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Grenke AGCHIX:GLJD 69 Intrinsic Value: Projected FCF is €37.46 as of Sep. 07, 2026. GuruFocus rates CHIX:GLJD with a GF Score™ of 69/100 and a GF Value™ of €19.12. The stock has 4 warning signs investors should review. Among 307 Credit Services companies, Grenke AG ranks better than 69.38% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-07), Grenke AG's Intrinsic Value: Projected FCF is €37.46. The stock price of Grenke AG is €12.31. Therefore, Grenke AG's Price-to-Intrinsic-Value-Projected-FCF of today is 0.3.
The historical rank and industry rank for Grenke AG's Intrinsic Value: Projected FCF or its related term are showing as below:
CHIX:GLJd'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.23 Med: 0.74 Max: 5.45
Current: 0.33
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Grenke AG was 5.45. The lowest was 0.23. And the median was 0.74.
CHIX:GLJd's Price-to-Projected-FCF is ranked better than 69.38% of 307
companies
in the Credit Services industry
Industry Median: 0.72
vs CHIX:GLJd: 0.33
Grenke AG (CHIX:GLJd) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Grenke AG's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
12.31
/
36.756091887692
=
0.33
* 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 Intrinsic Value: Projected FCF Related Terms
Grenke AG Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Grenke AG's Intrinsic Value: Projected FCF 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: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Grenke AG's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Grenke AG's Price-to-Projected-FCF falls into.
Grenke AG Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of €37.46 mean?
Grenke AG (CHIX:GLJD) has a Intrinsic Value: Projected FCF of €37.46 as of Sep. 07, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Grenke AG and its competitors. According to the industry distribution chart, Grenke AG ranks #94 out of 307 companies in the Credit Services industry, placing it in the top 30.6%.
Is Grenke AG's Intrinsic Value: Projected FCF too high?
Grenke AG's current Intrinsic Value: Projected FCF is €37.46. Based on the distribution chart, Grenke AG ranks #94 out of 307 companies in the Credit Services industry, which is above the industry midpoint. Overall, Grenke AG has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Grenke AG's Intrinsic Value: Projected FCF compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #94 out of 307 companies for Intrinsic Value: Projected FCF. This puts Grenke AG in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.72. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.72, based on 307 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Grenke AG and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current Intrinsic Value: Projected FCF is €37.46. 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 Intrinsic Value: Projected FCF of €37.46. 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 Intrinsic Value: Projected FCF is €37.46. Grenke AG's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Grenke AG (CHIX:GLJD), the current Intrinsic Value: Projected FCF is €37.46 as of Sep. 07, 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:
Intrinsic Value: Projected FCF: €37.46
GF Value™: €19.12 vs. price of €12.31 (35.6% below fair value)
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.
69GF Score
Get the complete analysis for CHIX:GLJD
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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