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Grenke AGCHIX:GLJD 67 Cash-to-Debt is 0.12 as of Jun. 2026, which is 37% below its 10-year median of 0.19. 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 518 Credit Services companies, Grenke AG ranks worse than 58.3% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Grenke AG's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.12.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Grenke AGcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Grenke AG's Cash-to-Debt or its related term are showing as below:
CHIX:GLJd'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08 Med: 0.19 Max: No Debt
Current: 0.12
During the past 13 years, Grenke AG's highest Cash to Debt Ratio was No Debt. The lowest was 0.08. And the median was 0.19.
CHIX:GLJd's Cash-to-Debt is ranked worse than 58.3% of 518
companies
in the Credit Services industry
Industry Median: 0.19
vs CHIX:GLJd: 0.12
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Grenke AG Cash-to-Debt Related Terms
Grenke AG Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Grenke AG's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Grenke AG's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Grenke AG's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Grenke AG (CHIX:GLJD) has a Cash-to-Debt of 0.12 as of Jun. 2026. This is 37% below median its historical median of 0.19. Over the past decade, Grenke AG's Cash-to-Debt has ranged from 0.08 to 10,000.00. According to the industry distribution chart, Grenke AG ranks #302 out of 518 companies in the Credit Services industry, placing it in the top 58.3%.
Is Grenke AG's Cash-to-Debt too high?
Grenke AG's current Cash-to-Debt of 0.12 is 37% below median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 10,000.00. The Credit Services industry median Cash-to-Debt is 0.19. Grenke AG's value of 0.12 is 36.8% below this industry median. Based on the distribution chart, Grenke AG ranks #302 out of 518 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 Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #302 out of 518 companies for Cash-to-Debt. This places Grenke AG in the lower half of its industry. The industry median Cash-to-Debt is 0.19. Grenke AG's value of 0.12 is 36.8% below this benchmark. Historically, Grenke AG's own Cash-to-Debt has ranged from 0.08 to 10,000.00 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.19, 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grenke AG's current Cash-to-Debt of 0.12 is 36.8% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current Cash-to-Debt is 0.12, which is 37% below median its own 10-year median of 0.19. 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 Cash-to-Debt of 0.12. 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 Cash-to-Debt is 0.12, which is 37% below median its 10-year median of 0.19 and 36.8% below the Credit Services industry median of 0.19. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Grenke AG (CHIX:GLJD), the current Cash-to-Debt is 0.12 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:
Cash-to-Debt: 0.12 (37% below median its 10-year median of 0.19)
GF Value™: €19.12 vs. price of €12.31 (35.6% below fair value)
Industry Position: 36.8% below the Credit Services median (#302 of 518)
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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