DBK Stock Analysis: Deutsche Bank | XETRA
Banks - Regional | XETRA, Germany | Market Cap: 56.677m EUR | 12M Return: 34.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 151M
EPS Trend: 59.8%
Qual. Beats: 0
Rev. Trend: 42.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 7.08b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 5.20 > 1.0 |
| NWC/Revenue: -861.6% < 20% (prev -1.14k%; Δ 273.7% < -1%) |
| CFO/TA 0.03 > 3% & CFO 47.1b > Net Income 7.08b |
| Net Debt (-226b) to EBITDA (12.8b): -17.68 < 3 |
| Current Ratio: 0.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.96b) vs 12m ago -2.06% < -2% |
| Gross Margin: 51.06% > 18% (prev 68.97%; Δ -17.91% > 0.5%) |
| Asset Turnover: 4.13% > 50% (prev 3.93%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 0.36 > 6 (EBIT TTM 9.95b / Interest Expense TTM 27.6b) |
| A: -0.35 (Total Current Assets 369b - Total Current Liabilities 885b) / Total Assets 1483b |
| B: 0.02 (Retained Earnings 30.1b / Total Assets 1483b) |
| C: 0.01 (EBIT TTM 9.95b / Avg Total Assets 1450b) |
| D: 0.06 (Book Value of Equity 78.0b / Total Liabilities 1403b) |
| Altman-Z'' = -2.11 = D |
| DSRI: 0.10 (Receivables 6.00m/1.75b, Revenue 59.9b/55.7b) |
| GMI: 1.35 (GM 68.97% / 51.06%) |
| AQI: 0.88 (AQ_t 0.75 / AQ_t-1 0.85) |
| SGI: 1.08 (Revenue 59.9b / 55.7b) |
| TATA: -0.03 (NI 7.08b - CFO 47.1b) / TA 1483b) |
| Beneish M = -3.47 (Cap -4..+1) = AA |
As of July 07, 2026, the stock is trading at EUR 32.30 with a total of 3,852,866 shares traded. Over the past week, the price has changed by +9.38%, over one month by +18.25%, over three months by +30.60% and over the past year by +34.81%.
Current recommended Stop Loss: 31.00 (which is 4% or 1.6 ATR below the current price).
Deutsche Bank has no consensus analysts rating.
P/E Trailing = 9.375
P/E Forward = 8.8968
P/S = 1.9003
P/B = 0.7241
P/EG = 1.6469
Revenue TTM = 59.9b EUR
EBIT TTM = 9.95b EUR
EBITDA TTM = 12.8b EUR
Long Term Debt = 113b EUR (from longTermDebt, last quarter)
Short Term Debt = 26.5b EUR (from shortTermDebt, last quarter)
Debt = 144b EUR (from shortLongTermDebtTotal, last quarter) + Leases 4.19b
Net Debt = -226b EUR (calculated: Debt 144b - CCE 369b)
Enterprise Value = 56.7b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.36 (Ebit TTM 9.95b / Interest Expense TTM 27.6b)
EV/FCF = 1.22x (Enterprise Value 56.7b / FCF TTM 46.6b)
FCF Yield = 82.26% (FCF TTM 46.6b / Enterprise Value 56.7b)
FCF Margin = 77.82% (FCF TTM 46.6b / Revenue TTM 59.9b)
Net Margin = 11.82% (Net Income TTM 7.08b / Revenue TTM 59.9b)
Gross Margin = 51.06% ((Revenue TTM 59.9b - Cost of Revenue TTM 29.3b) / Revenue TTM)
Gross Margin QoQ = 53.29% (prev 51.23%)
Tobins Q-Ratio = 0.04 (Enterprise Value 56.7b / Total Assets 1483b)
Interest Expense / Debt = 19.16% (Interest Expense 27.6b / Debt 144b)
Taxrate = 26.48% (2.63b / 9.95b)
NOPAT = 7.31b (EBIT 9.95b * (1 - 26.48%))
Current Ratio = 0.42 (Total Current Assets 369b / Total Current Liabilities 885b)
Debt / Equity = 1.84 (Debt 144b / totalStockholderEquity, last quarter 78.0b)
Debt / EBITDA = -17.68 (Net Debt -226b / EBITDA 12.8b)
Debt / FCF = -4.84 (Net Debt -226b / FCF TTM 46.6b)
Total Stockholder Equity = 77.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.49% (Net Income 7.08b / Total Assets 1483b)
RoE = 9.12% (Net Income TTM 7.08b / Total Stockholder Equity 77.6b)
RoCE = 5.21% (EBIT 9.95b / Capital Employed (Equity 77.6b + L.T.Debt 113b))
RoIC = 1.18% (NOPAT 7.31b / Invested Capital 621b)
WACC = 12.68% (E(56.7b)/V(201b) * Re(9.11%) + D(144b)/V(201b) * Rd(19.16%) * (1-Tc(0.26)))
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -80.90 | Cagr: -2.96%
[DCF] Terminal Value 61.84% ; FCFF base≈46.6b ; Y1≈46.8b ; Y5≈49.6b
[DCF] Fair Price = 350.1 (EV 444b - Net Debt -226b = Equity 670b / Shares 1.91b; r=12.68% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 59.85 | EPS CAGR: 11.43% | SUE: 0.17 | # QB: 0
Revenue Correlation: 42.41 | Revenue CAGR: 4.39% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.76 | Chg30d=-2.21% | Revisions=-29% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.91 | Chg30d=+2.62% | Revisions=-29% | Analysts=3
EPS current Year (2026-12-31): EPS=3.35 | Chg30d=-0.03% | Revisions=-42% | GrowthEPS=+4.9% | GrowthRev=+2.6%
EPS next Year (2027-12-31): EPS=3.88 | Chg30d=-0.02% | Revisions=-42% | GrowthEPS=+15.7% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: -48% (up=6, down=20)