Grenke AG

GLJ · XETRA · Financial Services / Credit Services

11.86EUR+0.42 (+3.67%)

Price History

Full chart

Market Stats

Previous Close11.44

Open11.24

Day Range11.06 – 11.92

52-Week Range10.42 – 16.54

Volume201.95K

Market Cap462.10M

P/E (TTM)7.75

Forward P/E12.72

EPS1.35

Dividend Yield4.02%

Beta1.37

50-Day Avg11.43

200-Day Avg12.89

About

Grenke AG, together with its subsidiaries, provides financial services to small and medium-sized (SME) enterprises in Germany, France, Italy, and internationally. It is involved in the financing for commercial lessees; leasing, services, protection, and maintenance offers, as well as small-ticket leasing of IT products, such as PCs, notebooks, servers, monitors, and other peripheral devices. The company also offers leasing portfolio that includes office communication products comprising telecommunications and copying equipment, as well as medical technology products, small machines and equipment, security devices, and green economy objects, including wall boxes, photovoltaic systems, and eBikes. In addition, it provides fixed-term deposits for private and commercial customers through its website and online platforms; microloans and start-up financing, as well as development loans to SMEs and self-employed professionals; and small-ticket factoring services. 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.

Company Details

SectorFinancial Services
IndustryCredit Services
CEODr. Sebastian Hirsch B.A.
Employees2.50K
HeadquartersNeuer Markt 2, Baden-Baden, Germany, 76532, Germany
Websitehttps://www.grenke.com

Leadership

Dr. Sebastian Hirsch B.A.Chairman of the Management Board & CEO · b. 1981
Dr. Martin PaalCFO & Member of Management Board · b. 1979
Mr. Gilles Christ M.B.A.Chief Sales Officer and Member of the Management Board · b. 1970
Ms. Isabel Tufet BayonaCOO & Member of Management Board · b. 1978

Financials

Income Statement

Currency: EUR	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	99.67M	-	-	85.46M	96.00M	87.03M	100.21M	1.00B	1.16B	1.30B	1.47B	1.74B	1.98B	2.39B	574.48M	624.86M	659.16M	608.60M	614.02M	687.14M	819.15M	901.99M
Growth (%)	-	-	-	-	+12.33%	-9.35%	+15.15%	+899.81%	+15.33%	+12.42%	+13.27%	+18.10%	+13.80%	+21.06%	-76.00%	+8.77%	+5.49%	-7.67%	+0.89%	+11.91%	+19.21%	+10.11%
Cost of Revenue	19.67M	-	-	-	-	-	-	865.79M	995.07M	1.11B	1.25B	1.47B	1.68B	2.09B	149.42M	181.80M	190.43M	193.77M	229.60M	314.71M	422.30M	312.89M
Gross Profit	80.00M	-	-	85.46M	96.00M	87.03M	100.21M	136.12M	160.47M	185.54M	221.11M	265.05M	302.50M	302.17M	425.06M	443.06M	468.74M	414.83M	384.42M	372.43M	396.86M	589.10M
Gross Margin	80.27%	-	-	100.00%	100.00%	100.00%	100.00%	13.59%	13.89%	14.28%	15.03%	15.25%	15.30%	12.62%	73.99%	70.91%	71.11%	68.16%	62.61%	54.20%	48.45%	65.31%
Operating Expense	44.51M	-	-	40.24M	10.00M	53.03M	63.19M	85.40M	100.67M	120.84M	134.15M	155.71M	165.97M	166.52M	266.85M	276.39M	343.62M	282.32M	286.45M	259.51M	306.84M	516.89M
Operating Income	35.49M	2.87M	3.18M	45.22M	86.00M	34.00M	37.02M	50.72M	59.80M	64.70M	86.95M	109.34M	136.53M	135.65M	158.22M	166.67M	125.12M	132.51M	97.98M	112.91M	90.02M	72.21M
Operating Margin	35.61%	-	-	52.92%	89.58%	39.07%	36.95%	5.06%	5.18%	4.98%	5.91%	6.29%	6.90%	5.67%	27.54%	26.67%	18.98%	21.77%	15.96%	16.43%	10.99%	8.01%
EBITDA	37.30M	4.43M	5.00M	50.52M	50.98M	39.98M	45.10M	54.53M	64.36M	70.73M	93.78M	117.75M	145.25M	151.05M	176.78M	198.39M	155.05M	165.66M	146.31M	135.65M	153.51M	119.70M
EBITDA Margin	37.42%	-	-	59.11%	53.11%	45.94%	45.01%	5.44%	5.57%	5.44%	6.37%	6.78%	7.35%	6.31%	30.77%	31.75%	23.52%	27.22%	23.83%	19.74%	18.74%	13.27%
Net Income	23.63M	2.87M	3.18M	32.13M	33.14M	24.61M	27.84M	39.25M	42.46M	47.01M	65.04M	80.84M	103.23M	105.43M	131.49M	140.57M	93.67M	99.54M	90.38M	92.32M	75.94M	69.76M
Net Income Margin	23.71%	-	-	37.59%	34.52%	28.28%	27.78%	3.92%	3.67%	3.62%	4.42%	4.65%	5.22%	4.40%	22.89%	22.50%	14.21%	16.36%	14.72%	13.43%	9.27%	7.73%
R&D	-	-	-	-	-	-	-	-	-	-	-	-	0.32	0.3	0.31	3.26M	4.35M	6.28M	4.67M	4.39M	3.99M	-
R&D as % of Total Revenue	-	-	-	-	-	-	-	-	-	-	-	-	0.00%	0.00%	0.00%	0.52%	0.66%	1.03%	0.76%	0.64%	0.49%	-
Interest Expense	-	0	0	0	0	0	0	878.00K	1.30M	1.03M	427.00K	317.00K	1.42M	3.66M	2.87M	5.17M	11.01M	13.07M	8.71M	23.89M	10.23M	1.56M
Interest Expense % of Total Revenue	-	-	-	0.00%	0.00%	0.00%	0.00%	0.09%	0.11%	0.08%	0.03%	0.02%	0.07%	0.15%	0.50%	0.83%	1.67%	2.15%	1.42%	3.48%	1.25%	0.17%

Balance Sheet

Currency: EUR	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	-	1.07B	1.18B	1.26B	1.46B	1.50B	1.67B	1.97B	2.35B	2.62B	2.92B	3.47B	3.97B	4.84B	5.88B	7.15B	7.33B	6.66B	6.41B	7.10B	8.22B	9.09B
Total Liabilities	-	898.62M	978.29M	1.04B	1.21B	1.24B	1.38B	1.65B	2.00B	2.18B	2.43B	2.88B	3.28B	3.99B	4.79B	5.90B	6.14B	5.39B	5.08B	5.74B	6.90B	7.87B
Total Equity	-	176.14M	201.68M	226.17M	246.41M	262.88M	287.77M	317.66M	350.97M	439.42M	492.99M	590.65M	690.42M	856.57M	1.09B	1.25B	1.22B	1.30B	1.36B	1.37B	1.34B	1.15B
Cash	-	-	-	-	-	-	-	104.23M	116.71M	109.77M	88.39M	186.45M	156.90M	203.37M	333.63M	434.38M	944.73M	853.07M	448.84M	697.20M	974.55M	674.09M
Total Debt	-	-	-	-	-	-	-	1.37B	1.63B	1.78B	2.01B	2.34B	2.88B	3.51B	4.23B	5.22B	5.01B	4.22B	3.98B	3.84B	4.32B	7.52B
Net Debt	-	-	-	-	-	-	-	1.27B	1.52B	1.67B	1.92B	2.16B	2.54B	3.06B	3.57B	4.35B	3.35B	2.83B	3.21B	3.14B	3.35B	6.84B

Cash Flow

Currency: EUR	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	84.90M	75.24M	15.60M	42.74M	16.00M	-13.60M	41.58M	62.60M	-25.83M	-9.26M	119.83M	-16.24M	27.95M	20.41M	109.30M	567.19M	-72.04M	-346.84M	329.25M	393.96M	-238.26M
Investing Cash Flow	-1.72M	-4.57M	-4.05M	-9.73M	31.13M	-4.04M	-5.80M	-39.33M	-22.31M	-11.26M	-24.24M	-14.95M	-25.70M	-50.60M	-21.41M	-16.52M	20.64M	-8.25M	-33.34M	-12.08M	-29.12M
Financing Cash Flow	-5.21M	-1.42M	-8.20M	-8.60M	-11.58M	-12.28M	-10.25M	-10.75M	41.23M	-11.19M	13.07M	1.94M	43.57M	157.54M	16.16M	-53.28M	-39.01M	-49.92M	-47.30M	-105.51M	-32.77M
Capital Expenditure	0	0	4.14M	2.50M	1.07M	4.09M	3.59M	8.12M	6.69M	5.71M	11.33M	11.83M	17.17M	15.56M	22.29M	17.28M	7.13M	8.21M	7.03M	8.58M	18.80M
Free Cash Flow	84.90M	75.24M	11.46M	40.25M	14.93M	-17.70M	38.00M	54.48M	-32.52M	-14.96M	108.50M	-28.07M	10.78M	4.84M	87.01M	549.91M	-79.17M	-355.05M	322.22M	385.39M	-257.06M
Dividends Paid	-	-	7.52M	8.21M	8.21M	8.21M	9.58M	10.26M	11.76M	10.64M	16.23M	19.56M	25.85M	31.02M	37.08M	28.24M	12.09M	23.71M	20.92M	21.63M	17.67M
FCF to OCF	100.00%	100.00%	73.47%	94.16%	93.31%	130.10%	91.38%	87.03%	125.90%	161.66%	90.54%	172.85%	38.58%	23.73%	79.61%	96.95%	109.89%	102.37%	97.86%	97.82%	107.89%
Dividend Paid to FCF	-	-	65.65%	20.40%	54.98%	-46.39%	25.21%	18.84%	-36.16%	-71.13%	14.96%	-69.66%	239.70%	640.49%	42.62%	5.13%	-15.27%	-6.68%	6.49%	5.61%	-6.87%

Earnings

Report Date	Mar 31, 2001	Jun 30, 2001	Sep 30, 2001	Dec 31, 2001	Mar 31, 2002	Jun 30, 2002	Sep 30, 2002	Dec 31, 2002	Mar 31, 2003	Jun 30, 2003	Nov 12, 2003	Mar 2, 2004	May 13, 2004	Aug 12, 2004	Nov 11, 2004	Mar 1, 2005	May 12, 2005	Aug 11, 2005	Oct 28, 2005	Jan 27, 2006	May 11, 2006	Jul 27, 2006	Oct 26, 2006	Mar 6, 2007	Apr 26, 2007	Jul 26, 2007	Oct 25, 2007	Feb 1, 2008	Apr 28, 2008	Jul 28, 2008	Oct 27, 2008	Feb 5, 2009	Apr 30, 2009	Jul 28, 2009	Oct 28, 2009	Feb 9, 2010	Apr 29, 2010	Jul 29, 2010	Oct 28, 2010	Feb 10, 2011	May 4, 2011	Aug 1, 2011	Nov 3, 2011	Jan 31, 2012	Apr 26, 2012	Jul 27, 2012	Oct 24, 2012	Jan 30, 2013	Apr 25, 2013	Jul 25, 2013	Oct 24, 2013	Feb 7, 2014	Apr 29, 2014	Jul 24, 2014	Oct 28, 2014	Mar 11, 2015	Apr 29, 2015	Jul 28, 2015	Oct 27, 2015	Feb 10, 2016	Apr 27, 2016	Jul 28, 2016	Oct 28, 2016	Feb 9, 2017	Apr 29, 2017	Jul 28, 2017	Oct 27, 2017	Feb 8, 2018	Apr 30, 2018	Jul 27, 2018	Oct 30, 2018	Feb 7, 2019	May 3, 2019	Jul 30, 2019	Oct 31, 2019	Feb 11, 2020	May 5, 2020	Jul 30, 2020	Oct 29, 2020	Feb 11, 2021	May 31, 2021	Aug 4, 2021	Nov 10, 2021	Mar 17, 2022	May 12, 2022	Aug 11, 2022	Nov 10, 2022	Mar 2, 2023	May 11, 2023	Aug 10, 2023	Nov 9, 2023	Mar 7, 2024	May 15, 2024	Aug 8, 2024	Nov 14, 2024	Mar 13, 2025	May 14, 2025	Aug 14, 2025	Nov 13, 2025	Mar 12, 2026	May 13, 2026	Aug 12, 2026	Nov 12, 2026
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.16	0.16	0.18	0.19	0.21	0.22	0.22	0.24	0.25	0.26	0.25	0.26	0.26	0.27	0.27	0.31	0.30	0.31	0.35	0.38	-	0.44	0.48	0.47	0.52	0.54	0.58	0.58	0.63	2.06	0.72	0.74	0.65	0.66	0.67	0.73	0.72	0.82	0.71	0.85	-	0.28	-	-	0.15	-	-	-	0.26	-	-	-	0.27	0.43	0.41	0.52	0.22	0.57	0.28	0.36	0.00	-	-	-	-	0.39	-
EPS Actual	0.07	0.07	0.07	0.08	0.08	0.08	0.10	0.11	0.10	0.11	0.13	0.15	0.12	0.17	0.19	0.10	0.17	0.17	0.19	0.18	0.18	0.19	0.19	0.18	0.19	0.19	0.23	0.18	0.19	0.21	0.21	0.20	0.18	0.14	0.16	0.12	0.14	0.16	0.17	0.21	0.20	0.24	0.24	0.27	0.23	0.25	0.26	0.30	0.27	0.25	0.29	0.27	0.33	0.38	0.39	0.38	0.42	0.45	0.47	0.47	0.50	0.60	0.58	0.61	0.64	0.66	0.71	0.73	0.65	0.71	0.71	0.72	0.58	0.75	0.75	0.84	0.46	0.31	0.38	0.82	0.26	0.40	0.51	0.91	0.26	0.47	0.50	0.53	0.19	0.55	0.53	0.52	0.45	0.58	0.30	0.34	-0.02	0.36	0.47	0.48	0.32	0.37	-
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-12.50%	0.00%	-5.56%	10.53%	-4.76%	9.09%	9.09%	12.50%	-8.00%	-3.85%	4.00%	15.38%	3.85%	-7.41%	7.41%	-12.90%	10.00%	22.58%	11.43%	0.00%	-	2.27%	-2.08%	0.00%	-3.85%	11.11%	0.00%	5.17%	1.59%	-67.96%	-1.39%	-1.35%	0.00%	7.58%	5.97%	-1.37%	-19.44%	-8.54%	5.63%	-1.18%	-	10.71%	-	-	73.33%	-	-	-	0.00%	-	-	-	-29.63%	27.91%	29.27%	-0.23%	104.86%	1.75%	7.14%	-5.56%	-	-	-	-	-	-5.13%	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	-	After-hours	Pre-market	Pre-market	-	After-hours	After-hours	After-hours	After-hours	After-hours	-	-	After-hours	Pre-market	After-hours	Pre-market	After-hours	Pre-market	After-hours	After-hours	Pre-market	Pre-market	After-hours	Pre-market	-	After-hours	-	-	Pre-market	-	-	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	-	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market

Key Statistics & Ratios

Market Cap462.10M

Enterprise Value4.90B

Trailing P/E7.75

Forward P/E12.72

PEG Ratio0.75

Price / Sales0.67

Price / Book0.36

EPS1.35

Book Value30.49

Revenue (TTM)694.74M

Gross Profit (TTM)577.46M

Profit Margin10.48%

Operating Margin13.20%

Return on Equity5.52%

Return on Assets0.87%

Shares Outstanding44.18M

Shares Float25.19M

Beta1.37

Dividend Yield4.02%

Dividend Rate0.42

Payout Ratio25.63%

Dividends

20261×

0.42Apr 27, 2026

20251×

0.40May 8, 2025

20241×

0.47May 2, 2024

20231×

0.45May 17, 2023

20221×

0.51May 26, 2022

20211×

0.26Jul 30, 2021

20202×

0.80Aug 7, 20200.88May 20, 2020

20191×

0.80May 15, 2019

20181×

0.70May 4, 2018

20171×

0.58May 12, 2017

20161×

0.50May 4, 2016

20151×

0.37May 13, 2015

20141×

0.33Apr 11, 2014

20131×

0.27May 8, 2013

20121×

0.25May 11, 2012

20111×

0.23May 11, 2011

20101×

0.20May 12, 2010

20091×

0.20May 13, 2009

20081×

0.20May 7, 2008

20071×

0.18May 9, 2007

20061×

0.17May 10, 2006

20051×

0.13May 4, 2005

20041×

0.11May 5, 2004

Stock Splits

Jul 10, 20173:1