(DBK) Deutsche Bank - Ratings and Ratios
Banking, Investment, Advisory, Wealth, Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.06% |
| Yield on Cost 5y | 8.79% |
| Yield CAGR 5y | 50.00% |
| Payout Consistency | 75.0% |
| Payout Ratio | 25.5% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 30.1% |
| Value at Risk 5%th | 45.6% |
| Relative Tail Risk | -7.85% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.09 |
| Alpha | 100.36 |
| CAGR/Max DD | 1.48 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.521 |
| Beta | 0.402 |
| Beta Downside | 0.607 |
| Drawdowns 3y | |
|---|---|
| Max DD | 30.79% |
| Mean DD | 7.56% |
| Median DD | 5.22% |
Description: DBK Deutsche Bank December 02, 2025
Deutsche Bank AG (XETRA:DBK) is a diversified financial services group operating through four main segments: Corporate Bank, Investment Bank, Private Bank, and Asset Management, serving clients across Europe, the Middle East, Africa, the Americas, and Asia-Pacific.
The Corporate Bank delivers risk-management, cash-management, trade finance, lending, trust, agency, and securities services, while the Investment Bank focuses on debt origination, M&A advisory, FX, and equity underwriting. The Private Bank provides payment, credit, deposit, and ESG-focused wealth-management solutions, and the Asset Management arm offers alternative assets (real estate, infrastructure, liquid real assets) alongside sustainable investment products and pension solutions.
Key recent metrics (as of FY 2023) include a CET1 capital ratio of 13.5 % (well above the 10.5 % regulatory minimum), a cost-to-income ratio of 71 % reflecting ongoing efficiency drives, and a net profit of €2.1 bn, up 12 % YoY on the back of higher trading revenues and improved credit-risk provisions. The bank’s return on equity (ROE) sits around 9 %, modest relative to peers, indicating room for margin expansion if interest-rate spreads remain supportive.
Sector drivers that will likely shape DBK’s performance are the European Central Bank’s policy stance-higher policy rates can boost net interest margins but also increase funding costs-and the ongoing regulatory emphasis on capital adequacy and ESG disclosure, which may benefit the bank’s sustainable-finance product line. Additionally, macro-economic trends in Germany, such as corporate investment cycles and the health of the Mittelstand, are critical for the Corporate Bank’s loan growth.
For a deeper quantitative breakdown, the ValueRay platform provides granular metrics on DBK’s valuation multiples and risk profile, which can help you assess the stock’s upside potential.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (5.73b TTM) > 0 and > 6% of Revenue (6% = 3.28b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -2.47pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1110 % (prev 821.1%; Δ -1931 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 5.73b (YES >=105%, WARN >=100%) |
| Net Debt (70.70b) to EBITDA (5.84b) ratio: 12.11 <= 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 (1.91b) change vs 12m ago -5.69% (target <= -2.0% for YES) |
| Gross Margin 55.35% (prev 64.99%; Δ -9.65pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.95% (prev 4.13%; Δ -0.19pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.61 (EBITDA TTM 5.84b / Interest Expense TTM 30.16b) >= 6 (WARN >= 3) |
Altman Z'' -2.86
| (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) -0.01 = EBIT TTM -18.32b / Avg Total Assets 1385.67b |
| (D) 0.02 = Book Value of Equity 31.58b / Total Liabilities 1313.87b |
| Total Rating: -2.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 25.07
| 1. Piotroski 3.0pt |
| 2. FCF Yield -21.06% |
| 3. FCF Margin -53.24% |
| 4. Debt/Equity 2.90 |
| 5. Debt/Ebitda 12.11 |
| 6. ROIC - WACC (= -9.87)% |
| 7. RoE 7.36% |
| 8. Rev. Trend 44.16% |
| 9. EPS Trend 21.98% |
What is the price of DBK shares?
Over the past week, the price has changed by +4.35%, over one month by +10.34%, over three months by +6.61% and over the past year by +104.26%.
Is DBK a buy, sell or hold?
What are the forecasts/targets for the DBK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 31.3 | -5.2% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 46.6 | 41.2% |
DBK Fundamental Data Overview December 21, 2025
Market Cap EUR = 61.89b (61.89b EUR * 1.0 EUR.EUR)
P/E Trailing = 12.8008
P/E Forward = 9.5602
P/S = 2.0726
P/B = 0.785
P/EG = 0.4731
Beta = 1.023
Revenue TTM = 54.69b EUR
EBIT TTM = -18.32b EUR
EBITDA TTM = 5.84b EUR
Long Term Debt = 230.03b EUR (from longTermDebt, last quarter)
Short Term Debt = 14.86b EUR (from shortLongTermDebt, last quarter)
Debt = 224.35b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 70.70b EUR (from netDebt column, last fiscal year)
Enterprise Value = 138.23b EUR (61.89b + Debt 224.35b - CCE 148.01b)
Interest Coverage Ratio = -0.61 (Ebit TTM -18.32b / Interest Expense TTM 30.16b)
FCF Yield = -21.06% (FCF TTM -29.11b / Enterprise Value 138.23b)
FCF Margin = -53.24% (FCF TTM -29.11b / Revenue TTM 54.69b)
Net Margin = 10.48% (Net Income TTM 5.73b / Revenue TTM 54.69b)
Gross Margin = 55.35% ((Revenue TTM 54.69b - Cost of Revenue TTM 24.42b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 49.23%)
Tobins Q-Ratio = 0.10 (Enterprise Value 138.23b / Total Assets 1391.25b)
Interest Expense / Debt = 3.14% (Interest Expense 7.05b / Debt 224.35b)
Taxrate = 25.60% (626.0m / 2.44b)
NOPAT = -13.63b (EBIT -18.32b * (1 - 25.60%)) [loss with tax shield]
Current Ratio = 0.30 (Total Current Assets 254.96b / Total Current Liabilities 862.10b)
Debt / Equity = 2.90 (Debt 224.35b / totalStockholderEquity, last quarter 77.38b)
Debt / EBITDA = 12.11 (Net Debt 70.70b / EBITDA 5.84b)
Debt / FCF = -2.43 (negative FCF - burning cash) (Net Debt 70.70b / FCF TTM -29.11b)
Total Stockholder Equity = 77.90b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.41% (Net Income 5.73b / Total Assets 1391.25b)
RoE = 7.36% (Net Income TTM 5.73b / Total Stockholder Equity 77.90b)
RoCE = -5.95% (EBIT -18.32b / Capital Employed (Equity 77.90b + L.T.Debt 230.03b))
RoIC = -6.41% (negative operating profit) (NOPAT -13.63b / Invested Capital 212.58b)
WACC = 3.45% (E(61.89b)/V(286.24b) * Re(7.50%) + D(224.35b)/V(286.24b) * Rd(3.14%) * (1-Tc(0.26)))
Discount Rate = 7.50% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -4.45%
Fair Price DCF = unknown (Cash Flow -29.11b)
EPS Correlation: 21.98 | EPS CAGR: 38.51% | SUE: 1.05 | # QB: 1
Revenue Correlation: 44.16 | Revenue CAGR: 2.97% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.07 | Chg30d=+0.008 | Revisions Net=+0 | Analysts=2
EPS next Year (2026-12-31): EPS=3.37 | Chg30d=+0.054 | Revisions Net=+4 | Growth EPS=+11.9% | Growth Revenue=+2.9%