Grenke stock
GLJ.DEXETRAGrenke AG, Financial ServicesISIN DE000A161N30WKN A161N3
48Score 48 out of 100, Weak
Price and trend
54 / 100
Price history
−23% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 6.1% below it.
Since November 2025 the 50-day line has been below the 200-day line; the trend has turned down.
Overheated: the price has risen very quickly lately (RSI 77).
The price is 28% below its 52-week high. Largest decline in 20 years: 91% (June 2018 to October 2026).
Chart figures for advanced users
- SMA 50$11.77
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$13.50
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)77
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$10.78
- The lowest closing price of the last twelve months.
- Resistance$17.71
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Grenke AG belongs to the Financial (Credit Services) industry (Germany) and, with a market value of $560.03M, is number 54 of 59 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $999.49M (up 10.1% year on year) and earnings of $77.3M (down 8.1%).
- MEQIRI Score 48 out of 100 (Weak): rank 876 of 975 in Financial Services, median 68.
Show more
- The P/E is 7 (Financial (Credit Services) median 11.8, own median of recent years 18.3).
- Our model puts fair value at $13.44, with the price 6% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Modestly valuedP/E 7, Financial (Credit Services) median 11.8, own median 18.3.Valuation 70
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.
- Analysts expect strong earnings growthUp 16.9% a year through 2028 (estimates from 5 analysts).
Weaknesses
- High debtDebt 6.2 times equity (latest quarter), Financial (Credit Services) median 1.48.Stability 63
- Margin fallingOperating margin 8%, average of the prior years 16.4% (to 2024).Profitability 44
- Negative free cash flowFree cash flow −$141.28M over the last 12 months.Fundamentals 47
Its standout strength is valuation, while profitability and growth hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 46 to 48.
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- weak fundamentals
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $9.60 and expensive above $22.40 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $5.35 (cash-flow model) and $21.53 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 10.6%. At 11.6% the fair value would be $13.16, at 9.6% it would be $13.80.
Valuation metrics
Half from the dividend model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue rose 9.3% on the twelve months before. Revenue has grown solidly since 2018, at about 7% per year. From 2018 revenue is reported differently (for example gross instead of net), so earlier years are not comparable and not shown.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 65%, operating 8%, net 8%. From 2018 revenue is reported differently (for example gross instead of net), so earlier years are not comparable and not shown.
Debt & balance sheet
latest quarterMeaningfully leveraged, but the interest bill is comfortably covered.
Earnings
- Next earnings
- 11 Mar 2027in 118 days
- Last reported
- 13 Aug 2026EPS reported $0.40 (expected $0.43)below expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $1.520.0%
- Revenue
- $815.03M0.0%
- Earnings per share
- $1.790.0%
- Revenue
- $865.62M0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook mixed
Share price after the results: −3.2%Earnings guidance of EUR 74 million to EUR 86 million confirmed, but new business only at the lower end of EUR 3.4 billion to EUR 3.6 billion and an elevated loss rate, offset by a better cost/income ratio than planned.
“For new business, given the continued weakness in investment activity, we currently expect to come in at the lower end of our guidance of EUR 3.4 billion to EUR 3.6 billion range.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 12 Aug 2026 (fiscal Q2 2026), read by AI.
What happened at Grenke
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 48
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Green DotGDOT $657.61M42
- World AcceptanceWRLD $604.61M56
- Oportun FinancialOPRT $599.58M54
- NavientNAVI $575.83M36
- OppFiOPFI $500.75M73
- LendingTreeTREE $495.74M59
- PRA GroupPRAA $447.43M58
- AxactorACR.OL $361.74M31
ETFs that hold Grenke
Held by 14 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Amundi SDAX UCITS ETF DistC005 | 0.75% | 0.70% | €158.8M |
| Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF DISTLGWU | 0.17% | 0.40% | €580.62M |
| Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF DistX026 | 0.09% | 0.23% | €321.86M |
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| UBS MSCI EMU Small Cap UCITS ETF EUR disUEFD | 0.05% | 0.28% | €630.46M |
| State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR AccZPRX | 0.04% | 0.30% | €813.64M |
| Amundi F.A.Z. 100 UCITS ETFC006 | 0.02% | 0.15% | €104.39M |
| Xtrackers MSCI Europe Small Cap UCITS ETF 1CXXSC | 0.02% | 0.30% | €3.45B |
| Vanguard Germany All Cap UCITS ETF (EUR) DistributingVGER | 0.01% | 0.07% | €255.26M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = €0.9024)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 2 Jan 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.