Quirin Privatbank AG (QB7) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Quirin Privatbank AG stock €2.01, price €2.90, that is 30.7% below the price, quality 44 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range €2.49 – €4.59 · fair‑value band €1.79 – €2.55 · the €2.90 price screens above the €2.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Quirin Privatbank AG primarily operates as an asset management company in Germany.
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It offers private banking services, such as independent advice, sustainable investment, stocks, bonds and ETFs, call money, securities loan, and savings plan, as well as capital market, investment banking, institutional care and research, and corporate finance services.
The company was founded in 1998 and is headquartered in Berlin, Germany.
Stock analysis
Quirin Privatbank AG (QB7) currently trades at €2.90, while our model-based Fair Value estimate is €2.01, 31% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €3.06 per share, and 1 of the 6 models we run sit above the €2.90 price.
Bear case: the Asset-Based group reads lowest at €1.34, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: €1.79 (bear) to €2.55 (bull), the price of €2.90 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Quirin Privatbank AG reported revenue of €93.5M in FY2025 versus €66.0M in FY2021, a compound +9.1%/yr. Reported net income was €11.0M in FY2025, compounding −2.3%/yr from FY2021.
Key figures
Market cap €126M Micro · P/E ratio 12.1 · P/S ratio 1.46 · EPS (TTM) €0.2400 · Dividend yield 4.5% · Net margin 12.2% · Return on equity 13.9% · Return on assets (EBIT) 1.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −31%, QB7 screens richer than that median.
Fair Value models
Bear€1.79Fair Value €2.01Bull€2.55
Price €2.90 · Downside -30.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (€0.0943 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+11.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.0%
Start year 2020 (pandemic). Over 10 years: +8.3% a year
Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+18.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.5%
Dividend (yield on the price)4.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.13.5% vs 13.1%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 20%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score44 · Bottom 25%
Fair Value upside−30.7% · Below median
Profitability
Return on equity (12 months)13.9% · Top 25%
Return on assets0.8% · Below median
Net margin (12 months)12.2% · Bottom 25%
Operating margin (12 months)19.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)5.3% · Below median
Dividend yield (12 months)4.5% · Top 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)12.1× · Pricier than median
P/B1.42× · Pricier than median
P/S (12 months)1.46× · Cheapest 25%
EV/EBITDA4.9× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)27· sector 47
PAST (return on equity)56· sector 43
HEALTH (low debt)–
DIVIDEND (yield)90· sector 52
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Quirin Privatbank AG Fair Value". https://www.fairvalue-calculator.com/stock/QB7
Frequently asked questions
Is Quirin Privatbank AG (QB7) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of €2.01 versus a price of €2.90, about 31% lower (overvalued).
What is the fair value of QB7?
Our model-based fair value for Quirin Privatbank AG is €2.01 (as of Nov 8, 2026), built from audited fundamentals. The current price: €2.90.
What is the quality score of QB7?
Quirin Privatbank AG has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Quirin Privatbank AG (QB7)?
Our model-based price target is the fair value of €2.01 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario €1.79, optimistic scenario €2.55. It is a calculation from audited fundamentals, not an analyst target.
What is the Quirin Privatbank AG stock forecast for 2026?
Our models put fair value at €2.01, about 31% lower versus a price of €2.90 (overvalued). Cautious scenario €1.79, optimistic scenario €2.55. The calculation is refreshed regularly with new filings.
What is the revenue of Quirin Privatbank AG (QB7)?
Quirin Privatbank AG reported trailing-twelve-month revenue of about €86.2M (latest available figure, as of Nov 8, 2026).
Does Quirin Privatbank AG pay a dividend?
Quirin Privatbank AG currently shows a dividend yield of 4.48% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Quirin Privatbank AG (QB7) and when is the ex-dividend date?
Quirin Privatbank AG pays a dividend of €0.13 per share a year, a dividend yield of 4.5%. The last ex-dividend date was Jun 22, 2026. A dividend has been paid every year since 2021. The payout ratio is 54.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Quirin Privatbank AG (QB7)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Quirin Privatbank AG it is €2.01 per share (as of Nov 8, 2026), against a price of €2.90. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Quirin Privatbank AG stock overvalued or undervalued in 2026?
As of Nov 8, 2026, QB7 trades above its calculated fair value: price €2.90, fair value €2.01, a gap of about −31% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of QB7?
No. The price is what the market pays today (€2.90); the fair value is what the company's own numbers justify (€2.01). For Quirin Privatbank AG the two are €0.8900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Quirin Privatbank AG worth?
The market values Quirin Privatbank AG at about €126M (market capitalisation, as of Nov 8, 2026). Per share that is €2.90; our models calculate a fair value of €2.01 per share.
What do the bullish and bearish scenarios say about QB7?
Our models span a range for Quirin Privatbank AG: cautious scenario €1.79, base €2.01, optimistic €2.55 per share (as of Nov 8, 2026, price €2.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of QB7?
Quirin Privatbank AG trades at a price-to-earnings ratio of 12.1 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €2.01 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 16.3. Other multiples: P/B 1.4, P/S 1.5, EV/EBITDA 4.9.
How solid is the balance sheet of Quirin Privatbank AG (QB7)?
Balance-sheet figures for Quirin Privatbank AG (as of Nov 8, 2026): return on equity 13.9%. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is QB7 from its 52-week high?
Quirin Privatbank AG trades at €2.90, about 26% below its 52-week high of €3.93 and 1% above the low of €2.86 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of €2.01 is for.
Which stocks are comparable to Quirin Privatbank AG?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Quirin Privatbank AG stock attractive at the current price?
The data as of Nov 8, 2026: price €2.90, calculated fair value €2.01 (−31%), Quality Score 44/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of QB7 calculated?
We run Quirin Privatbank AG through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €2.01 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Quirin Privatbank AG itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Quirin Privatbank AG (QB7)?
The closing price on Nov 9, 2026 was €2.90. Our model-based fair value is €2.01, about 31% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Quirin Privatbank AG right now?
The price sits above even our optimistic bull case (€2.55). The favourable scenario is already priced in. Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Quirin Privatbank AG (QB7) come from?
Earnings per share at Quirin Privatbank AG grew +13.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.9 %, EBIT margin +6.2 %, tax rate −1.8 %, residual (interest, one-offs) +1.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Quirin Privatbank AG
How large is the market capitalisation of Quirin Privatbank AG (QB7)?
The market capitalisation of Quirin Privatbank AG is €126M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Quirin Privatbank AG (QB7)?
The price-to-sales ratio of Quirin Privatbank AG is 1.46 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Quirin Privatbank AG (QB7)?
Earnings per share at Quirin Privatbank AG are €0.2400 (price ÷ EPS = P/E 12.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Quirin Privatbank AG (QB7)?
The dividend yield of Quirin Privatbank AG is 4.5% (payout 54.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Quirin Privatbank AG (QB7)?
The net margin of Quirin Privatbank AG is 12.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Quirin Privatbank AG (QB7)?
The return on equity (ROE) of Quirin Privatbank AG is 13.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Quirin Privatbank AG (QB7)?
On an EBIT basis the return on assets of Quirin Privatbank AG is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Quirin Privatbank AG (QB7)?
The operating margin of Quirin Privatbank AG is 19.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Quirin Privatbank AG (QB7)?
Revenue at Quirin Privatbank AG is growing +5.3% versus a year earlier (3y avg +15.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Quirin Privatbank AG (QB7)?
Earnings per share at Quirin Privatbank AG are growing −21.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Quirin Privatbank AG (QB7) generate?
The free cash flow of Quirin Privatbank AG is −€2.7M (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Quirin Privatbank AG (QB7) hold?
Quirin Privatbank AG holds more cash than debt, €32.2M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 8, 2026