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Grenke AGCHIX:GLJD 67 3-Year Book Growth Rate is 1.50% as of Jun. 2026, which is 86% below its 10-year median of 10.90. GuruFocus rates CHIX:GLJD with a GF Score™ of 67/100 and a GF Value™ of €19.12. The stock has 4 warning signs investors should review. Among 515 Credit Services companies, Grenke AG ranks worse than 68.74% on this metric.
During the past 12 months, Grenke AG's average Book Value per Share Growth Rate was -2.50% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 1.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 8.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Grenke AG was 20.00% per year. The lowest was 1.50% per year. And the median was 10.90% per year.
Grenke AG (CHIX:GLJd) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Grenke AG 3-Year Book Growth Rate Related Terms
CHIX:GLJD vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Grenke AG's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Grenke AG 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Grenke AG's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 1.50% mean?
Grenke AG (CHIX:GLJD) has a 3-Year Book Growth Rate of 1.50% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Grenke AG and its competitors. This is 86% below median its historical median of 10.90. Over the past decade, Grenke AG's 3-Year Book Growth Rate has ranged from 1.50 to 20.00. According to the industry distribution chart, Grenke AG ranks #354 out of 515 companies in the Credit Services industry, placing it in the top 68.7%.
Is Grenke AG's 3-Year Book Growth Rate too high?
Grenke AG's current 3-Year Book Growth Rate of 1.50% is 86% below median its 10-year median of 10.90. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 20.00. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Grenke AG's value of 1.50% is 75% below this industry median. Based on the distribution chart, Grenke AG ranks #354 out of 515 companies in the Credit Services industry, which is below the industry midpoint. Overall, Grenke AG has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Grenke AG's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #354 out of 515 companies for 3-Year Book Growth Rate. This places Grenke AG in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Grenke AG's value of 1.50% is 75% below this benchmark. Historically, Grenke AG's own 3-Year Book Growth Rate has ranged from 1.50 to 20.00 over the past decade. While the company's 10-year median is 10.90 vs. the industry median of 6.00, Grenke AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 515 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grenke AG's current 3-Year Book Growth Rate of 1.50% is 75% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Grenke AG and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current 3-Year Book Growth Rate is 1.50%, which is 86% below median its own 10-year median of 10.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grenke AG stock overvalued right now?
Grenke AG (CHIX:GLJD) has a current 3-Year Book Growth Rate of 1.50%. The stock's GF Value™ is €19.12, compared to a current price of €12.31 — trading 35.6% below its estimated fair value. The current 3-Year Book Growth Rate is 1.50%, which is 86% below median its 10-year median of 10.90 and 75% below the Credit Services industry median of 6.00. Grenke AG's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Grenke AG (CHIX:GLJD), the current 3-Year Book Growth Rate is 1.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Grenke AG (CHIX:GLJD) Overvalued in 2026?
Based on GuruFocus' analysis, Grenke AG stock appears to be undervalued.
The current stock price of €12.31 is trading 35.6% below its estimated GF Value™ of €19.12.
Key valuation signals for CHIX:GLJD:
3-Year Book Growth Rate: 1.50% (86% below median its 10-year median of 10.90)
GF Value™: €19.12 vs. price of €12.31 (35.6% below fair value)
Industry Position: 75% below the Credit Services median (#354 of 515)
No single metric tells the full story. See the CHIX:GLJD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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. The company'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.
67GF Score
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