Grenke AGGKSGF -21.50%64 ROE % is 4.12% as of Mar. 2026, which is 48% below its 10-year median of 7.89. GuruFocus rates GKSGF with a GF Score™ of 64/100 and a GF Value™ of $29.22. The stock has 3 warning signs investors should review. Among 529 Credit Services companies, Grenke AG ranks worse than 54.44% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Grenke AG's annualized net income for the quarter that ended in Mar. 2026 was $65 Mil. Grenke AG's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $1,573 Mil. Therefore, Grenke AG's annualized ROE % for the quarter that ended in Mar. 2026 was 4.12%.
The historical rank and industry rank for Grenke AG's ROE % or its related term are showing as below:
GKSGF'
s ROE % Range Over the Past 10 Years
Min: 5.18 Med: 7.89 Max: 16.72
Current: 5.33
During the past 13 years, Grenke AG's highest ROE % was 16.72%. The lowest was 5.18%. And the median was 7.89%.
GKSGF's ROE % is ranked worse than 54.44% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs GKSGF: 5.33
Grenke AG (OTCPK:GKSGF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Grenke AG ROE % Related Terms
Grenke AG ROE % Historical Data
* Premium members only.
The historical data trend for Grenke AG's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's ROE % distribution charts can be found below:
* The bar in red indicates where Grenke AG's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Grenke AG (GKSGF) has a ROE % of 4.12% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Grenke AG and its competitors. This is 48% below median its historical median of 7.89. Over the past decade, Grenke AG's ROE % has ranged from 5.18 to 16.72. According to the industry distribution chart, Grenke AG ranks #288 out of 529 companies in the Credit Services industry, placing it in the top 54.4%.
Is Grenke AG's ROE % too high?
Grenke AG's current ROE % of 4.12% is 48% below median its 10-year median of 7.89. Over the past 10 years, this metric has ranged from a low of 5.18 to a high of 16.72. The Credit Services industry median ROE % is 6.61. Grenke AG's value of 4.12% is 37.7% below this industry median. Based on the distribution chart, Grenke AG ranks #288 out of 529 companies in the Credit Services industry, which is below the industry midpoint. Overall, Grenke AG has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Grenke AG's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #288 out of 529 companies for ROE %. This places Grenke AG in the lower half of its industry. The industry median ROE % is 6.61. Grenke AG's value of 4.12% is 37.7% below this benchmark. Historically, Grenke AG's own ROE % has ranged from 5.18 to 16.72 over the past decade. While the company's 10-year median is 7.89 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Grenke AG's current ROE % of 4.12% is 37.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Grenke AG and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current ROE % is 4.12%, which is 48% below median its own 10-year median of 7.89. 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 (GKSGF) has a current ROE % of 4.12%. The stock's GF Value™ is $29.22, compared to a current price of $17.27 — trading 40.9% below its estimated fair value. The current ROE % is 4.12%, which is 48% below median its 10-year median of 7.89 and 37.7% below the Credit Services industry median of 6.61. Grenke AG's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Grenke AG (GKSGF), the current ROE % is 4.12% 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 (GKSGF) Overvalued in 2026?
Based on GuruFocus' analysis, Grenke AG stock appears to be undervalued.
The current stock price of $17.27 is trading 40.9% below its estimated GF Value™ of $29.22.
Key valuation signals for GKSGF:
ROE %: 4.12% (48% below median its 10-year median of 7.89)
GF Value™: $29.22 vs. price of $17.27 (40.9% below fair value)
Industry Position: 37.7% below the Credit Services median (#288 of 529)
No single metric tells the full story. See the GKSGF 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.
64GF Score
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