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Grenke AGCHIX:GLJD 67 Debt-to-Equity is 3.77 as of Mar. 2026, which is 9% above its 10-year median of 3.46. GuruFocus rates CHIX:GLJD with a GF Score™ of 67/100 and a GF Value™ of €20.31. The stock has 3 warning signs investors should review. Among 456 Credit Services companies, Grenke AG ranks worse than 78.29% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Grenke AG's Debt-to-Equity or its related term are showing as below:
CHIX:GLJd'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 3.46 Max: 4.29
Current: 3.77
During the past 13 years, the highest Debt-to-Equity Ratio of Grenke AG was 4.29. The lowest was 0.04. And the median was 3.46.
CHIX:GLJd's Debt-to-Equity is ranked worse than 78.29% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs CHIX:GLJd: 3.77
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Grenke AG Debt-to-Equity Related Terms
Grenke AG Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Grenke AG's Debt-to-Equity 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-Equity Comparison
For the Credit Services subindustry, Grenke AG's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Grenke AG's Debt-to-Equity 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 Debt-to-Equity of 3.77 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Grenke AG and its competitors. This is near median its historical median of 3.46. Over the past decade, Grenke AG's Debt-to-Equity has ranged from 0.04 to 4.29. According to the industry distribution chart, Grenke AG ranks #357 out of 456 companies in the Credit Services industry, placing it in the top 78.3%.
Is Grenke AG's Debt-to-Equity too high?
Grenke AG's current Debt-to-Equity of 3.77 is near median its 10-year median of 3.46. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 4.29. The Credit Services industry median Debt-to-Equity is 1.24. Grenke AG's value of 3.77 is 205.3% above this industry median. Based on the distribution chart, Grenke AG ranks #357 out of 456 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-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #357 out of 456 companies for Debt-to-Equity. This places Grenke AG in the lower half of its industry. The industry median Debt-to-Equity is 1.24. Grenke AG's value of 3.77 is 205.3% above this benchmark. Historically, Grenke AG's own Debt-to-Equity has ranged from 0.04 to 4.29 over the past decade. While the company's 10-year median is 3.46 vs. the industry median of 1.24, 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grenke AG's current Debt-to-Equity of 3.77 is 205.3% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Grenke AG and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current Debt-to-Equity is 3.77, which is near median its own 10-year median of 3.46. 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-Equity of 3.77. The stock's GF Value™ is €20.31, compared to a current price of €12.31 — trading 39.4% below its estimated fair value. The current Debt-to-Equity is 3.77, which is near median its 10-year median of 3.46 and 205.3% above the Credit Services industry median of 1.24. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Grenke AG (CHIX:GLJD), the current Debt-to-Equity is 3.77 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 39.4% below its estimated GF Value™ of €20.31.
Key valuation signals for CHIX:GLJD:
Debt-to-Equity: 3.77 (near median its 10-year median of 3.46)
GF Value™: €20.31 vs. price of €12.31 (39.4% below fair value)
Industry Position: 205.3% above the Credit Services median (#357 of 456)
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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