Market Price

71.95 

0.35 0.5%

as of Aug 14 '20

52 Week Range:

41.28 103.10


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Grenke AG, together with its subsidiaries, provides a range of banking and financial services to small and medium-sized (SME) enterprises in Germany, France, Italy, and internationally. It operates through three segments: Leasing, Banking, and Factoring. The company is involved in the leasing activities, such as financing to commercial lessees, rental, service, protection, and maintenance offerings, as well as disposal of used equipment; and small-ticket leasing of IT products, such as PCs, notebooks, servers, monitors, peripheral devices, software, telecommunication and copier equipment, and medical devices, as well as other IT products. It also provides banking products and services, such as fixed deposits to private and business customers through its Website; financing services to business start-ups, as well as development loans to SMEs and self-employed professionals; and small-ticket factoring and collection services. Grenke AG operates a total of 148 locations. 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 6.00
6.77
7.46
8.25
9.69
10.77
12.85
14.47
18.57
22.81
24.74
growth rate 12.8% 10.2% 10.6% 17.5% 11.2% 19.3% 12.6% 28.3% 22.8% 8.5%
Earnings BIT 33.64
36.53
50.43
59.70
64.26
growth rate 8.6% 38.1% 18.4% 7.6%
Avg.PE 16.39
18.69
13.61
16.31
21.05
27.09
31.55
24.45
33.19
28.45
34.61
growth rate 14.0% -27.2% 19.8% 29.1% 28.7% 16.5% -22.5% 35.8% -14.3% 21.7%
ROA 1.66
1.75
2.16
1.97
1.88
2.34
2.50
2.73
2.75
2.36
2.08
growth rate 5.4% 23.4% -8.8% -4.6% 24.5% 6.8% 9.2% 0.7% -14.2% -11.9%
ROE 9.67
10.11
12.97
12.70
11.90
13.95
14.78
15.84
15.67
13.00
11.60
growth rate 4.6% 28.3% -2.1% -6.3% 17.2% 6.0% 7.2% -1.1% -17.0% -10.8%
ROIC 9.67
10.11
12.97
2.17
2.12
2.48
2.63
2.88
2.92
2.47
2.18
growth rate 4.6% 28.3% -83.3% -2.3% 17.0% 6.1% 9.5% 1.4% -15.4% -11.7%
Cur. Ratio 1.35
1.26
1.39
1.19
1.21
1.42
1.48
1.60
growth rate -6.7% 10.3% -14.4% 1.7% 17.4% 4.2% 8.1%
Quick Ratio 0.26
0.21
0.18
0.21
0.19
0.24
0.30
0.38
growth rate -19.2% -14.3% 16.7% -9.5% 26.3% 25.0% 26.7%
Leverage 5.71
5.81
6.20
6.70
6.00
5.93
5.88
5.75
5.65
5.41
5.72
growth rate 1.8% 6.7% 8.1% -10.5% -1.2% -0.8% -2.2% -1.7% -4.3% 5.7%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 628.00
733.00
2,092.00
2,350.24
2,681.13
3,121.94
3,618.38
4,335.76
5,230.72
6,324.41
growth rate 16.7% 185.4% 12.3% 14.1% 16.4% 15.9% 19.8% 20.6% 20.9%
Acct.Payable 6.00
7.00
224.00
266.38
310.18
359.79
433.75
539.76
726.11
926.33
growth rate 16.7% 3,100.0% 18.9% 16.4% 16.0% 20.6% 24.4% 34.5% 27.6%
Cur.Assets 733.00
863.00
2,234.00
2,486.62
2,787.49
3,324.28
3,808.25
4,561.81
5,600.59
6,808.14
growth rate 17.7% 158.9% 11.3% 12.1% 19.3% 14.6% 19.8% 22.8% 21.6%
Total Assets 1,501.70
1,671.00
1,969.00
2,352.00
2,619.45
2,924.95
3,474.53
3,964.57
4,763.18
5,866.16
7,147.48
growth rate 11.3% 17.8% 19.5% 11.4% 11.7% 18.8% 14.1% 20.1% 23.2% 21.8%
Cash 78.00
104.00
117.00
109.77
88.40
186.45
156.90
203.36
333.63
434.38
growth rate 33.3% 12.5% -6.2% -19.5% 110.9% -15.9% 29.6% 64.1% 30.2%
Inventory 1.00
0.80
0.97
1.54
0.34
0.22
0.32
0.49
growth rate -19.6% 21.0% 58.6% -78.2% -33.5% 44.6% 50.3%
Cur.Liabilities 518.00
627.00
852.00
1,014.25
990.75
1,347.40
1,517.48
1,634.78
1,968.78
2,281.88
growth rate 21.0% 35.9% 19.0% -2.3% 36.0% 12.6% 7.7% 20.4% 15.9%
Liabilities 1,238.80
1,383.00
1,651.00
2,001.00
2,180.03
2,431.96
2,883.88
3,274.15
3,971.76
4,788.51
5,898.73
growth rate 11.6% 19.4% 21.2% 9.0% 11.6% 18.6% 13.5% 21.3% 20.6% 23.2%
LT Debt 638.90
790.00
931.00
1,113.00
1,120.79
1,392.18
1,483.61
1,707.26
2,289.45
2,768.17
3,511.27
growth rate 23.7% 17.9% 19.6% 0.7% 24.2% 6.6% 15.1% 34.1% 20.9% 26.8%
Equity 262.90
287.80
317.70
351.00
439.42
492.99
590.65
690.42
791.41
1,077.65
1,248.75
growth rate 9.5% 10.4% 10.5% 25.2% 12.2% 19.8% 16.9% 14.6% 36.2% 15.9%
Common Shares 41.00
41.00
41.00
41.00
44.00
44.00
44.00
44.00
44.00
45.00
46.00
growth rate 0.0% 0.0% 0.0% 7.3% 0.0% 0.0% 0.0% 0.0% 2.3% 2.2%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 1.00
4.00
4.00
8.00
6.69
5.71
11.33
11.83
17.17
15.57
22.29
growth rate 300.0% 0.0% 100.0% -16.4% -14.7% 98.5% 4.4% 45.1% -9.3% 43.2%
Cash Dividends 8.20
8.20
9.60
10.30
11.76
10.64
16.23
21.27
29.97
37.81
46.46
growth rate 0.0% 17.1% 7.3% 14.2% -9.5% 52.5% 31.0% 40.9% 26.1% 22.9%
Cash From OA 16.00
-13.60
42.00
63.00
-25.83
-9.26
119.83
-16.24
27.95
20.41
109.30
growth rate -100.0% 100.0% 50.0% -100.0% 0.0% 100.0% -100.0% 100.0% -27.0% 435.6%
FCF per Share 0.80
-0.73
0.67
1.52
-0.78
0.32
0.80
0.55
2.63
-3.81
4.76
growth rate -100.0% 100.0% 126.9% -100.0% 100.0% 150.0% -31.3% 378.2% -100.0% 100.0%
Sale Purchase of Stock 53.69
29.47
29.47
21.60
73.67
growth rate -45.1% 0.0% -26.7% 241.0%
FCF 15.00
-18.00
38.00
54.00
-33.00
-15.00
108.00
-28.00
11.00
5.00
87.00
growth rate -100.0% 100.0% 42.1% -100.0% 0.0% 100.0% -100.0% 100.0% -54.6% 1,640.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 203.80
173.00
203.00
178.00
208.35
240.69
287.49
326.95
376.72
445.42
514.79
growth rate -15.1% 17.3% -12.3% 17.1% 15.5% 19.4% 13.7% 15.2% 18.2% 15.6%
Op.Income 34.00
28.00
39.00
42.00
63.62
82.44
108.15
136.05
137.25
158.43
173.40
growth rate -17.7% 39.3% 7.7% 51.5% 29.6% 31.2% 25.8% 0.9% 15.4% 9.5%
IBT 33.64
36.53
50.43
59.70
64.26
86.91
109.46
134.54
132.03
156.59
170.70
growth rate 8.6% 38.1% 18.4% 7.6% 35.3% 26.0% 22.9% -1.9% 18.6% 9.0%
Net Income 24.60
28.00
39.00
42.00
47.01
65.04
80.85
103.23
105.43
131.49
142.06
growth rate 13.8% 39.3% 7.7% 11.9% 38.4% 24.3% 27.7% 2.1% 24.7% 8.0%
EPS 0.60
0.68
0.96
1.03
1.08
1.47
1.81
2.29
2.31
2.79
2.92
growth rate 13.3% 41.2% 7.3% 4.9% 36.1% 23.1% 26.5% 0.9% 20.8% 4.7%
Gross Profit 173.00
203.00
156.00
180.18
206.70
248.06
282.26
323.57
369.71
442.89
growth rate 17.3% -23.2% 15.5% 14.7% 20.0% 13.8% 14.6% 14.3% 19.8%

Quarterly Statements

Item Name Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Balance Sheet
Acct.Receivable 4,978.17
5,222.69
5,414.35
6,324.41
5,784.92
growth rate 4.9% 3.7% 16.8% -8.5%
Acct.Payable 759.79
814.89
841.73
926.33
1,021.20
growth rate 7.3% 3.3% 10.1% 10.2%
Cur.Assets 5,614.76
5,921.96
6,155.70
6,808.14
6,678.80
growth rate 5.5% 4.0% 10.6% -1.9%
Total Assets 6,183.16
6,525.14
6,797.98
7,147.48
7,360.44
growth rate 5.5% 4.2% 5.1% 3.0%
Cash 314.10
309.25
411.12
434.38
548.86
growth rate -1.5% 32.9% 5.7% 26.4%
Inventory 0.49
growth rate
Cur.Liabilities 1,940.93
2,135.78
2,251.47
2,281.88
2,460.69
growth rate 10.0% 5.4% 1.4% 7.8%
Liabilities 5,067.81
5,413.53
5,650.86
5,898.73
6,095.58
growth rate 6.8% 4.4% 4.4% 3.3%
LT Debt 3,043.62
3,191.37
3,303.60
3,511.27
3,535.60
growth rate 4.9% 3.5% 6.3% 0.7%
Equity 1,115.36
1,111.61
1,147.12
1,248.75
1,264.86
growth rate -0.3% 3.2% 8.9% 1.3%
Common Shares 46.35
46.35
46.35
46.35
46.35
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Capital Expenditures 3.86
7.12
7.61
3.70
5.66
growth rate 84.4% 6.8% -51.4% 53.0%
Cash Dividends 9.38
37.08
10.66
10.66
10.66
growth rate 295.6% -71.2% 0.0% 0.0%
Cash From OA -5.13
41.49
115.72
-42.78
131.61
growth rate 100.0% 179.0% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF -8.99
34.36
108.12
-46.48
125.95
growth rate 100.0% 214.6% -100.0% 100.0%
Income Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Sales 121.10
127.92
129.33
136.44
141.33
growth rate 5.6% 1.1% 5.5% 3.6%
Op.Income 40.49
40.99
40.89
51.03
29.99
growth rate 1.3% -0.3% 24.8% -41.2%
IBT 40.45
40.81
41.61
47.84
29.14
growth rate 0.9% 1.9% 15.0% -39.1%
Net Income 33.63
34.69
34.71
39.02
23.74
growth rate 3.2% 0.1% 12.4% -39.2%
EPS
growth rate
Gross Profit 102.94
109.33
109.99
120.63
122.36
growth rate 6.2% 0.6% 9.7% 1.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (82.48)

YOY Growth Grade:

C (54.99)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 31.94 31.94 20.32
EPS / Growth 24.7% 2.25 17.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 19.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 17.7% 20.7% 20.7%
Future PE 20.32 31.21 31.21
Future EPS 11.50 14.76 14.76
Value Price
MOS %
57.75
-19.7%
113.87
58.3%
113.87
58.3%
MOS Price 28.88 56.93 56.93
IRT 10.78 9.93 9.93

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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