DB Stock Analysis: Deutsche Bank | NYSE
Banks - Regional | NYSE, USA | Market Cap: 68.090m USD | 12M Return: 16.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 67.8M
EPS Trend: 67.4%
Qual. Beats: -1
Rev. Trend: 15.6%
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 AG is a Frankfurt-based global banking and financial services company founded in 1870. It operates through four main segments: Corporate Bank, Investment Bank, Private Bank, and Asset Management, serving clients in Germany, the rest of Europe, the Americas, the Asia-Pacific region, the Middle East, and Africa.
The Corporate Bank provides cash management, trade finance, lending, and securities services to corporate clients, while the Investment Bank offers financing, trading in foreign exchange, rates, emerging markets, and credit, as well as mergers and acquisitions advisory and capital markets activities. The Private Bank serves retail and wealth management customers with payment, credit, deposit, and investment products, and the Asset Management segment offers active and passive investment products, including the Xtrackers ETF range, along with alternatives in private equity, private credit, real estate, and infrastructure.
As a large-cap stock listed on the NYSE under the ticker DB, Deutsche Bank follows a universal banking model, combining commercial and investment banking activities under one roof. It is classified within the Diversified Capital Markets sub-industry of the Financials sector.
- Investment Bank fixed income trading revenue drives quarterly earnings volatility
- ECB rate cuts pressure net interest margins across lending books
- Cost reduction targets and buyback execution support capital returns
| 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: -971.7% < 20% (prev -966.2%; Δ -5.49% < -1%) |
| CFO/TA 0.03 > 3% & CFO 47.1b > Net Income 7.08b |
| Net Debt (-226b) to EBITDA (12.7b): -17.70 < 3 |
| Current Ratio: 0.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.96b) vs 12m ago -2.06% < -2% |
| Gross Margin: 57.39% > 18% (prev 44.24%; Δ 13.15% > 0.5%) |
| Asset Turnover: 3.66% > 50% (prev 4.62%; Δ -0.96% > 0%) |
| Interest Coverage Ratio: 0.36 > 6 (EBIT TTM 9.93b / 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 9.93b / 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 53.1b/65.4b) |
| GMI: 0.77 (GM 44.24% / 57.39%) |
| AQI: 0.88 (AQ_t 0.75 / AQ_t-1 0.85) |
| SGI: 0.81 (Revenue 53.1b / 65.4b) |
| TATA: -0.03 (NI 7.08b - CFO 47.1b) / TA 1483b) |
| Beneish M = -4.19 (Cap -4..+1) = AAA |
As of July 28, 2026, the stock is trading at USD 35.50 with a total of 1,515,725 shares traded. Over the past week, the price has changed by +2.33%, over one month by +5.00%, over three months by +18.48% and over the past year by +16.15%.
Current recommended Stop Loss: 34.20 (which is 3.7% or 1.4 ATR below the current price).
Deutsche Bank has no consensus analysts rating.
| Analysts Target Price | 41.5 | 16.8% |
P/E Trailing = 9.8315
P/E Forward = 9.3809
P/S = 2.283
P/B = 0.7617
P/EG = 1.7377
Revenue TTM = 53.1b USD
EBIT TTM = 9.93b USD
EBITDA TTM = 12.7b USD
Long Term Debt = 113b USD (from longTermDebt, last quarter)
Short Term Debt = 26.5b USD (from shortTermDebt, last quarter)
Debt = 144b USD (from shortLongTermDebtTotal, last quarter) + Leases 4.19b
Net Debt = -226b USD (calculated: Debt 144b - CCE 369b)
Enterprise Value = 68.1b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.36 (Ebit TTM 9.93b / Interest Expense TTM 27.6b)
EV/FCF = 1.46x (Enterprise Value 68.1b / FCF TTM 46.6b)
FCF Yield = 68.47% (FCF TTM 46.6b / Enterprise Value 68.1b)
FCF Margin = 87.77% (FCF TTM 46.6b / Revenue TTM 53.1b)
Net Margin = 13.33% (Net Income TTM 7.08b / Revenue TTM 53.1b)
Gross Margin = 57.39% ((Revenue TTM 53.1b - Cost of Revenue TTM 22.6b) / Revenue TTM)
Gross Margin QoQ = 53.29% (prev 94.89%)
Tobins Q-Ratio = 0.05 (Enterprise Value 68.1b / Total Assets 1483b)
Interest Expense / Debt = 19.16% (Interest Expense 27.6b / Debt 144b)
Taxrate = 26.51% (2.63b / 9.93b)
NOPAT = 7.30b (EBIT 9.93b * (1 - 26.51%))
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 = -17.70 (Net Debt -226b / EBITDA 12.7b)
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 9.93b / Capital Employed (Equity 77.6b + L.T.Debt 113b))
RoIC = 1.17% (NOPAT 7.30b / Invested Capital 621b)
WACC = 12.68% (E(68.1b)/V(212b) * Re(9.72%) + D(144b)/V(212b) * Rd(19.16%) * (1-Tc(0.27)))
Discount Rate = 9.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -87.02 | Cagr: -2.96%
[DCF] Terminal Value 61.85% ; FCFF base≈46.6b ; Y1≈46.8b ; Y5≈49.6b
[DCF] Fair Price = 350.2 (EV 444b - Net Debt -226b = Equity 670b / Shares 1.91b; r=12.68% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 67.38 | EPS CAGR: 8.91% | SUE: -1.68 | # QB: -1
Revenue Correlation: 15.59 | Revenue CAGR: 1.84% | SUE: 0.59 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.91 | Chg30d=-7.64% | Revisions=-25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=1.10 | Chg30d=-1.64% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=3.84 | Chg30d=-9.76% | Revisions=-25% | GrowthEPS=+0.0% | GrowthRev=+2.9%
EPS next Year (2027-12-31): EPS=4.75 | Chg30d=-12.27% | Revisions=+25% | GrowthEPS=+24.0% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: -29% (up=1, down=3)