Deutsche Bank AG AI Stock Analysis
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Deutsche Bank AG (DBK) AI Stock Analysis
Deutsche Bank AG
(XETRA:DBK)
The score is supported by a strong and constructive earnings call (record 2025 performance, clear 2026 guidance and capital return plan) and reasonable valuation. This is tempered by weaker underlying financial statement quality driven by negative EBIT margin and negative free cash flow, while technicals point to a longer-term uptrend but near-term consolidation.
Deutsche Bank AG (DBK) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 67.90B
- Dividend Yield
- 3.01%
- Average Volume (3M)
- 5.19M
- Price to Earnings (P/E)
- 8.7
- Beta (1Y)
- 1.46
- Revenue Growth
- 0.18%
- EPS Growth
- 7.38%
- Country
- Germany
- Employees
- 89,868
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Deutsche Bank AG Business Overview & Revenue Model
Company Description
Deutsche Bank AG is a prominent German financial institution that provides a wide range of investment, financial, and related services to a global clientele, including private individuals, corporate businesses, and institutional clients. Its Corporat...
How the Company Makes Money
Deutsche Bank generates revenue primarily through its diversified business model which includes several key revenue streams. The Investment Bank segment earns money by providing advisory services for mergers and acquisitions, underwriting securities,...
Deutsche Bank AG Earnings Call Summary
The call was strongly positive. Management reported record nine-month and quarterly profitability, broad-based revenue growth, record asset-gathering inflows, a record Corporate Bank quarter, resilient Investment Bank performance, strong capital levels, and raised full-year revenue guidance above €33 billion. The main challenges were elevated CRE-related provisions, an idiosyncratic credit event, margin compression in FICC financing, selected expense increases, and ongoing German competitive and reform uncertainty. Highlights significantly outweighed lowlights.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
For full year 2026, Deutsche Bank expects revenues above €33 billion assuming markets remain constructive, total expenses of around €21.3 billion, NII across key banking book segments and other funding to slightly exceed €14 billion, and loan loss provisions, excluding targeted proactive derisking actions and the idiosyncratic event, to be broadly in line with guidance and slightly lower in 2026 compared to the prior year; the bank expects a gradual but steady decline in CRE provisions in 2027 and, in 2028, the group provision run rate normalizing at around 30 basis points, while its CET1 ratio is expected to remain within its operating range of 13 and a half, 14%, capital deductions will continue in line with the 60% payout ratio target, and an RoTE of above 13% represents a floor.
Deutsche Bank AG Financial Statement Overview
Summary
Revenue growth and a stable balance sheet are positives, but the negative EBIT margin and the sharp deterioration in operating cash flow leading to negative free cash flow in 2024 meaningfully weaken the overall financial picture.
Income Statement
70PositiveBalance Sheet
65PositiveCash Flow
55Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 61.94B | 60.89B | 66.34B | 59.35B | 37.30B | 30.75B |
| Gross Profit | 32.44B | 30.41B | 28.22B | 27.37B | 25.43B | 24.79B |
| EBITDA | 11.08B | 9.72B | 5.29B | 5.68B | 7.54B | 5.40B |
| Net Income | 7.78B | 6.93B | 3.37B | 4.77B | 5.53B | 2.37B |
Balance Sheet | ||||||
| Total Assets | 1.58T | 1.44T | 1.39T | 1.31T | 1.34T | 1.32T |
| Cash, Cash Equivalents and Short-Term Investments | 137.25B | 355.98B | 187.89B | 213.43B | 211.54B | 222.74B |
| Total Debt | 146.88B | 358.91B | 224.35B | 144.22B | 195.47B | 156.19B |
| Total Liabilities | 1.50T | 1.35T | 1.31T | 1.24T | 1.26T | 1.26T |
| Stockholders Equity | 79.41B | 78.64B | 77.83B | 73.05B | 70.54B | 66.33B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 0 | -29.11B | 5.18B | -2.45B | -3.50B |
| Operating Cash Flow | 0 | 0 | -28.58B | 5.61B | -2.11B | -2.95B |
| Investing Cash Flow | 0 | 0 | -6.78B | -2.58B | -17.18B | 23.59B |
| Financing Cash Flow | 0 | 0 | -646.00M | -2.85B | 614.00M | 1.63B |
Deutsche Bank AG Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:DBK, the sentiment is Positive. The current price of 33.19 is above the 20-day moving average (MA) of 30.69, above the 50-day MA of 31.52, and above the 200-day MA of 29.61, indicating a bullish trend. The MACD of 0.72 indicates Negative momentum. The RSI at 61.54 is Neutral, neither overbought nor oversold. The STOCH value of 87.80 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:DBK.
Deutsche Bank AG Risk Analysis
Deutsche Bank AG disclosed 48 risk factors in its most recent earnings report. Deutsche Bank AG reported the most risks in the "Legal & Regulatory" category.
Latest Risks Added
0 New RisksDeutsche Bank AG Peers Comparison
Overall Rating
DE:FTK77Outperform
DE:DB174Outperform
DE:DWS70Outperform- DE:DBK69Neutral
DE:CBK56Neutral
DE:PBB41Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| DE:FTK | 77Outperform | EUR 2.50B | 12.92 | 20.76% | 1.32% | 20.27% | 50.28% |
| DE:DB1 | 74Outperform | EUR 58.72B | 27.21 | 20.39% | 1.27% | 7.14% | 7.62% |
| DE:DWS | 70Outperform | EUR 13.44B | 17.55 | 13.58% | 4.46% | 24.12% | 34.62% |
| DE:DBK | 69Neutral | EUR 60.48B | 8.66 | 10.21% | 3.01% | 0.18% | 7.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| DE:CBK | 56Neutral | EUR 43.11B | 12.99 | 10.03% | 2.76% | 0.50% | 32.22% |
| DE:PBB | 41Neutral | EUR 347.75M | -6.71 | -0.96% | 5.80% | -20.56% | 76.04% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:DBK | Deutsche Bank AG | 33.19 | 3.46 | 11.63% | |
| DE:CBK | Commerzbank AG (UK) | 39.89 | 8.17 | 25.75% | |
| DE:DB1 | Deutsche Boerse | 330.40 | 130.29 | 65.11% | |
| DE:PBB | Deutsche Pfandbriefbank | 2.59 | -1.40 | -35.04% | |
| DE:FTK | flatexDEGIRO AG | 22.74 | -8.13 | -26.34% | |
| DE:DWS | DWS Group | 67.20 | 17.49 | 35.18% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Jan 29, 2026