Grenke AGWBO:GLJ -1.64%61 Net Margin % is 5.92% as of Mar. 2026, which is 57% below its 10-year median of 13.82. GuruFocus rates WBO:GLJ with a GF Score™ of 61/100 and a GF Value™ of €20.62 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 534 Credit Services companies, Grenke AG ranks worse than 66.85% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Grenke AG's Net Income for the
three
months ended in Mar. 2026 was €14 Mil. Grenke AG's Revenue for the
three
months ended in Mar. 2026 was €237 Mil. Therefore, Grenke AG's net margin for the quarter that ended in Mar. 2026 was 5.92%.
The historical rank and industry rank for Grenke AG's Net Margin % or its related term are showing as below:
WBO:GLJ'
s Net Margin % Range Over the Past 10 Years
Min: 4.4 Med: 13.82 Max: 22.89
Current: 7.22
WBO:GLJ's Net Margin % is ranked worse than 66.85% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs WBO:GLJ: 7.22
Grenke AG (WBO:GLJ) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Grenke AG Net Margin % Related Terms
Grenke AG Net Margin % Historical Data
* Premium members only.
The historical data trend for Grenke AG's Net Margin % 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.
For the Credit Services subindustry, Grenke AG's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Grenke AG's Net Margin % 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 (WBO:GLJ) has a Net Margin % of 5.92% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Grenke AG and its competitors. This is 57% below median its historical median of 13.82. Over the past decade, Grenke AG's Net Margin % has ranged from 4.40 to 22.89. According to the industry distribution chart, Grenke AG ranks #357 out of 534 companies in the Credit Services industry, placing it in the top 66.9%.
Is Grenke AG's Net Margin % too high?
Grenke AG's current Net Margin % of 5.92% is 57% below median its 10-year median of 13.82. Over the past 10 years, this metric has ranged from a low of 4.40 to a high of 22.89. The Credit Services industry median Net Margin % is 14.52. Grenke AG's value of 5.92% is 59.2% below this industry median. Based on the distribution chart, Grenke AG ranks #357 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, Grenke AG has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Grenke AG's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #357 out of 534 companies for Net Margin %. This places Grenke AG in the lower half of its industry. The industry median Net Margin % is 14.52. Grenke AG's value of 5.92% is 59.2% below this benchmark. Historically, Grenke AG's own Net Margin % has ranged from 4.40 to 22.89 over the past decade. While the company's 10-year median is 13.82 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grenke AG's current Net Margin % of 5.92% is 59.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Grenke AG and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current Net Margin % is 5.92%, which is 57% below median its own 10-year median of 13.82. 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?
Based on GuruFocus' analysis, Grenke AG (WBO:GLJ) is currently considered Possible Value Trap. The stock's GF Value™ is €20.62, compared to a current price of €11.96 — trading 42% below its estimated fair value. The current Net Margin % is 5.92%, which is 57% below median its 10-year median of 13.82 and 59.2% below the Credit Services industry median of 14.52. Grenke AG's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Grenke AG (WBO:GLJ), the current Net Margin % is 5.92% 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 (WBO:GLJ) Overvalued in 2026?
Based on GuruFocus' analysis, Grenke AG stock appears to be undervalued.
The current stock price of €11.96 is trading 42% below its estimated GF Value™ of €20.62.
GuruFocus considers Grenke AG to be Possible Value Trap.
Key valuation signals for WBO:GLJ:
Net Margin %: 5.92% (57% below median its 10-year median of 13.82)
GF Value™: €20.62 vs. price of €11.96 (42% below fair value)
Industry Position: 59.2% below the Credit Services median (#357 of 534)
No single metric tells the full story. See the WBO:GLJ 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.
61GF Score
Get the complete analysis for WBO:GLJ
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WBO:GLJ has been successfully added to your 
