Grenke AG is a financial services company that, under a franchise model, provides operational infrastructure, and other support services. The firm retains the right to acquire the franchisee based on a predetermined formula and time frame. Grenke's reporting segments include; The Leasing segment which generates key revenue, and consists of financing to commercial lessees, rental, service, protection and maintenance offerings, and the disposal of used equipment. The Banking segment acts as a financing partner, particularly to small- and medium-sized companies, and the Factoring segment offers traditional factoring services with a focus on small-ticket factoring. Geographically, the majority of the company's revenue is generated from France and rest from Italy, Germany and other regions.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.22
Equity-to-Asset	0.19
Debt-to-Equity	2.75
Debt-to-EBITDA	22.59
Interest Coverage	6.21
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.53	Distress Grey Safe
Beneish M-Score	-2.2	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	1.3
	3-Year EBITDA Growth Rate	1.2
	3-Year EPS without NRI Growth Rate	-33.7
	3-Year FCF Growth Rate	-16.4
	3-Year Book Growth Rate	4
	Future 3-5Y EPS without NRI Growth Rate	29.28

Momentum Rank

4/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	86.39
	9-Day RSI	83.68
	14-Day RSI	79.86
	6-1 Month Momentum %	-16.91
	12-1 Month Momentum %	-24.25

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.19
	Quick Ratio	1.19
	Cash Ratio	0.31
	Days Inventory	0.44
	Days Sales Outstanding	3.85
	Days Payable	61.96

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.75
	Dividend Payout Ratio	0.26
	3-Year Dividend Growth Rate	-17.5
	Forward Dividend Yield %	1.75
	5-Year Yield-on-Cost %	0.9
	Shareholder Yield %	-2.86

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	52.09
	Operating Margin %	22.02
	Net Margin %	13.34
	FCF Margin %	-6.87
	ROE %	7.02
	ROA %	1.36
	ROIC %	2.02
	ROC (Joel Greenblatt) %	9.82
	ROCE %	2.98
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	14.73
	Forward PE Ratio	10.38
	PE Ratio without NRI	15.46
	Shiller PE Ratio	11.04
	PS Ratio	1.75
	PB Ratio	0.91
	Price-to-Tangible-Book	0.94
	EV-to-EBIT	29.7
	EV-to-EBITDA	25.05
	EV-to-Revenue	5.84
	EV-to-Forward-Revenue	7.1
	EV-to-FCF	-84.9
	Price-to-Projected-FCF	0.64
	Price-to-Median-PS-Value	0.98
	Price-to-Graham-Number	0.8
	Earnings Yield (Greenblatt) %	3.37
	FCF Yield %	-3.96
	Forward Rate of Return (Yacktman) %	4.76

GF Value: €26.96

XTER:GLJ

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