DBK Stock Analysis: Deutsche Bank | XETRA
Banks - Regional | XETRA, Germany | Market Cap: 59.865m EUR | 12M Return: 15% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 131M
EPS Trend: 70.8%
Qual. Beats: 0
Rev. Trend: 17.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Deutsche Bank Aktiengesellschaft is a German universal bank headquartered in Frankfurt am Main, founded in 1870. The company is listed on the Frankfurt Stock Exchange (XETRA) under the ticker DBK and operates across Germany, the UK, the rest of Europe, the Americas, Asia-Pacific, the Middle East, and Africa.
The bank runs four main divisions. The Corporate Bank provides cash management, trade finance, lending, trust, and securities services to corporate clients. The Investment Bank offers advisory, capital markets, sales, trading, and financing across fixed income, currencies, emerging markets, credit, equities, and mergers and acquisitions. The Private Bank serves retail and wealthy customers with payment, credit, deposit, investment, and wealth management services, including postal and parcel banking. Asset Management provides active and passive investment products, including the Xtrackers ETF range, plus private equity, private credit, real estate, and infrastructure offerings.
As a German universal bank, Deutsche Bank combines commercial and investment banking activities under one entity, a structure common across the European banking sector but prohibited in some other jurisdictions such as the United States. The GICS classification places it within Regional Banks, reflecting its diversified retail and wholesale operations centered on the German and European market.
- Investment Bank FICC and advisory fees drive revenue volatility
- ECB rate cuts pressure net interest margins on loans
- Cost reduction program targets improved cost-income ratio
| Net Income: 7.74b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 5.14 > 1.0 |
| NWC/Revenue: -1.23k% < 20% (prev -1.18k%; Δ -54.59% < -1%) |
| CFO/TA 0.03 > 3% & CFO 47.1b > Net Income 7.74b |
| Net Debt (24.6b) to EBITDA (13.7b): 1.80 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.94b) vs 12m ago -3.56% < -2% |
| Gross Margin: 52.65% > 18% (prev 71.72%; Δ -19.07% > 0.5%) |
| Asset Turnover: 4.18% > 50% (prev 3.87%; Δ 0.31% > 0%) |
| Interest Coverage Ratio: 0.40 > 6 (EBIT TTM 10.9b / Interest Expense TTM 27.2b) |
| A: -0.49 (Total Current Assets 132b - Total Current Liabilities 885b) / Total Assets 1526b |
| B: 0.02 (Retained Earnings 31.3b / Total Assets 1526b) |
| C: 0.01 (EBIT TTM 10.9b / Avg Total Assets 1462b) |
| D: 0.05 (Book Value of Equity 68.6b / Total Liabilities 1456b) |
| Altman-Z'' = -3.07 = D |
As of August 04, 2026, the stock is trading at EUR 32.20 with a total of 5,832,933 shares traded. Over the past week, the price has changed by +3.92%, over one month by +1.15%, over three months by +28.59% and over the past year by +14.95%.
Current recommended Stop Loss: 30.80 (which is 4.3% or 1.6 ATR below the current price).
Deutsche Bank has no consensus analysts rating.
P/E Trailing = 9.6839
P/E Forward = 9.5057
P/S = 1.965
P/B = 0.7453
P/EG = 1.7598
Revenue TTM = 61.2b EUR
EBIT TTM = 10.9b EUR
EBITDA TTM = 13.7b EUR
Long Term Debt = 111b EUR (from longTermDebt, last quarter)
Short Term Debt = 28.5b EUR (from shortTermDebt, last quarter)
Debt = 157b EUR (from shortLongTermDebtTotal, last quarter) + Leases 4.19b
Net Debt = 24.6b EUR (calculated: Debt 157b - CCE 132b)
Enterprise Value = 84.5b EUR (59.9b + Debt 157b - CCE 132b)
Interest Coverage Ratio = 0.40 (Ebit TTM 10.9b / Interest Expense TTM 27.2b)
EV/FCF = 1.81x (Enterprise Value 84.5b / FCF TTM 46.6b)
FCF Yield = 55.19% (FCF TTM 46.6b / Enterprise Value 84.5b)
FCF Margin = 76.21% (FCF TTM 46.6b / Revenue TTM 61.2b)
Net Margin = 12.65% (Net Income TTM 7.74b / Revenue TTM 61.2b)
Gross Margin = 52.65% ((Revenue TTM 61.2b - Cost of Revenue TTM 29.0b) / Revenue TTM)
Gross Margin QoQ = 55.34% (prev 53.29%)
Tobins Q-Ratio = 0.06 (Enterprise Value 84.5b / Total Assets 1526b)
Interest Expense / Debt = 17.36% (Interest Expense 27.2b / Debt 157b)
Taxrate = 26.75% (2.91b / 10.9b)
NOPAT = 7.98b (EBIT 10.9b * (1 - 26.75%))
Current Ratio = 0.15 (Total Current Assets 132b / Total Current Liabilities 885b)
Debt / Equity = 2.28 (Debt 157b / totalStockholderEquity, last quarter 68.6b)
Debt / EBITDA = 1.80 (Net Debt 24.6b / EBITDA 13.7b)
Debt / FCF = 0.53 (Net Debt 24.6b / FCF TTM 46.6b)
Total Stockholder Equity = 75.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 7.74b / Total Assets 1526b)
RoE = 10.23% (Net Income TTM 7.74b / Total Stockholder Equity 75.7b)
RoCE = 5.83% (EBIT 10.9b / Capital Employed (Equity 75.7b + L.T.Debt 111b))
RoIC = 0.52% (NOPAT 7.98b / Invested Capital 1523b)
WACC = 11.57% (E(59.9b)/V(216b) * Re(8.57%) + D(157b)/V(216b) * Rd(17.36%) * (1-Tc(0.27)))
Discount Rate = 8.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -92.94 | Cagr: -2.70%
[DCF] Terminal Value 65.03% ; FCFF base≈46.6b ; Y1≈46.8b ; Y5≈49.6b
[DCF] Fair Price = 252.2 (EV 498b - Net Debt 24.6b = Equity 474b / Shares 1.88b; r=11.57% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 70.79 | EPS CAGR: 15.62% | SUE: -0.35 | # QB: 0
Revenue Correlation: 17.50 | Revenue CAGR: 1.14% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.84 | Chg30d=-8.42% | Revisions=-29% | Analysts=3
EPS current Year (2026-12-31): EPS=3.30 | Chg30d=-1.53% | Revisions=-42% | GrowthEPS=+3.2% | GrowthRev=+3.3%
EPS next Year (2027-12-31): EPS=3.80 | Chg30d=-1.95% | Revisions=-42% | GrowthEPS=+15.2% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: -48% (up=5, down=17)