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Grenke AGCHIX:GLJD 67 Debt-to-EBITDA is 45.38 as of Mar. 2026, which is 71% above its 10-year median of 26.49. GuruFocus rates CHIX:GLJD with a GF Score™ of 67/100 and a GF Value™ of €20.35. The stock has 3 warning signs investors should review. Among 282 Credit Services companies, Grenke AG ranks worse than 89.36% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Grenke AG's Debt-to-EBITDA or its related term are showing as below:
CHIX:GLJd'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.24 Med: 26.49 Max: 41.79
Current: 34.37
During the past 13 years, the highest Debt-to-EBITDA Ratio of Grenke AG was 41.79. The lowest was 0.24. And the median was 26.49.
CHIX:GLJd's Debt-to-EBITDA is ranked worse than 89.36% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs CHIX:GLJd: 34.37
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Grenke AG Debt-to-EBITDA Related Terms
Grenke AG Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Grenke AG's Debt-to-EBITDA 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.
CHIX:GLJD vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Grenke AG's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Grenke AG's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Grenke AG (CHIX:GLJD) has a Debt-to-EBITDA of 45.38 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Grenke AG. This is 71% above median its historical median of 26.49. Over the past decade, Grenke AG's Debt-to-EBITDA has ranged from 0.24 to 41.79. According to the industry distribution chart, Grenke AG ranks #252 out of 282 companies in the Credit Services industry, placing it in the top 89.4%.
Is Grenke AG's Debt-to-EBITDA too high?
Grenke AG's current Debt-to-EBITDA of 45.38 is 71% above median its 10-year median of 26.49. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 41.79. The Credit Services industry median Debt-to-EBITDA is 9.30. Grenke AG's value of 45.38 is 388% above this industry median. Based on the distribution chart, Grenke AG ranks #252 out of 282 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #252 out of 282 companies for Debt-to-EBITDA. This places Grenke AG in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. Grenke AG's value of 45.38 is 388% above this benchmark. Historically, Grenke AG's own Debt-to-EBITDA has ranged from 0.24 to 41.79 over the past decade. While the company's 10-year median is 26.49 vs. the industry median of 9.30, Grenke AG has consistently been above 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grenke AG's current Debt-to-EBITDA of 45.38 is 388% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Grenke AG. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current Debt-to-EBITDA is 45.38, which is 71% above median its own 10-year median of 26.49. 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 Debt-to-EBITDA of 45.38. The stock's GF Value™ is €20.35, compared to a current price of €12.31 — trading 39.5% below its estimated fair value. The current Debt-to-EBITDA is 45.38, which is 71% above median its 10-year median of 26.49 and 388% above the Credit Services industry median of 9.30. Grenke AG's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Grenke AG (CHIX:GLJD), the current Debt-to-EBITDA is 45.38 as of Mar. 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 39.5% below its estimated GF Value™ of €20.35.
Key valuation signals for CHIX:GLJD:
Debt-to-EBITDA: 45.38 (71% above median its 10-year median of 26.49)
GF Value™: €20.35 vs. price of €12.31 (39.5% below fair value)
Industry Position: 388% above the Credit Services median (#252 of 282)
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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