Grenke AGWBO:GLJ -1.64%61 PB Ratio is 0.39 as of Jun. 25, 2026, which is 69% below its 10-year median of 1.27. GuruFocus rates WBO:GLJ with a GF Score™ of 61/100 and a GF Value™ of €20.64 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 523 Credit Services companies, Grenke AG ranks better than 87.38% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), Grenke AG's share price is €11.96. Grenke AG's Book Value per Share for the quarter that ended in Mar. 2026 was €30.62. Hence, Grenke AG's PB Ratio of today is 0.39.
Good Sign:
Grenke AG stock PB Ratio (=0.39) is close to 10-year low of 0.39.
The historical rank and industry rank for Grenke AG's PB Ratio or its related term are showing as below:
WBO:GLJ'
s PB Ratio Range Over the Past 10 Years
Min: 0.39 Med: 1.27 Max: 5.8
Current: 0.39
During the past 13 years, Grenke AG's highest PB Ratio was 5.80. The lowest was 0.39. And the median was 1.27.
WBO:GLJ's PB Ratio is ranked better than 87.38% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs WBO:GLJ: 0.39
During the past 12 months, Grenke AG's average Book Value Per Share Growth Rate was -0.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Grenke AG was 20.00% per year. The lowest was 1.50% per year. And the median was 10.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Grenke AG PB Ratio Related Terms
Grenke AG PB Ratio Historical Data
* Premium members only.
The historical data trend for Grenke AG's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Grenke AG's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Grenke AG's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Grenke AG (WBO:GLJ) has a PB Ratio of 0.39 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Grenke AG and its competitors. This is 69% below median its historical median of 1.27. Over the past decade, Grenke AG's PB Ratio has ranged from 0.39 to 5.80. According to the industry distribution chart, Grenke AG ranks #66 out of 523 companies in the Credit Services industry, placing it in the top 12.6%.
Is Grenke AG's PB Ratio too high?
Grenke AG's current PB Ratio of 0.39 is 69% below median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 5.80. The Credit Services industry median PB Ratio is 1.06. Grenke AG's value of 0.39 is 63.2% below this industry median. Based on the distribution chart, Grenke AG ranks #66 out of 523 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #66 out of 523 companies for PB Ratio. This places Grenke AG in the top 13% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.06. Grenke AG's value of 0.39 is 63.2% below this benchmark. Historically, Grenke AG's own PB Ratio has ranged from 0.39 to 5.80 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grenke AG's current PB Ratio of 0.39 is 63.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Grenke AG and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current PB Ratio is 0.39, which is 69% below median its own 10-year median of 1.27. 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 €20.64, compared to a current price of €11.96 — trading 42.1% below its estimated fair value. The current PB Ratio is 0.39, which is 69% below median its 10-year median of 1.27 and 63.2% below the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Grenke AG (WBO:GLJ), the current PB Ratio is 0.39 as of Jun. 25, 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 42.1% below its estimated GF Value™ of €20.64.
GuruFocus considers Grenke AG to be Possible Value Trap.
Key valuation signals for WBO:GLJ:
PB Ratio: 0.39 (69% below median its 10-year median of 1.27)
GF Value™: €20.64 vs. price of €11.96 (42.1% below fair value)
Industry Position: 63.2% below the Credit Services median (#66 of 523)
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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