Grenke AGWBO:GLJ -1.64%61 Operating Margin % is 18.16% as of Mar. 2026, which is 10% above its 10-year median of 16.50. 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 412 Credit Services companies, Grenke AG ranks worse than 50.49% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. Grenke AG's Operating Income for the
three
months ended in Mar. 2026 was €43 Mil. Grenke AG's Revenue for the
three
months ended in Mar. 2026 was €237 Mil. Therefore, Grenke AG's Operating Margin % for the quarter that ended in Mar. 2026 was 18.16%.
Warning Sign:
Grenke AG operating margin has been in a 5-year decline. The average rate of decline per year is -17.5%.
The historical rank and industry rank for Grenke AG's Operating Margin % or its related term are showing as below:
WBO:GLJ'
s Operating Margin % Range Over the Past 10 Years
Min: 9.37 Med: 16.5 Max: 53.62
Current: 17.16
WBO:GLJ's Operating Margin % is ranked worse than 50.49% of 412
companies
in the Credit Services industry
Industry Median: 17.325
vs WBO:GLJ: 17.16
Grenke AG's 5-Year Average Operating Margin % Growth Rate was -17.50% per year.
Grenke AG's Operating Income for the
three
months ended in Mar. 2026 was €43 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was €172 Mil.
Grenke AG (WBO:GLJ) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Grenke AG Operating Margin % Related Terms
Grenke AG Operating Margin % Historical Data
* Premium members only.
The historical data trend for Grenke AG's Operating 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.
WBO:GLJ vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Grenke AG's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Grenke AG's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Grenke AG's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Operating Margin % of 18.16% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Grenke AG and its competitors. This is 10% above median its historical median of 16.50. Over the past decade, Grenke AG's Operating Margin % has ranged from 9.37 to 53.62. According to the industry distribution chart, Grenke AG ranks #208 out of 412 companies in the Credit Services industry, placing it in the top 50.5%.
Is Grenke AG's Operating Margin % too high?
Grenke AG's current Operating Margin % of 18.16% is 10% above median its 10-year median of 16.50. Over the past 10 years, this metric has ranged from a low of 9.37 to a high of 53.62. The Credit Services industry median Operating Margin % is 17.33. Grenke AG's value of 18.16% is 4.8% above this industry median. Based on the distribution chart, Grenke AG ranks #208 out of 412 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #208 out of 412 companies for Operating Margin %. This places Grenke AG in the lower half of its industry. The industry median Operating Margin % is 17.33. Grenke AG's value of 18.16% is 4.8% above this benchmark. Historically, Grenke AG's own Operating Margin % has ranged from 9.37 to 53.62 over the past decade. While the company's 10-year median is 16.50 vs. the industry median of 17.33, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grenke AG's current Operating Margin % of 18.16% is 4.8% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Grenke AG and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current Operating Margin % is 18.16%, which is 10% above median its own 10-year median of 16.50. 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 Operating Margin % is 18.16%, which is 10% above median its 10-year median of 16.50 and 4.8% above the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Grenke AG (WBO:GLJ), the current Operating Margin % is 18.16% 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:
Operating Margin %: 18.16% (10% above median its 10-year median of 16.50)
GF Value™: €20.62 vs. price of €11.96 (42% below fair value)
Industry Position: 4.8% above the Credit Services median (#208 of 412)
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
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