Grenke AG (0R97) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Grenke AG €14.02, price €10.52, upside +33.3%, quality 33 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range €10.52 – €34.26 · fair‑value band €9.98 – €17.52 · the €10.52 price screens below the €14.02 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Grenke AG, together with its subsidiaries, provides financial services to small and medium-sized (SME) enterprises in Germany, France, Italy, and internationally.
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Grenke AG, together with its subsidiaries, provides financial services to small and medium-sized (SME) enterprises in Germany, France, Italy, and internationally. It is involved in the financing for commercial lessees; leasing, services, protection, and maintenance offers, as well as small-ticket leasing of IT products, such as PCs, notebooks, servers, monitors, and other peripheral devices. The company also offers leasing portfolio that includes office communication products comprising telecommunications and copying equipment, as well as medical technology products, small machines and equipment, security devices, and green economy objects, including wall boxes, photovoltaic systems, and eBikes. In addition, it provides fixed-term deposits for private and commercial customers through its website and online platforms; microloans and start-up financing, as well as development loans to SMEs and self-employed professionals; and small-ticket factoring services. The company was formerly known as GrenkeLeasing AG and changed its name to Grenke AG in May 2016. Grenke AG was founded in 1978 and is headquartered in Baden-Baden, Germany.
Stock analysis
Grenke AG (0R97) currently trades at €10.52, while our model-based Fair Value estimate is €14.02, implying the stock looks roughly 25.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €13.17 per share, and 4 of the 11 models we run sit above the €10.52 price.
Bear case: the Dividend Discount group reads lowest at €3.88, and 7 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: €9.98 (bear) to €17.52 (bull), the price of €10.52 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 33/100 (below-average quality), in the Industrials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Grenke AG reported revenue of €632M in FY2020 versus €417M in FY2016, a compound +10.9%/yr. Reported net income was €93.7M in FY2020, compounding −2.4%/yr from FY2016.
Key figures
Market cap €1.3B · P/S ratio 1.88 · Dividend yield 4.0% · Net margin 14.8% · Return on equity 5.6% · Return on assets (EBIT) 2.4% · Operating margin 12.9% · Revenue (TTM) €676M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −24% fair-value upside, at 33%, 0R97 screens cheaper than that median.
Fair Value models
Bear €9.98Fair Value €14.02Bull €17.52
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.47/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+5.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.7%
’16
’17
’18
’19
’20
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
32.8% (2016) → 19.8% (2020)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Aerospace & Defense · 227 stocks
Beats the industry median on 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score33 · Bottom 25%
Fair Value upside−2.1% · Top 25%
Profitability
Return on equity (TTM)5.6% · Below median
Return on assets0.9% · Below median
Net margin (TTM)10.7% · Above median
Operating margin (TTM)12.9% · Above median
Growth and dividend
Revenue growth10.2% · Below median
Dividend yield (TTM)4.0% · Top 25%
Balance sheet
Debt / equity3.24× · Highest 25%
Valuation Multiplesvs Aerospace & Defense median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Grenke AG Fair Value". https://www.fairvalue-calculator.com/stock/0R97
Frequently asked questions
Is Grenke AG (0R97) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €14.02 versus a price of €10.52, about +33% upside (undervalued).
What is the fair value of 0R97?
Our model-based fair value for Grenke AG is €14.02 (as of Sep 24, 2026), built from audited fundamentals. The current price: €10.52.
What is the quality score of 0R97?
Grenke AG has a Quality Score of 33/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Grenke AG (0R97)?
Our model-based price target is the fair value of €14.02 (as of Sep 24, 2026) from 11 valuation models. Cautious scenario €9.98, optimistic scenario €17.52. It is a calculation from audited fundamentals, not an analyst target.
What is the Grenke AG stock forecast for 2026?
Our models put fair value at €14.02, about +33% upside versus a price of €10.52 (undervalued). Cautious scenario €9.98, optimistic scenario €17.52. The calculation is refreshed regularly with new filings.
What is the revenue of Grenke AG (0R97)?
Grenke AG reported trailing-twelve-month revenue of about €676M (latest available figure, as of Sep 24, 2026).
Does Grenke AG pay a dividend?
Grenke AG currently shows a dividend yield of about 3.99% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Grenke AG (0R97)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Grenke AG it is €14.02 per share (as of Sep 24, 2026), against a price of €10.52. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Grenke AG stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0R97 trades below its calculated fair value: price €10.52, fair value €14.02, a gap of about +33% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0R97?
No. The price is what the market pays today (€10.52); the fair value is what the company's own numbers justify (€14.02). For Grenke AG the two are €3.50 per share apart. That gap is exactly why we show both numbers side by side.
How much is Grenke AG worth?
The market values Grenke AG at about €1.3B (market capitalisation, as of Sep 24, 2026). Per share that is €10.52; our models calculate a fair value of €14.02 per share.
What do the bullish and bearish scenarios say about 0R97?
Our models span a range for Grenke AG: cautious scenario €9.98, base €14.02, optimistic €17.52 per share (as of Sep 24, 2026, price €10.52). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Grenke AG (0R97)?
Balance-sheet figures for Grenke AG (as of Sep 24, 2026): return on equity 5.6%, debt of 3.24 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is 0R97 from its 52-week high?
Grenke AG trades at €10.52, about 36% below its 52-week high of €16.32 and at the low of €10.52 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €14.02 is for.
Which stocks are comparable to Grenke AG?
From the same area (Industrials) we also value General Electric Company, RTX Corporation, Airbus SE, Lockheed Martin Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Grenke AG stock attractive at the current price?
The data as of Sep 24, 2026: price €10.52, calculated fair value €14.02 (+33%), Quality Score 33/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0R97 calculated?
We run Grenke AG through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €14.02, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Grenke AG currently trades 25 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Grenke AG (0R97)?
The closing price on Oct 2, 2026 was €10.52. Our model-based fair value is €14.02, about +33% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Grenke AG right now?
The large discount to fair value meets weak quality (33/100). That raises the risk this is a value trap rather than a bargain. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of Grenke AG
How large is the market capitalisation of Grenke AG (0R97)?
The market capitalisation of Grenke AG is €1.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Grenke AG (0R97)?
The price-to-sales ratio of Grenke AG is 1.88 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Grenke AG (0R97)?
The dividend yield of Grenke AG is 4.0%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Grenke AG (0R97)?
The net margin of Grenke AG is 14.8% (fiscal year 2020). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Grenke AG (0R97)?
The return on equity (ROE) of Grenke AG is 5.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Grenke AG (0R97)?
On an EBIT basis the return on assets of Grenke AG is 2.4% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Grenke AG (0R97)?
The operating margin of Grenke AG is 12.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Grenke AG (0R97)?
Revenue at Grenke AG is growing +10.2% versus a year earlier (3y avg +10.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Grenke AG (0R97)?
Earnings per share at Grenke AG are growing +42.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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