Grenke

Valuation Analysis

About the Company

Grenke en bref

Grenke (GLJ.DE) is currently trading at 11,76 € with a market capitalization of 450 M €. The trailing P/E ratio stands at 9.05x, with a forward P/E of 6.43x. The 52-week range spans from 11,48 € to 19,82 €; the current price is 40.7% below the yearly high. Year-over-year revenue growth stands at +10.2%. The net profit margin stands at 10.72%.

💰 Dividende

Grenke pays an annual dividend of 0,42 € per share, representing a yield of 3.57%. The payout ratio stands at 30.77%.

📊 Avis des analystes

5 analystes évaluent Grenke (GLJ.DE) au consensus : Acheter. L'objectif de cours moyen est de 19,20 €, soit un potentiel de +63.27% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 11,00 € à 28,00 €.

Grenke : la thèse d'investissement en détail

Grenke (GLJ.DE) operates in the Financial Services — specifically Credit Services — and is headquartered in Germany. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Revenue is growing at a healthy 10.2% pace year-over-year, suggesting the business model continues to find new customers and pricing power. With a gross margin near 82.52%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Wall Street consensus sits at Buy with an average price target implying roughly 63.27% upside from current levels — analyst sentiment is firmly constructive.

Le scénario baissier

The debt-to-equity ratio of 361.33% is elevated, meaning the company relies heavily on creditors — refinancing terms will become more important than operational performance in the next economic downturn.

Valorisation en contexte

With a PEG ratio of 0.77, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

À surveiller

• The forward P/E of 6.43x is meaningfully below the trailing 9.05x — analysts expect earnings to step up; the next earnings release is the test.
• The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
• The dividend yield near 3.57% combined with a payout ratio of 30.77% leaves room for further hikes — a track record of consecutive raises is a strong income signal.
• The analyst consensus price target implies 63.27% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Profil de risque

The data points to market-like volatility, higher leverage relative to equity.

Trading Data

💵 Dividend Info

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