(DBK) Deutsche Bank - Ratings and Ratios
Corporate Banking, Investment Banking, Private Banking, Asset Management
DBK EPS (Earnings per Share)
DBK Revenue
Description: DBK Deutsche Bank September 26, 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. The Corporate Bank delivers risk-management tools, cash-management, trade-finance, lending, trust, agency, and securities services; the Investment Bank focuses on debt origination, M&A advisory, FX, and equity-capital-markets execution; the Private Bank provides payment, credit, deposit, and ESG-focused investment advice alongside broader wealth-management and postal services; the Asset Management arm offers alternative-investment vehicles (real-estate, infrastructure, liquid real assets, sustainable funds) plus insurance, pension, ALM, and portfolio-allocation solutions for institutional and retail clients.
As of the latest FY 2024 reporting, Deutsche Bank posted a CET1 ratio of 13.5 % (vs 13.0 % a year earlier), a net profit of €2.9 bn, and a return on equity (ROE) of 7.8 %-still below the German DAX-average ROE of roughly 10 % but reflecting a modest recovery from the 2022-23 downturn. The bank’s cost-to-income ratio improved to 71 % after a 2023 restructuring, and its loan-to-deposit ratio sits near 85 %, indicating a balanced funding profile. These metrics are publicly disclosed but subject to revision pending the upcoming Q3 2025 earnings release.
Key macro-drivers for DBK include the European Central Bank’s monetary-policy stance (interest-rate trajectory directly impacts net-interest-margin), the pace of Germany’s economic growth (GDP growth forecast of 0.3 % in 2025, per the IMF), and the ongoing digital-banking transformation, which is compressing margins in traditional retail banking while opening fee-based revenue streams in wealth-tech. Additionally, regulatory capital requirements and the bank’s exposure to sovereign-risk-weighted assets in the Eurozone remain material risk factors.
For a deeper quantitative assessment, the ValueRay platform provides granular, comparable metrics that can help you test these assumptions and refine your valuation outlook.
DBK Stock Overview
| Market Cap in USD | 69,116m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
DBK Stock Ratings
| Growth Rating | 94.2% |
| Fundamental | 37.3% |
| Dividend Rating | 71.0% |
| Return 12m vs S&P 500 | 68.7% |
| Analyst Rating | - |
DBK Dividends
| Dividend Yield 12m | 2.16% |
| Yield on Cost 5y | 8.88% |
| Annual Growth 5y | 50.00% |
| Payout Consistency | 78.2% |
| Payout Ratio | 25.6% |
DBK Growth Ratios
| Growth Correlation 3m | -48.6% |
| Growth Correlation 12m | 96.1% |
| Growth Correlation 5y | 76.9% |
| CAGR 5y | 49.53% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.61 |
| CAGR/Mean DD 3y (Pain Ratio) | 6.70 |
| Sharpe Ratio 12m | 2.39 |
| Alpha | 85.76 |
| Beta | 0.984 |
| Volatility | 32.29% |
| Current Volume | 5476.7k |
| Average Volume 20d | 4589.9k |
| Stop Loss | 30.4 (-3.2%) |
| Signal | 0.94 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (5.42b TTM) > 0 and > 6% of Revenue (6% = 2.27b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -2.46pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1684 % (prev 992.5%; Δ -2676 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 5.42b (YES >=105%, WARN >=100%) |
| Net Debt (-7.90b) to EBITDA (9.61b) ratio: -0.82 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (2.01b) change vs 12m ago -0.96% (target <= -2.0% for YES) |
| Gross Margin 81.47% (prev 58.61%; Δ 22.85pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.73% (prev 3.42%; Δ -0.69pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.50 (EBITDA TTM 9.61b / Interest Expense TTM 32.21b) >= 6 (WARN >= 3) |
Altman Z'' -2.99
| (A) -0.46 = (Total Current Assets 187.21b - Total Current Liabilities 824.60b) / Total Assets 1397.83b |
| (B) 0.02 = Retained Earnings (Balance) 24.90b / Total Assets 1397.83b |
| (C) -0.01 = EBIT TTM -16.14b / Avg Total Assets 1388.96b |
| (D) 0.02 = Book Value of Equity 26.18b / Total Liabilities 1319.98b |
| Total Rating: -2.99 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 37.33
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield data missing |
| 3. FCF Margin -76.90% = -7.50 |
| 4. Debt/Equity 1.78 = 1.09 |
| 5. Debt/Ebitda -0.82 = 2.50 |
| 6. ROIC - WACC (= -11.06)% = -12.50 |
| 7. RoE 7.01% = 0.58 |
| 8. Rev. Trend 47.26% = 3.54 |
| 9. EPS Trend 2.17% = 0.11 |
What is the price of DBK shares?
Over the past week, the price has changed by +7.75%, over one month by +3.75%, over three months by +8.20% and over the past year by +104.77%.
Is Deutsche Bank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of DBK is around 41.56 EUR . This means that DBK is currently undervalued and has a potential upside of +32.31% (Margin of Safety).
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 | 31.2 | -0.8% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 45.1 | 43.7% |
DBK Fundamental Data Overview January 01, 1970
Market Cap EUR = 59.97b (59.97b EUR * 1.0 EUR.EUR)
P/E Trailing = 12.4044
P/E Forward = 9.4607
P/S = 2.0083
P/B = 0.7633
P/EG = 0.5285
Beta = 0.984
Revenue TTM = 37.86b EUR
EBIT TTM = -16.14b EUR
EBITDA TTM = 9.61b EUR
Long Term Debt = 218.60b EUR (from longTermDebt, last quarter)
Short Term Debt = 22.46b EUR (from shortTermDebt, last quarter)
Debt = 135.99b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -7.90b EUR (from netDebt column, last quarter)
Enterprise Value = 10.49b EUR (59.97b + Debt 135.99b - CCE 185.48b)
Interest Coverage Ratio = -0.50 (Ebit TTM -16.14b / Interest Expense TTM 32.21b)
FCF Yield = -277.6% (FCF TTM -29.11b / Enterprise Value 10.49b)
FCF Margin = -76.90% (FCF TTM -29.11b / Revenue TTM 37.86b)
Net Margin = 14.31% (Net Income TTM 5.42b / Revenue TTM 37.86b)
Gross Margin = 81.47% ((Revenue TTM 37.86b - Cost of Revenue TTM 7.02b) / Revenue TTM)
Gross Margin QoQ = 49.23% (prev 100.0%)
Tobins Q-Ratio = 0.01 (Enterprise Value 10.49b / Total Assets 1397.83b)
Interest Expense / Debt = 5.30% (Interest Expense 7.21b / Debt 135.99b)
Taxrate = 28.42% (688.0m / 2.42b)
NOPAT = -11.55b (EBIT -16.14b * (1 - 28.42%)) [loss with tax shield]
Current Ratio = 0.23 (Total Current Assets 187.21b / Total Current Liabilities 824.60b)
Debt / Equity = 1.78 (Debt 135.99b / totalStockholderEquity, last quarter 76.39b)
Debt / EBITDA = -0.82 (Net Debt -7.90b / EBITDA 9.61b)
Debt / FCF = 0.27 (negative FCF - burning cash) (Net Debt -7.90b / FCF TTM -29.11b)
Total Stockholder Equity = 77.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.39% (Net Income 5.42b / Total Assets 1397.83b)
RoE = 7.01% (Net Income TTM 5.42b / Total Stockholder Equity 77.28b)
RoCE = -5.46% (EBIT -16.14b / Capital Employed (Equity 77.28b + L.T.Debt 218.60b))
RoIC = -5.48% (negative operating profit) (NOPAT -11.55b / Invested Capital 210.82b)
WACC = 5.58% (E(59.97b)/V(195.96b) * Re(9.64%) + D(135.99b)/V(195.96b) * Rd(5.30%) * (1-Tc(0.28)))
Discount Rate = 9.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -2.08%
Fair Price DCF = unknown (Cash Flow -29.11b)
EPS Correlation: 2.17 | EPS CAGR: 8.45% | SUE: 1.01 | # QB: 1
Revenue Correlation: 47.26 | Revenue CAGR: 32.59% | SUE: 0.67 | # QB: 0