34M (-22.9%)
|
93.67M
est: 132.46M (-29.3%)
|
99.54M
est: 140.54M (-29.2%)
|
90.38M
est: 82.22M (+9.9%)
|
92.32M
est: 85.54M (+7.9%)
|
75.94M
est: 43.60M (+74.2%)
|
69.76M
est: 57.15M (+22.1%)
|
70.13M
63.31M – 70.96M
+22.7% YoY
|
90.02M
72.85M – 96.01M
+28.4% YoY
|
111.21M
87.46M – 117.17M
+23.5% YoY
|
121.49M
103.78M – 155.69M
+9.2% YoY
|
| SGA |
24.28M
est: 42.37M (-42.7%)
|
26.37M
est: 50.49M (-47.8%)
|
30.40M
est: 58.77M (-48.3%)
|
38.54M
est: 72.57M (-46.9%)
|
45.73M
est: 98.43M (-53.5%)
|
52.69M
est: 94.31M (-44.1%)
|
58.38M
est: 108.07M (-46.0%)
|
67.74M
est: 133.95M (-49.4%)
|
75.34M
est: 127.05M (-40.7%)
|
74.50M
est: 211.89M (-64.8%)
|
77.92M
est: 157.58M (-50.6%)
|
93.61M
est: 167.19M (-44.0%)
|
92.91M
est: 194.79M (-52.3%)
|
100.63M
est: 60.88M (+65.3%)
|
111.87M
est: 63.85M (+75.2%)
|
—
est: 79.48M (-100.0%)
|
86.26M
76.40M – 105.78M
+8.5% YoY
|
94.84M
84.40M – 114.53M
+10.0% YoY
|
103.03M
91.47M – 125.33M
+8.6% YoY
|
106.84M
94.86M – 129.97M
+3.7% YoY
|
| EPS |
0.68
est: 0.67 (+1.3%)
|
0.96
est: 0.91 (+5.5%)
|
1.03
est: 1.04 (-0.5%)
|
1.08
est: 1.11 (-3.1%)
|
1.47
est: 1.47 (+0.2%)
|
1.81
est: 1.82 (-0.4%)
|
2.29
est: 2.27 (+1.0%)
|
2.31
est: 2.78 (-16.9%)
|
2.89
est: 2.77 (+4.4%)
|
2.89
est: 2.92 (-0.9%)
|
1.86
est: 1.39 (+33.5%)
|
1.94
est: 1.95 (-0.6%)
|
1.75
est: 1.60 (+9.3%)
|
1.79
est: 1.85 (-3.1%)
|
1.44
est: 1.48 (-2.7%)
|
1.29
est: 1.32 (-2.3%)
|
1.53
1.43 – 1.61
+15.6% YoY
|
1.97
1.65 – 2.17
+29.1% YoY
|
2.30
1.98 – 2.65
+16.6% YoY
|
2.75
2.35 – 3.52
+19.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-11 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-08 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-07 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-06 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-05 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-04 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-30 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-29 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Amundi SDAX UCITS ETF Dist C005.DE | 0.81% | 1.44M | 0.70% |
| 2 | Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF Dist MMS.PA | 0.18% | 1.31M | 0.40% |
| 3 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Dist X026.DE | 0.10% | 359.2K | 0.23% |
| 4 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Acc CEM.PA | 0.10% | 359.2K | 0.23% |
| 5 | UBS MSCI EMU Small Cap UCITS ETF EUR dis UEFD.DE | 0.05% | 382.9K | 0.33% |
| 6 | iShares MSCI EMU Small Cap UCITS ETF CES1.L | 0.05% | 498.1K | 0.58% |
| 7 | State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE | 0.04% | 321.2K | 0.30% |
| 8 | Amundi F.A.Z. 100 UCITS ETF Dist C006.DE | 0.02% | 28.3K | 0.15% |
| 9 | iShares MSCI Europe Small-Cap ETF IEUS | 0.02% | 35.2K | 0.41% |
| 10 | Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L | 0.02% | 664.6K | 0.30% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Sebastian Hirsch | Chairman of the Management Board & Chief Executive Officer | 786.9K | — |
| Gilles Christ | Chief Sales & Marketing Officer and Member of the Management Board | 558.2K | male |
| Martin Paal | Chief Financial Officer & Member of Management Board | 222.1K | — |
| Anke Linnartz | Director of Investor Relations | — | female |
| Michael Parsiegla-Amato | Managing Director | — | male |
| Martin Olberg | Managing Director of Market | — | male |
| Franziska Randt | Head of Strategic Division - Investor Relations Department | — | female |
| Isabel Tufet Bayona | Chief Operating Officer & Member of Management Board | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for GLJ.DE
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
