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Employees: 2,439
Size Grenke (GLJ.DE) is a Germany Financials company (Finance/Rental/Leasing) with a market value of $535M, the 173rd largest of 205 Germany companies the cockpit tracks. Shares closed at €10.26 on 6 Nov 2026.
Performance Over six months the shares fell 21.0%, against -0.7% for the median peer and +2.6% for the Germany market (cap-weighted) — 7th lowest of 20 in its peer set.
Growth Revenue grew 13.7% over the last twelve months (peer median +9.6%); the operating margin is 7.6% (peer median 25.4%).
Valuation It trades at 0.40× book value against a peer median of 1.20× (cheapest of 20).
Price implies The share price implies a return on equity of about 5.8%; Grenke delivers 6.2%, so the price asks less than the business earns today.
Credit Grenke has 8 bonds outstanding ($4.04B), rated BBB by the agencies and trading like BB at a weighted spread of 175 bp.
Next results Next results expected around 12 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €963M | €902M | €787M | €654M | €583M |
| Revenue growth | — | +15% | +20% | +12% | — |
| Gross profit | €654M | €614M | €544M | €499M | €487M |
| EBITDA | €99.2M | €96.4M | €106M | €138M | €168M |
| Net income | €72.2M | €57.1M | €65.4M | €83.2M | €81.3M |
| Free cash flow | -€133M | -€257M | €370M | -€315M | -€85.4M |
| Capital expenditure | €16.4M | €18.8M | €8.58M | €7.03M | €8.21M |
| Total debt | €7.54B | €7.52B | €6.75B | €5.65B | €5.03B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | GLJ.DE | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +5.5% | -1.1% | 6th highest of 21 |
| 6-month return | -21.0% | -0.7% | 7th lowest of 20 |
| Return on equity | 6.2% | 11.0% | 5th lowest of 20 |
| Price / book | 0.40× | 1.20× | cheapest of 20 |
| Trailing P/E | 6.3× | 9.7× | 4th cheapest of 19 |
| ROE the price implies | 5.8% | 13.0% | 4th least demanding of 20 |
| ROE delivered | 6.2% | 10.6% | 5th lowest of 19 |
| Bond spread | 175 bp | n/a | — |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Grenke GLJ.DE | Germany | $535M | -21% | +14% | 6% | 0.40× | 5.8% | 6.2% |
| OppFi OPFI | United States | $526M | -34% | +6% | 38% | 9.07× | 108.9% | 38.4% |
| goeasy GSY.TO | Canada | $522M | +39% | +5% | -34% | 0.92× | 9.6% | -34.0% |
| NEC Capital Solutions 8793.T | Japan | $550M | -1% | +27% | 8% | 0.63× | 4.8% | 8.5% |
| Oportun Financial OPRT | United States | $520M | +97% | 0% | 9% | 1.20× | 13.0% | 9.1% |
| LendingTree TREE | United States | $520M | -5% | +23% | 51% | 2.05× | 27.3% | 51.4% |
| Pepper Money PPM.AX | Australia | $553M | +6% | -1% | 13% | 0.90× | 13.1% | 13.0% |
| MAS Financial Services MASFIN.NS | India | $512M | -24% | +23% | 14% | 1.50× | 18.8% | 13.8% |
| J Trust 8508.T | Japan | $563M | +7% | +4% | 9% | 0.59× | 5.4% | 9.1% |
| Chrysos C79.AX | Australia | $501M | 0% | -9% | 1% | 3.65× | 38.0% | 0.9% |
| Hertz Global HTZ | United States | $585M | -64% | +3% | n/a | n/a | n/a | n/a |
| Northern Arc Capital NORTHARC.NS | India | $487M | 0% | +28% | 12% | 1.09× | 20.4% | 12.1% |
| Aspial Lifestyle 5UF.SI | Singapore | $470M | -32% | +32% | 31% | 1.40× | 6.8% | 30.6% |
| AEON Credit Service (Asia) 0900.HK | Hong Kong | $463M | +2% | +4% | 11% | 0.79× | 4.8% | 11.0% |
| Fedbank Financial Services FEDFINA.NS | India | $621M | +3% | +20% | 15% | 1.85× | 15.9% | 14.8% |
| Latitude LFS.AX | Australia | $623M | -6% | +4% | 9% | 0.70× | 7.6% | 8.7% |
| Emeco EHL.AX | Australia | $458M | +23% | +1% | 10% | 0.84× | 8.2% | 10.2% |
| Anhui Xinli Finance 600318.SS | China | $452M | -22% | +16% | 3% | 2.82× | 36.0% | 2.7% |
| Lianlian DigiTech 2598.HK | Hong Kong | $452M | -49% | +118% | 6% | 0.98× | 6.4% | 5.7% |
| MCAN Mortgage MKP.TO | Canada | $635M | -13% | +14% | 13% | 1.33× | 8.4% | 12.8% |
| Rentomojo RENTOMOJO.NS | India | $638M | n/a | +45% | 44% | 18.75× | 176.8% | n/a |
Grenke has 8 bonds outstanding with $4.04B face value. The agencies rate it BBB; its bonds trade like BB. Weighted yield 4.77%, a spread of 175 bp over government bonds.