(DB) Deutsche Bank - Ratings and Ratios
Banking, Investment, Asset Management, Lending, Advisory
DB EPS (Earnings per Share)
DB Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 32.6% |
| Value at Risk 5%th | 48.9% |
| Relative Tail Risk | -8.77% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.40 |
| Alpha | 112.13 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.425 |
| Beta | 1.039 |
| Beta Downside | 1.070 |
| Drawdowns 3y | |
|---|---|
| Max DD | 30.69% |
| Mean DD | 7.48% |
| Median DD | 4.74% |
Description: DB Deutsche Bank September 26, 2025
Deutsche Bank AG (ticker DB) is a German-headquartered, diversified capital-markets firm that operates across four primary segments – Corporate Bank, Investment Bank, Private Bank, and Asset Management – serving clients in Europe, the Middle East, Africa, the Americas and APAC.
The Corporate Bank delivers risk-management, cash-management, trade-finance, lending, trust, agency and securities-service solutions, positioning itself to benefit from the ongoing European corporate-treasury-modernisation trend, which analysts estimate could boost transaction volumes by 4-6 % annually through 2027.
The Investment Bank focuses on debt origination, M&A advisory, FX trading and equity-capital-markets services. Its earnings are highly sensitive to the European interest-rate cycle; with the ECB’s policy rate currently at 4.0 %, the bank’s net-interest-margin is expected to compress modestly, a risk reflected in a forward-looking 2024-2025 earnings-per-share volatility range of ±8 %.
The Private Bank offers payment, credit, deposit, and ESG-focused investment products, while the Asset Management arm provides alternative-investment vehicles (real-estate, infrastructure, liquid real assets) and sustainable-investment solutions, managing roughly €200 bn in assets under management – a figure that has grown ~12 % year-over-year, driven by rising institutional demand for green assets.
Key financial indicators as of FY 2023 include a Common-Equity-Tier-1 (CET1) ratio of 13.5 %, net profit of €2.5 bn, and a return on equity (ROE) of 7.8 %, suggesting a solid capital base but modest profitability relative to peers in the diversified-banking sector.
For a deeper, data-driven assessment of DB’s valuation dynamics and scenario analysis, you may find ValueRay’s interactive dashboards useful for extending this overview.
DB Stock Overview
| Market Cap in USD | 74,428m |
| Sub-Industry | Diversified Capital Markets |
| IPO / Inception | 1996-11-18 |
| Return 12m vs S&P 500 | 91.9% |
| Analyst Rating | - |
DB Dividends
| Dividend Yield | 2.08% |
| Yield on Cost 5y | 7.92% |
| Yield CAGR 5y | 51.88% |
| Payout Consistency | 72.6% |
| Payout Ratio | 29.7% |
DB Growth Ratios
| CAGR 3y | 57.23% |
| CAGR/Max DD Calmar Ratio | 1.86 |
| CAGR/Mean DD Pain Ratio | 7.66 |
| Current Volume | 2799.6k |
| Average Volume | 2340.2k |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (6.11b TTM) > 0 and > 6% of Revenue (6% = 2.33b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -2.34pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1562 % (prev 1694 %; Δ -3256 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.00 (>3.0%) and CFO -2.93b <= Net Income 6.11b (YES >=105%, WARN >=100%) |
| Net Debt (-2.16b) to EBITDA (7.36b) ratio: -0.29 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.95b) change vs 12m ago -3.92% (target <= -2.0% for YES) |
| Gross Margin 37.18% (prev -41.77%; Δ 78.95pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.80% (prev 2.00%; Δ 0.80pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.21 (EBITDA TTM 7.36b / Interest Expense TTM 30.16b) >= 6 (WARN >= 3) |
Altman Z'' -2.75
| (A) -0.44 = (Total Current Assets 254.96b - Total Current Liabilities 862.10b) / Total Assets 1391.25b |
| (B) 0.02 = Retained Earnings (Balance) 26.59b / Total Assets 1391.25b |
| (C) 0.00 = EBIT TTM 6.37b / Avg Total Assets 1385.67b |
| (D) 0.02 = Book Value of Equity 26.59b / Total Liabilities 1312.37b |
| Total Rating: -2.75 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 40.94
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield -43.06% = -5.0 |
| 3. FCF Margin -74.90% = -7.50 |
| 4. Debt/Equity 1.96 = 0.84 |
| 5. Debt/Ebitda -0.29 = 2.50 |
| 6. ROIC - WACC (= -3.13)% = -3.91 |
| 7. RoE 7.85% = 0.65 |
| 8. Rev. Trend 42.49% = 3.19 |
| 9. EPS Trend 3.48% = 0.17 |
What is the price of DB shares?
Over the past week, the price has changed by -2.38%, over one month by +5.21%, over three months by +0.93% and over the past year by +121.95%.
Is Deutsche Bank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of DB is around 49.14 USD . This means that DB is currently undervalued and has a potential upside of +33.06% (Margin of Safety).
Is DB a buy, sell or hold?
What are the forecasts/targets for the DB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 42.6 | 15.4% |
| Analysts Target Price | 42.6 | 15.4% |
| ValueRay Target Price | 53.3 | 44.2% |
DB Fundamental Data Overview November 17, 2025
P/E Trailing = 13.0241
P/E Forward = 9.6246
P/S = 2.4935
P/B = 0.7931
P/EG = 0.4764
Beta = 1.021
Revenue TTM = 38.87b EUR
EBIT TTM = 6.37b EUR
EBITDA TTM = 7.36b EUR
Long Term Debt = 113.77b EUR (from longTermDebt, last quarter)
Short Term Debt = 14.86b EUR (from shortLongTermDebt, last quarter)
Debt = 151.49b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -2.16b EUR (from netDebt column, last fiscal year)
Enterprise Value = 67.60b EUR (64.12b + Debt 151.49b - CCE 148.01b)
Interest Coverage Ratio = 0.21 (Ebit TTM 6.37b / Interest Expense TTM 30.16b)
FCF Yield = -43.06% (FCF TTM -29.11b / Enterprise Value 67.60b)
FCF Margin = -74.90% (FCF TTM -29.11b / Revenue TTM 38.87b)
Net Margin = 15.73% (Net Income TTM 6.11b / Revenue TTM 38.87b)
Gross Margin = 37.18% ((Revenue TTM 38.87b - Cost of Revenue TTM 24.42b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 3.59%)
Tobins Q-Ratio = 0.05 (Enterprise Value 67.60b / Total Assets 1391.25b)
Interest Expense / Debt = 4.66% (Interest Expense 7.05b / Debt 151.49b)
Taxrate = 25.60% (626.0m / 2.44b)
NOPAT = 4.74b (EBIT 6.37b * (1 - 25.60%))
Current Ratio = 0.30 (Total Current Assets 254.96b / Total Current Liabilities 862.10b)
Debt / Equity = 1.96 (Debt 151.49b / totalStockholderEquity, last quarter 77.38b)
Debt / EBITDA = -0.29 (Net Debt -2.16b / EBITDA 7.36b)
Debt / FCF = 0.07 (negative FCF - burning cash) (Net Debt -2.16b / FCF TTM -29.11b)
Total Stockholder Equity = 77.90b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.44% (Net Income 6.11b / Total Assets 1391.25b)
RoE = 7.85% (Net Income TTM 6.11b / Total Stockholder Equity 77.90b)
RoCE = 3.32% (EBIT 6.37b / Capital Employed (Equity 77.90b + L.T.Debt 113.77b))
RoIC = 2.23% (NOPAT 4.74b / Invested Capital 212.58b)
WACC = 5.36% (E(64.12b)/V(215.61b) * Re(9.84%) + D(151.49b)/V(215.61b) * Rd(4.66%) * (1-Tc(0.26)))
Discount Rate = 9.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.56%
Fair Price DCF = unknown (Cash Flow -29.11b)
EPS Correlation: 3.48 | EPS CAGR: 6.43% | SUE: 0.68 | # QB: 0
Revenue Correlation: 42.49 | Revenue CAGR: 10.54% | SUE: 0.03 | # QB: 0
Additional Sources for DB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle