VIE/GLJ (VIE/GLJ)

Vienna Stock Exchange: VIE/GLJ · EUR

€10.1

+0.18 (+1.8%)· Recorded snapshot

Market cap	443.5M
Revenue (ttm)	694.7M
Net income (ttm)	59.6M
EPS (ttm)	€1.35
P/E (trailing)	7.5x
P/E (forward)	6.5x
Dividend	€0.42 (4.14%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 694.7M
Net income (ttm): 59.6M
EPS (ttm): €1.35
P/E (trailing): 7.5x
P/E (forward): 6.5x
Market cap: 443.5M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E6.5

P25 9.8P50 11.2P75 15.6

Trailing P/E7.5

P25 10.7P50 12.7P75 17.8

ROE5.5

P25 9.4P50 13.1P75 19.4

ROIC1.3

P25 5.1P50 11.7P75 17.8

Benchmarks · 1M

All VIE/GLJ indicators

Market & fundamental data

Available fields

198

Groups with data

Currency

EUR

Showing 198 of 198 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	Germany
Country code	AT
Earnings date	2026-11-12
Employees	2,500
Employees change	100
Employees growth	4.17%
Exchange	Vienna Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1978
Industry	Credit Services
Is primary listing	No
ISIN number	DE000A161N30
Last earnings date	2026-08-13
Last refreshed	2026-10-29
Market cap	EUR 443.5M
Next earnings date	2026-11-12
Price	EUR 10.14
Price currency	EUR
Sector	Financials
SIC code	6172
Stock price date	2026-10-28
Symbol	vie/GLJ
Website	https://www.grenke.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	20.58x
Average P/E ratio (3Y)	12.15x
Average P/E ratio (5Y)	12.88x
Earnings yield	13.31%
FCF yield	-83.54%
Forward P/E	6.5x
Graham number	31.50824
Graham upside	210.73%
Lynch fair value	EUR 6.81
Lynch upside	-32.8%
P/B ratio	0.31x
P/E ratio	7.51x
P/S ratio	0.64x
Price / tangible book value	0.37x
Sector forward P/E	9.57x
Sector P/E	10.92x

Profitability

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

Metric	Value
Effective tax rate	24.91%
Gross margin	83.12%
Operating margin	16.61%
Pretax margin	15%
Profit margin	10.48%
Profit per employee	EUR 23,846
Profitable quarters	70
Profitable years	22
Revenue per employee	EUR 277,898
ROA	0.86%
ROA (5Y)	1.14%
ROE	5.52%
ROE (5Y)	6.23%
ROIC	1.33%
ROIC (5Y)	1.5%
Tax / revenue	3.74%

Growth

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

Metric	Value
EPS growth	37.64%
EPS growth (Q)	1.96%
EPS growth (QoQ)	987.16%
EPS growth 10Y	-4.05%
EPS growth 3Y	-8.62%
EPS growth 5Y	-4.66%
EPS growth quarters	4
EPS growth years	0
Net income growth	30.94%
Net income growth (Q)	1.96%
Net income growth (QoQ)	987.14%
Net income growth 3Y	-10.16%
Net income growth 5Y	-5.62%
Net income growth quarters	4
Net income growth years	0
Operating income growth	35.55%
Operating income growth (Q)	6.54%
Operating income growth 3Y	4.18%
Operating income growth 5Y	-0.74%
Revenue growth	12.54%
Revenue growth (Q)	11.69%
Revenue growth (QoQ)	6.43%
Revenue growth 10Y	8.41%
Revenue growth 3Y	11.27%
Revenue growth 5Y	5.82%
Revenue growth quarters	16
Revenue growth years	4

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -16.4M
Depreciation and amortization	EUR 20.3M
EPS	EUR 1.35
Financing cash flow	EUR -67.2M
Free cash flow	EUR -370.6M
Gross profit	EUR 577.5M
Income taxes	EUR 26M
Investing cash flow	EUR -59.5M
Net borrowing	EUR -30.7M
Net cash flow	EUR -481.2M
Net income	EUR 59.6M
Operating income	EUR 115.4M
Revenue	EUR 694.7M

Financial strength

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

Metric	Value
Book value per share	EUR 30.49
Debt / equity	3.57
Goodwill	EUR 115.4M
Net cash (debt)	EUR -4.6B
Net cash / market cap	-1,034.93%
Net debt / equity	3.24
Piotroski F-Score	4
Property, plant and equipment	EUR 239.6M
Shareholders' equity	EUR 1.4B
Tangible book value	EUR 1.2B
Tangible book value per share	EUR 27.03
Total assets	EUR 9.2B
Total cash	EUR 471.8M
Total debt	EUR 5.1B
Total liabilities	EUR 7.8B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.08
Current ratio	2.13
Quick ratio	2.01
Working capital	EUR 4.6B
Working capital turnover	0.16

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	0.67%
Dividend growth	5%
Dividend growth (3Y)	-2.27%
Dividend growth (5Y)	10.07%
Dividend growth years	0
Dividend payment date	2026-04-29
Dividend payment years	8
Dividend payout frequency	Annual
Dividend per share	EUR 0.42
Dividend yield	4.14%
Ex-dividend date	2026-04-27
Last dividend	EUR 0.42
Payout ratio	50.15%
Shareholder yield	4.81%

Performance and technicals

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

Metric	Value
150-day SMA	EUR 11.88
1D price change	1.81%
1M price change	-5.06%
1M total return	-5.06%
1W price change	2.12%
1W total return	2.12%
1Y price change	-35.98%
1Y return CAGR	-33.9%
1Y total return	-33.88%
20-day SMA	EUR 10.17
200-day SMA	EUR 12.49
3M price change	-13.63%
3M total return	-13.63%
3Y price change	-48.16%
3Y return CAGR	-17.4%
3Y total return	-43.65%
50-day SMA	EUR 10.88
50-day SMA vs 200-day SMA	50under200
52-week high	EUR 15.94
52-week high date	2026-01-12
52-week low	EUR 9.74
52-week low date	2026-10-08
5Y price change	-69.52%
5Y return CAGR	-19.26%
5Y total return	-65.69%
6M price change	-21.64%
6M total return	-21.64%
All-time high	EUR 106.30
All-time high date	2018-06-13
All-time low	EUR 9.74
All-time low date	2026-10-08
Average true range (ATR)	EUR 0.19
Average volume	0
Change from 52-week high	-36.39%
Change from 52-week low	4.11%
Change from all-time high	-90.46%
Change from all-time low	4.11%
Change from open	1.4%
Day's gap	0.4%
High price	EUR 10.14
Low price	EUR 10.00
Monthly RSI	31.94
Open price	EUR 10.00
Position in 52-week range	100%
Previous close	EUR 9.96
Price vs 150-day SMA	-14.67%
Price vs 20-day SMA	-0.26%
Price vs 200-day SMA	-18.8%
Price vs 50-day SMA	-6.83%
Relative volume	0.67
RSI	43.17
Sharpe ratio	-1.28
Sharpe ratio (3Y)	-0.51
Sharpe ratio (5Y)	-0.44
Sortino ratio	-1.53
Sortino ratio (3Y)	-0.53
Sortino ratio (5Y)	-0.47
Weekly RSI	34.08
YTD price change	-35%
YTD total return	-32.86%

Ownership and float

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

Metric	Value
Float	25.2M
Shares change (QoQ)	0%
Shares change (YoY)	-0.67%
Shares held by insiders	42.98%
Shares held by institutions	18.62%

Deeper analysis on VIE/GLJ

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this VIE/GLJ report

Is a complete VIE/GLJ research report available?

No complete published report is available for vie/GLJ (VIE/GLJ) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

VIE/GLJ (VIE/GLJ)

Price

Financial snapshot

Fair-value bridge

Latest news · VIE/GLJ

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All VIE/GLJ indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on VIE/GLJ

Frequently asked questions