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Grenke (GLJ) investor relations material
Grenke Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Leasing new business reached €1.6 billion in H1 2025, with a CM2 margin of 17.3% and customer base exceeding 690,000 lessees; lease receivables approached €7 billion.
Group earnings for H1 2025 were €26.2 million, down from €45.0 million in H1 2024, but showed a positive trend in Q2.
Strategic milestones included the acquisition of B2F and Selfrent for digital integration, full franchise buyout, and the agreement to sell the factoring business, with the first deconsolidation completed.
Operating income and cost efficiency improved, with a cost-income ratio of 56.1% and risk provisions in line with expectations.
Strategic partnership with Intesa Sanpaolo in Italy supports growth and digitalisation, with P&L effects expected from 2026.
Financial highlights
Operating income increased by 14% year-over-year to €318 million, and operating result before settlements and risk provisions rose 16% to €139 million.
Cost-income ratio improved to 56.1% in H1 2025, down from 57.1% in H1 2024.
Loss rate increased to 1.7% in H1 2025 from 1.1% in H1 2024, but decreased sequentially from 1.9% in Q1.
Equity ratio remained stable at 15.9% as of June 30, 2025.
Net interest income rose 11.6% year-over-year in Q2 2025 to €100.9 million.
Outlook and guidance
2025 guidance confirmed: leasing new business expected at €3.2–3.4 billion, group earnings €71–81 million, and CM2 margin above 16.5%.
Cost-income ratio is expected to remain below 60% for 2025, with a medium-term target below 55%.
Loss rate anticipated to stabilize around 1.6% for the year.
Positive Q2 earnings trend supports confidence in meeting full-year targets.
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Frequently asked questions
Grenke AG is a financial services company specializing in leasing, banking, and factoring solutions for small and medium-sized enterprises (SMEs). The company provides flexible leasing options for office equipment, IT infrastructure, and other business assets, enabling companies to manage their capital efficiently. Additionally, Grenke offers factoring services to improve cash flow by financing accounts receivable. Its banking division provides deposit and lending services. The company is headquartered in Baden-Baden, Germany, and its shares are listed on the Frankfurt Stock Exchange.
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