Deutsche Bank AG (DB) 10-Year Financial Performance & Capital Metrics

DB • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutDeutsche Bank Aktiengesellschaft provides investment, financial, and related products and services to private individuals, corporate entities, and institutional clients worldwide. Its Corporate Bank segment provides cash management, trade finance and lending, trust and agency, foreign exchange, and securities services, as well as risk management solutions. The company's Investment Bank segment offers merger and acquisitions, and equity advisory services. This segment also focuses on financing, advisory, fixed income, risk management, sales and trading, and currencies. Its Private Bank segment provides payment and account services, and credit and deposit products, as well as investment advice, such as environmental, social, and governance products. This segment also provides wealth management, postal and parcel services, and digital offerings. The company's Asset Management segment provides investment solutions, such as alternative investments, which include real estate, infrastructure, private equity, liquid real assets, and sustainable investments; passive investments; and various services, including insurance and pension solutions, asset liability management, portfolio management solutions, asset allocation advisory, structuring, and overlay to institutions, governments, corporations and foundations, and individual investors. As of December 31, 2021, it operated 1,709 branches in 58 countries. The company was founded in 1870 and is headquartered in Frankfurt am Main, Germany.Show more

Net Interest Income $13.06B -4.0%
Total Revenue $66.34B +11.8%
Net Income $3.37B -29.5%
Return on Equity 4.36% -32.7%
Net Interest Margin 0.94% -9.1%
Efficiency Ratio 34.56% -5.4%
ROA 0.25% -30.8%
Equity / Assets 5.73% +0.4%
Book Value per Share 38.95 +9.5%
Tangible BV/Share 35.15 +9.6%
Debt/Equity 1.91 -1.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 34.6% efficiency ratio
✓Share count reduced 3.1% through buybacks
✓Trading near 52-week high
✓Trading at only 1.0x book value

✗Weaknesses

✗Weak NIM of 0.9%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y4.66%

5Y13.96%

3Y29.22%

TTM-

Profit (Net Income) CAGR

10Y7.31%

5Y-

3Y12.48%

TTM39.6%

EPS CAGR

10Y1.33%

5Y-

3Y13.78%

TTM46.34%

ROCE

10Y Avg0.14%

5Y Avg0.37%

3Y Avg0.51%

Latest0.61%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	15.58B	14.5B	12.29B	13.32B	13.75B	11.53B	11.15B	13.65B	13.6B	13.06B
NII Growth %	0.1%	-0.07%	-0.15%	0.08%	0.03%	-0.16%	-0.03%	0.22%	-0%	-0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	25.66B	24.94B	23.45B	24.72B	25.21B	17.81B	16.6B	24.3B	44.08B	49.36B
Interest Expense	10.09B	10.44B	11.16B	11.4B	11.46B	6.28B	5.45B	10.65B	30.47B	36.29B
Loan Loss Provision	987M	1.4B	533M	525M	723M	1.79B	515M	1.23B	1.5B	1.83B
Non-Interest Income+	17.81B	15.07B	13.51B	11.35B	9.3B	12.44B	14.15B	13.01B	15.27B	16.98B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	43.48B	40.01B	36.97B	36.07B	34.51B	30.25B	30.75B	37.3B	59.35B	66.34B
Revenue Growth %	0.03%	-0.08%	-0.08%	-0.02%	-0.04%	-0.12%	0.02%	0.21%	0.59%	0.12%
Non-Interest Expense	38.5B	28.98B	24.04B	22.82B	24.96B	21.16B	21.4B	19.84B	21.69B	22.93B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-6.1B	-810M	1.23B	1.33B	-2.63B	1.02B	3.39B	5.59B	5.68B	5.29B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-2.96%	0.87%	2.52%	0.08%	-2.98%	1.39%	2.32%	0.65%	0.02%	-0.07%
Pretax Income+	-6.1B	-810M	1.23B	1.33B	-2.63B	1.02B	3.39B	5.59B	5.68B	5.29B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	675M	546M	1.96B	989M	2.63B	397M	880M	-64M	787M	1.79B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-6.79B	-1.4B	-751M	267M	-5.39B	495M	2.37B	5.53B	4.77B	3.37B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-5.09%	0.79%	0.46%	1.36%	-21.19%	1.09%	3.78%	1.34%	-0.14%	-0.29%
Net Income (Continuing)	-6.77B	-1.36B	-735M	341M	-5.26B	624M	2.51B	5.66B	4.89B	3.5B
EPS (Diluted)+	-3.90	-0.90	-0.38	0.13	-2.49	0.07	0.93	2.37	2.03	1.37
EPS Growth %	-4.25%	0.77%	0.58%	1.34%	-20.15%	1.03%	12.42%	1.55%	-0.14%	-0.33%
EPS (Basic)	-3.90	-0.90	-0.38	0.13	-2.49	0.07	0.95	2.42	2.07	1.40
Diluted Shares Outstanding	1.74B	1.56B	1.97B	2.1B	2.11B	2.17B	2.14B	2.13B	2.1B	2.04B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	109.78B	192.97B	234.92B	197.61B	147.23B	175.34B	199.36B	186.09B	184.56B	153.65B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	453.47B	279.75B	278.96B	256.34B	214.67B	223.29B	165.63B	856.12B	205.95B	227.22B
Investments Growth %	0.39%	-0.38%	-0%	-0.08%	-0.16%	0.04%	-0.26%	4.17%	-0.76%	0.1%
Long-Term Investments	379.88B	227.09B	329.37B	211.35B	175.45B	173.64B	142.25B	830.67B	177.05B	192.98B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	4.89B	4.1B	3.78B	3.88B	2.88B	2.74B	2.81B	2.92B	2.85B	2.96B
Intangible Assets	5.19B	4.88B	5.06B	5.26B	4.15B	3.99B	4.02B	4.17B	4.48B	4.79B
PP&E (Net)	2.85B	2.8B	2.66B	2.42B	4.93B	5.55B	5.54B	6.1B	6.18B	6.19B
Other Assets	-120.57B	-17.15B	-103.29B	-7.23B	-5.99B	61.53B	-6.22B	-622.46B	561.89B	1.24T
Total Current Assets	1.34T	1.35T	1.23T	1.13T	1.11T	232.16B	297.53B	219.35B	213.43B	254.96B
Total Non-Current Assets	289.19B	238.87B	244.38B	222.91B	187.41B	253.5B	154.61B	228.68B	752.45B	1.45T
Total Assets+	1.63T	1.59T	1.47T	1.35T	1.3T	1.32T	1.32T	1.34T	1.31T	1.39T
Asset Growth %	-0.05%	-0.02%	-0.07%	-0.09%	-0.04%	0.02%	-0%	0.01%	-0.02%	0.06%
Return on Assets (ROA)	-0%	-0%	-0%	0%	-0%	0%	0%	0%	0%	0%
Accounts Payable	137.24B	124.73B	109.36B	93.19B	73.71B	81.55B	71.79B	85.54B	86.32B	68.87B
Total Debt+	188.03B	196.13B	178.13B	171.85B	146.45B	160.06B	156.19B	146.38B	144.22B	151.49B
Net Debt	78.24B	3.15B	-56.79B	-25.76B	-775M	-22.62B	-43.17B	-39.71B	-40.34B	-2.16B
Long-Term Debt	168.81B	178.83B	119.08B	109.28B	141.24B	93.08B	148.19B	136.79B	130.1B	137.11B
Short-Term Debt	28.01B	17.3B	18.41B	14.16B	5.22B	3.55B	4.03B	5.12B	9.62B	9.89B
Other Liabilities	-168.81B	-178.83B	-119.42B	-109.79B	0	1.17T	0	309.88B	549.14B	303.46B
Total Current Liabilities	165.25B	142.03B	127.78B	107.35B	78.92B	85.1B	75.82B	90.66B	96.58B	862.1B
Total Non-Current Liabilities	169.55B	179.32B	166.51B	158.2B	141.78B	1.26T	152.66B	451.78B	683.73B	445.65B
Total Liabilities	1.56T	1.53T	1.41T	1.28T	1.24T	1.26T	1.26T	1.26T	1.24T	1.31T
Total Equity+	67.62B	64.82B	68.1B	68.74B	57.64B	62.19B	68.03B	72.33B	74.82B	79.43B
Equity Growth %	-0.08%	-0.04%	0.05%	0.01%	-0.16%	0.08%	0.09%	0.06%	0.03%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.1%	-0.02%	-0.01%	0%	-0.09%	0.01%	0.04%	0.08%	0.06%	0.04%
Book Value per Share	38.81	41.68	34.61	32.70	27.32	28.66	31.74	34.03	35.56	38.95
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	3.53B	3.53B	5.29B	5.29B	5.29B	5.29B	5.29B	5.29B	5.22B	5.11B
Additional Paid-in Capital	33.57B	33.77B	39.92B	40.25B	40.51B	40.61B	40.58B	40.51B	40.19B	39.74B
Retained Earnings	21.18B	18.99B	17.45B	16.71B	9.64B	10.01B	12.61B	17.8B	21.32B	23.37B
Accumulated OCI	4.4B	3.55B	520M	253M	421M	-1.12B	-444M	-1.31B	-1.76B	-1.23B
Treasury Stock	-10M	0	-9M	-15M	-4M	-7M	-6M	-331M	-481M	-713M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	67.25B	70.61B	39.58B	-54.17B	-40.45B	30.74B	-2.95B	-2.11B	5.61B	-28.58B
Operating CF Growth %	31.77%	0.05%	-0.44%	-2.37%	0.25%	1.76%	-1.1%	0.28%	3.65%	-6.1%
Net Income	-6.77B	-1.36B	-735M	341M	-5.26B	624M	2.51B	5.66B	4.89B	3.5B
Depreciation & Amortization	0	0	0	0	0	2.06B	0	1.94B	0	0
Deferred Taxes	-987M	-312M	1.23B	276M	1.87B	-296M	19M	-852M	-553M	473M
Other Non-Cash Items	9.44B	4.53B	2.42B	2.53B	4.98B	1.27B	3.87B	2.26B	4.86B	5.14B
Working Capital Changes	65.58B	67.75B	36.66B	-57.32B	-42.03B	26.7B	-9.35B	-11.56B	-3.59B	-37.7B
Cash from Investing+	-8.24B	11.24B	2.43B	7.63B	-10.28B	-1.89B	23.59B	-17.18B	-2.58B	-6.78B
Purchase of Investments	-29.76B	-21.72B	-13.48B	-41.34B	-76.72B	-86.72B	-54.07B	-59.86B	-43.57B	-53.06B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	555M	2.02B	82M	220M	1.76B	5M	-5M	439M	-361M	23M
Other Investing	-783M	-1.27B	-1.22B	-935M	-886M	-1.02B	-896M	-1.06B	-1.35B	-1.37B
Cash from Financing+	-5.58B	-1.65B	7.14B	-3.33B	-2.8B	-311M	1.63B	614M	-2.85B	-646M
Dividends Paid	-1.03B	0	-392M	-227M	-227M	-349M	0	-406M	-610M	-883M
Share Repurchases	-9.18B	-5.26B	-7.91B	-4.12B	-1.36B	-1.07B	-346M	-695M	-857M	-1.13B
Stock Issued	8.32B	4.98B	15.51B	3.91B	1.19B	0	35M	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K	-1000K
Other Financing	-261M	-362M	-371M	932M	-408M	1.25B	2.02B	-1.79B	-587M	2.05B
Net Change in Cash+	53.52B	80.17B	43.38B	-48.2B	-51.95B	27.46B	23.62B	-14.32B	-1.86B	-33.1B
Exchange Rate Effect	1000K	-1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	1000K
Cash at Beginning	51.96B	105.48B	185.65B	229.03B	180.82B	128.87B	156.33B	179.95B	165.63B	163.77B
Cash at End	105.48B	185.65B	229.03B	180.82B	128.87B	156.33B	179.95B	165.63B	163.77B	130.67B
Interest Paid	10.61B	10.81B	11.78B	11.74B	11.49B	6.94B	5.56B	9.47B	28.5B	36.03B
Income Taxes Paid	902M	1.57B	689M	468M	945M	805M	1.03B	1.29B	955M	1.39B
Free Cash Flow+	66.82B	69.89B	39.09B	-54.64B	-40.78B	30.22B	-3.5B	-2.45B	5.18B	-29.11B
FCF Growth %	47.32%	0.05%	-0.44%	-2.4%	0.25%	1.74%	-1.12%	0.3%	3.12%	-6.62%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-9.65%	-2.12%	-1.13%	0.39%	-8.53%	0.83%	3.63%	7.87%	6.49%	4.36%
Return on Assets (ROA)	-0.41%	-0.09%	-0.05%	0.02%	-0.41%	0.04%	0.18%	0.42%	0.36%	0.25%
Net Interest Margin	0.96%	0.91%	0.83%	0.99%	1.06%	0.87%	0.84%	1.02%	1.04%	0.94%
Efficiency Ratio	88.56%	72.44%	65.03%	63.25%	72.33%	69.94%	69.59%	53.17%	36.55%	34.56%
Equity / Assets	4.15%	4.08%	4.62%	5.1%	4.43%	4.69%	5.14%	5.41%	5.7%	5.73%
Book Value / Share	38.81	41.68	34.61	32.7	27.32	28.66	31.74	34.03	35.56	38.95
NII Growth	9.9%	-6.93%	-15.25%	8.36%	3.25%	-16.17%	-3.23%	22.38%	-0.35%	-3.96%
Dividend Payout	-	-	-	85.02%	-	70.51%	-	7.35%	12.78%	26.23%

Revenue by Geography

	2024
Germany	12.13B
Germany Growth	-
Americas	6B
Americas Growth	-
UK	4.53B
UK Growth	-
Europe	3.98B
Europe Growth	-

Frequently Asked Questions

Valuation & Price

Deutsche Bank AG (DB) has a price-to-earnings (P/E) ratio of 28.4x. This suggests investors expect higher future growth.

Growth & Financials

Deutsche Bank AG (DB) grew revenue by 11.8% over the past year. This is steady growth.

Yes, Deutsche Bank AG (DB) is profitable, generating $5.59B in net income for fiscal year 2024 (5.1% net margin).

Dividend & Returns

Yes, Deutsche Bank AG (DB) pays a dividend with a yield of 1.11%. This makes it attractive for income-focused investors.

Deutsche Bank AG (DB) has a return on equity (ROE) of 4.4%. This is below average, suggesting room for improvement.

Industry Metrics

Deutsche Bank AG (DB) has a net interest margin (NIM) of 0.9%. NIM has been under pressure due to interest rate environment.

Deutsche Bank AG (DB) has an efficiency ratio of 34.6%. This is excellent, indicating strong cost control.

US Stock Screener

...