Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

ETR/GLJ stock hub

ETR/GLJ has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

539.9M

Deutsche Börse Xetra

Market data

Live price

Current market quote for this ticker.

Current price

ETR/GLJ

In the news

Latest news · ETR/GLJ

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E7.7

P25 8.5P50 10.9P75 13.9

Trailing P/E9.4

P25 8.9P50 11.4P75 16.5

ROE5.2

P25 3.4P50 10.4P75 16.4

ROIC1.2

P25 -2P50 6.2P75 15.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All ETR/GLJ market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

208

Groups with data

Currency

EUR

Showing 208 of 208 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Germany
Country code	DE
Employees	2,400
Employees Change	204%
Employees Change Percent	9.29
Exchange	Deutsche Börse Xetra
Financial currency	EUR
First seen	2026-05-10
Industry	Credit Services
Isin	DE000A161N30
Last refreshed	2026-05-10
Market cap	EUR 539.9M
Price	EUR 12.22
Price currency	EUR
Rev Per Employee	275,107.5x
Sector	Financials
Sic	6172
Symbol	etr/GLJ
Website	https://www.grenke.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	10.59%
FCF yield	-44.36%
Forward P/E	7.7x
P/B ratio	0.38x
P/E ratio	9.45x
P/S ratio	0.82x
PE Ratio10 Y	21.59x
PE Ratio3 Y	13.15x
PE Ratio5 Y	14.04x
PEG ratio	0.46x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross margin	81.96%
Gross Profit	EUR 541.2M
Net Income	EUR 57.1M
Net Income Growth	-8.14%
Net Income Growth Q	42.21%
Net Income Growth Quarters	2%
Net Income Growth Years	0%
Net Income Growth3 Y	-11.09%
Net Income Growth5 Y	-7.89%
Pretax Margin	14.15%
Profit Margin	10.57%
Profit Per Employee	EUR 23,811
Profitable Years	22
ROA	0.83
Roa5y	1.14
ROE	5.24
Roe5y	6.23
ROIC	1.21
Roic5y	1.5

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	-12.99%
Cagr15y	0.89%
Cagr1y	-6.1%
Cagr20y	-0.94%
Cagr3y	-24.42%
Cagr5y	-14.99%
Div CAGR10	11.61%
Div CAGR3	-2.27%
Div CAGR5	10.07%
EPS Growth	-10.14
EPS Growth Q	42.29
EPS Growth Quarters	2
EPS Growth Years	0
EPS Growth3 Y	-9.56
EPS Growth5 Y	-6.98
Revenue Growth	14.18x
Revenue Growth Q	13.23x
Revenue Growth Quarters	14x
Revenue Growth Years	4x
Revenue Growth3 Y	9.55x
Revenue Growth5 Y	3.75x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.08
Assets	EUR 9.1B
Cash	EUR 679M
Debt	EUR 5.9B
Debt Equity	EUR 4.17
Debt FCF	EUR -24.72
Equity	EUR 1.4B
Liabilities	EUR 7.7B
Net Cash	EUR -5.2B
Net Cash By Market Cap	EUR -971
Net Debt Equity	EUR 3.7
Tangible Book Value	EUR 1.2B
Tangible Book Value Per Share	EUR 27.4
WACC	0.99

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	2.89
Quick ratio	2.85
Working Capital	EUR 5.6B
Working Capital Turnover	EUR 0.13

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	2.83%
Dividend Growth	5%
Dividend Growth Years	0%
Dividend per share	EUR 0.42
Dividend Years	24
Dividend Yield	3.44%
Ex Div Date	2026-04-27
Last Dividend	EUR 0.42
Payout Frequency	Annual
Payout Ratio	50.53%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	-75.11%
1Y total return	-6.1%
200-day SMA	15.15
3Y total return	-56.83%
50-day SMA	13.17
50-day SMA vs 200-day SMA	50under200
5Y total return	-55.6%
All Time High	107.3
All Time High Change	-88.61%
All Time High Date	2018-09-21
All Time Low	2.72
All Time Low Change	349.76%
All Time Low Date	2002-10-09
ATR	0.39
Beta	1.39
Beta1y	1.18
Beta2y	1.23
Ch YTD	-21.87
High	12.72
High52	19.82
High52 Date	2025-08-14
High52ch	-38.35%
Low	12.22
Low52	12
Low52 Date	2026-03-23
Low52ch	1.83%
Ma50ch	-7.19%
Price vs 200-day SMA	-19.36%
RSI	37.41
RSI Monthly	36.55
RSI Weekly	35.4
Sharpe ratio	-0.31x
Sortino ratio	-0.26
Total Return	6.26%
Tr YTD	-19.31
Tr15y	14.19%
Tr1m	0%
Tr1w	-1.77%
Tr3m	-13.2%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 106.9M
Operating Income Growth	-0.02
Operating Income Growth Q	51.74
Operating Income Growth3 Y	-0.62
Operating Income Growth5 Y	-2.22
Operating margin	16.2

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	23,676,083%
Net Borrowing	-212,702,000
Shares Insiders	43.22%
Shares Institutions	26.54%
Shares Out	44,177,878
Shares Qo Q	0%
Shares Yo Y	-2.83%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -239.5M
Average Volume	112,341x
Bv Per Share	30.6
CAPEX	EUR -18.8M
Ch10y	-78.85
Ch15y	-9.66
Ch1m	-3.17
Ch1w	-1.77
Ch1y	-11.71
Ch20y	-40.16
Ch3m	-15.96
Ch3y	-60.9
Ch5y	-60.83
Ch6m	-14.78
Change	-3.78%
Change From Open	-3.93
Close	12.7
Days Gap	0.16
Depreciation Amortization	18,959,000
Dollar Volume	1,348,806.9
Earnings Date	2026-05-13
EPS	EUR 1.29
F Score	4
FCF	EUR -239.5M
FCF Per Share	EUR -5.42
Financing CF	-50,343,000
Fiscal Year End	December
Founded	1,978
Goodwill	115,240,000
Graham Number	29.84334
Graham Upside	144.2
Income Tax	EUR 21.7M
Investing CF	-29,118,000
Is Primary Listing	1
Last Earnings Date	2026-03-12
Last Report Date	2025-12-31
Last Split Date	2017-07-10
Last Split Type	Forward
Lynch Fair Value	EUR 6.47
Lynch Upside	-47.07
Ma150	14.48
Ma150ch	-15.59%
Ma20	12.95
Ma20ch	-5.62%
Net CF	-299,362,000
Next Earnings Date	2026-05-13
Open	12.72
Payment Date	2026-04-29
Position In Range	0
Ppne	268,999,000
Price Date	2026-05-08
Ptbv Ratio	0.45
Relative Volume	1x
Revenue	660,258,000x
Tax By Revenue	3.28x
Tax Rate	23.18%
Tr20y	-17.16%
Tr6m	-11.99%
Volume	110,377

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

ETR/GLJ dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.4%

$0.42 annual per share

Payout ratio

+50.5%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+10.1%

0 consecutive years of growth

Total shareholder yield

+6.3%

Next ex-dividend date: 2026-04-27

Performance

ETR/GLJ stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns ETR/GLJ?

Insider, institutional, and short-interest positioning.

Institutional ownership

+26.5%

Share of float held by funds and institutions

Insider ownership

+43.2%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-2.8%

Negative means the company is buying back shares.

Technical

ETR/GLJ momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

37.4

Neutral momentum band

Price vs 200-day MA

-19.4%

50/200-day relationship not available

Beta (5Y)

1.39

More volatile than the market

Sharpe ratio

-0.31

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About ETR/GLJ

Hub-level FAQ points readers to the deeper analysis pages.

What is the current etr/GLJ stock rating?

etr/GLJ is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full etr/GLJ analysis?

The full report lives at /stocks/etr/GLJ/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for etr/GLJ?

The latest report frames etr/GLJ around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the etr/GLJ page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.