profit from every €100 of sales.
€0€100
Grenke
€11.86+3.67% today
-22.1% since Dec 21, 25
1-year low €9.731-year high €15.98
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €7.51 for every €1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Grenke sold, what it kept, and what it did with the cash.
Sales went from €614 million in 2022 to €978 million in 2025, with €69.8 million of profit last year.
SalesProfit
Grenke vs. similar companies
Grenke grows the fastest of these 5 and is the cheapest for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| Grenke | 7.5× · Cheap | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads Grenke's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 614 | 687 | 819 | 978 | |
| 384 | 372 | 397 | 452 | |
| 77 | 109 | 129 | 167 | |
| 146 | 136 | 154 | 120 | |
| 90 | 92 | 76 | 70 | |
| 1.75 | 1.79 | 1.44 | 1.29 | |
| 62.6% | 54.2% | 48.4% | 46.3% | |
| 12.5% | 15.9% | 15.7% | 17.1% | |
| 14.7% | 13.4% | 9.3% | 7.1% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 6,413 | 7,100 | 8,193 | 9,089 |
| Cash | 449 | 697 | 975 | 674 |
| Total debt | 3,678 | 3,838 | 4,320 | 5,003 |
| Total liabilities | 5,081 | 5,745 | 6,870 | 7,671 |
| 1,361 | 1,369 | 1,343 | 1,352 | |
| 46 | 46 | 45 | 44 | |
| 1.7% | 1.5% | 1.6% | 1.0% | |
| 6.6% | 6.7% | 5.7% | 5.2% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -347 | 329 | 394 | -221 | |
| 8 | 7 | 9 | 19 | |
| -355 | 322 | 385 | -239 | |
| Dividends paid | 24 | 21 | 22 | 18 |
| – | 0 | 56 | 0 | |
| – | – | – | – |
Valuation
- 7.5×
- –
- –
- 0.4×
- 0.5×
- –
- 40.5×
- -45.7%
- 13.3%
- 3.4%
Profitability
- 46.3%
- 17.1%
- 7.1%
- –
- 1.0%
- 1.4%
- –
- –
- –
- –
Growth
- +16.8%
- −9.7%
- –
- –
- −1.7%
Financial health
- 36.2×
- 3.70
- –
- 61.0×
- 1.24
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 24%of 768
Bottom 37%of 611
Top 19%of 881
Top 32%of 880
Bottom 2%of 926
3.4%of the share price, paid each year
On $1,000 invested$34a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
25.3% of its profit
Room to growStretchedMore than it earnsNews
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
41No pass
Benjamin Graham
74Pass
Philip Fisher
44No pass
Peter Lynch
23No pass
Joel Greenblatt
18No pass
Charlie Munger
29No pass
Terry Smith
22No pass
Questions about Grenke
Is Grenke a good stock to buy?
A business with weak numbers, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Grenke AI analysis
What does Grenke do?
Grenke AG, together with its subsidiaries, provides financial services to small and medium-sized (SME) enterprises in Germany, France, Italy, and internationally. It is in Credit Services, based in Baden-Baden, Germany, with 2,500 employees.
Does Grenke pay a dividend?
Yes. At today's price the dividend is 3.4% a year, about 25% of its yearly profit. In 2025 it paid out €17.7 million in dividends.
Is Grenke stock halal?
No. Grenke does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
Who are Grenke's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Grenke's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.