Grenke AGCHIX:GLJD 54 3-Year RORE % is -15.58 as of Mar. 2026. GuruFocus rates CHIX:GLJD with a GF Score™ of 54/100 and a GF Value™ of €21.40 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 518 Credit Services companies, Grenke AG ranks worse than 72.39% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Grenke AG's 3-Year RORE % for the quarter that ended in Mar. 2026 was -15.58%.
The industry rank for Grenke AG's 3-Year RORE % or its related term are showing as below:
CHIX:GLJd's 3-Year RORE % is ranked worse than 72.39% of 518
companies
in the Credit Services industry
Industry Median: 8.58
vs CHIX:GLJd: -15.58
Grenke AG (CHIX:GLJd) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Grenke AG 3-Year RORE % Related Terms
Grenke AG 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Grenke AG's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Grenke AG's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Grenke AG's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Grenke AG (CHIX:GLJD) has a 3-Year RORE % of -15.58 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Grenke AG and its competitors. According to the industry distribution chart, Grenke AG ranks #375 out of 518 companies in the Credit Services industry, placing it in the top 72.4%.
Is Grenke AG's 3-Year RORE % too high?
Grenke AG's current 3-Year RORE % is -15.58. Based on the distribution chart, Grenke AG ranks #375 out of 518 companies in the Credit Services industry, which is below the industry midpoint. Overall, Grenke AG has a GF Score™ of 54/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Grenke AG's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Grenke AG ranks #375 out of 518 companies for 3-Year RORE %. This places Grenke AG in the lower half of its industry. The industry median 3-Year RORE % is 8.58. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.58, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Grenke AG and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grenke AG's current 3-Year RORE % is -15.58. 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 (CHIX:GLJD) is currently considered Possible Value Trap. The stock's GF Value™ is €21.40, compared to a current price of €12.31 — trading 42.5% below its estimated fair value. The current 3-Year RORE % is -15.58. Grenke AG's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Grenke AG (CHIX:GLJD), the current 3-Year RORE % is -15.58 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 (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 42.5% below its estimated GF Value™ of €21.40.
GuruFocus considers Grenke AG to be Possible Value Trap.
Key valuation signals for CHIX:GLJD:
3-Year RORE %: -15.58
GF Value™: €21.40 vs. price of €12.31 (42.5% 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.
54GF Score
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