DBK Stock Analysis: Deutsche Bank | XETRA
Banks - Regional | XETRA, Germany | Market Cap: 56.098m EUR | 12M Return: 2.9% | DE0005140008 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 171M
EPS Trend: 70.8%
Qual. Beats: 0
Rev. Trend: 17.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 (DBK) is a Frankfurt-headquartered German universal bank incorporated in 1870. It operates through four segments: Corporate Bank (cash management, trade finance, and securities services), Investment Bank (financing, sales and trading, M&A advisory, and capital markets), Private Bank (payment, credit, deposit, wealth management, and postal/parcel services), and Asset Management (active, passive, and alternative investment products, including the Xtrackers ETF range). The bank serves corporate, institutional, and retail clients across Germany, the United Kingdom, the rest of Europe, the Americas, Asia-Pacific, the Middle East, and Africa.
As a large-cap European universal bank, Deutsche Bank combines retail, commercial, and investment banking activities under one entity, a business model that allows it to cross-sell services across client segments but also exposes it to a broad range of regulatory capital and liquidity requirements.
- Investment Bank FICC revenues swing on rates volatility and client flow
- ECB rate cuts compress net interest margin across European lending books
- Asset Management fees accelerate on Xtrackers passive and alternatives inflows
| 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 |
| DSRI: 0.10 (Receivables 6.00m/1.74b, Revenue 61.2b/54.1b) |
| GMI: 1.36 (GM 71.72% / 52.65%) |
| AQI: 1.06 (AQ_t 0.91 / AQ_t-1 0.86) |
| SGI: 1.13 (Revenue 61.2b / 54.1b) |
| TATA: -0.03 (NI 7.74b - CFO 47.1b) / TA 1526b) |
| Beneish M = -3.32 (Cap -4..+1) = AA |
As of October 13, 2026, the stock is trading at EUR 30.29 with a total of 2,265,666 shares traded. Over the past week, the price has changed by -3.16%, over one month by -11.30%, over three months by -2.29% and over the past year by +2.94%.
Current recommended Stop Loss: 28.70 (which is 5.2% or 1.9 ATR below the current price).
Deutsche Bank has no consensus analysts rating.
P/E Trailing = 9.0745
P/E Forward = 8.5251
P/S = 1.8414
P/B = 0.7781
P/EG = 1.5782
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 = 80.7b EUR (56.1b + Debt 157b - CCE 132b)
Interest Coverage Ratio = 0.40 (Ebit TTM 10.9b / Interest Expense TTM 27.2b)
EV/FCF = 1.73x (Enterprise Value 80.7b / FCF TTM 46.6b)
FCF Yield = 57.76% (FCF TTM 46.6b / Enterprise Value 80.7b)
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 = 0.05 (Enterprise Value 80.7b / 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 = 11.56% (E(56.1b)/V(213b) * Re(8.33%) + D(157b)/V(213b) * Rd(17.36%) * (1-Tc(0.27)))
Discount Rate = 8.33% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -92.94 | Cagr: -2.70%
[DCF] Terminal Value 65.06% ; FCFF base≈46.6b ; Y1≈46.8b ; Y5≈49.6b
[DCF] Fair Price = 252.5 (EV 499b - Net Debt 24.6b = Equity 474b / Shares 1.88b; r=11.56% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 70.81 | EPS CAGR: 15.63% | SUE: 0.67 | # QB: 0
Revenue Correlation: 17.50 | Revenue CAGR: 1.14% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.81 | Chg30d=-2.05% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=3.30 | Chg30d=-0.19% | Revisions=-17% | GrowthEPS=+3.3% | GrowthRev=+3.8%
EPS next Year (2027-12-31): EPS=3.84 | Chg30d=+0.29% | Revisions=-17% | GrowthEPS=+16.2% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -36% (up=2, down=6)