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Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK) fair value: what the stock is really worth

We calculate from audited financials what Deutsche Bank Aktiengesellschaft, a stock corporation is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · IT · ISIN DE0005140008

DB Broad data Sep 13, 2026

Deutsche Bank Aktiengesellschaft, a stock corporation

1DBK · MI

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value €53.20 · Strongly undervalued (+63%)
✓Quality 67/100
✓Healthy Growth (revenue 3y +6.4 %/yr)
✓Highly profitable · 22.7% net margin (TTM)
!High debt · generates free cash flow
·3.06% dividend yield
✓Wide moat 66/100

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

€35.74 €6.73 Fair Value €53.20 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.

How to read this chart

60‑month range €6.73 – €35.74 · fair‑value band €39.90 – €66.49 · the €32.69 price screens below the €53.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.

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Company profile

Deutsche Bank Aktiengesellschaft, a stock corporation, provides corporate and investment banking, private clients, and asset management products and services in Germany, the United Kingdom, the rest of Europe, the Americas, the Asia-Pacific, the Middle East, and Africa.

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Deutsche Bank Aktiengesellschaft, a stock corporation, provides corporate and investment banking, private clients, and asset management products and services in Germany, the United Kingdom, the rest of Europe, the Americas, the Asia-Pacific, the Middle East, and Africa. It operates through Corporate Bank, Investment Bank, Private Bank, and Asset Management segments. The Corporate Bank segment offers cash management services, such as integrated payments and FX solutions; trade finance and lending offerings, including documentary and guarantee business, and structured trade finance and lending; and depository receipts, corporate trust, document custody, and securities services. The Investment Bank segment provides financing solutions in industries and asset classes; institutional sales, trading, and structuring in foreign exchange, rates, emerging markets, and credit trading; liquidity, market making services, and specialized risk management solutions for fixed income and currencies products; and advisory and financial products and services. This segment is also involved in the mergers and acquisitions business; and capital markets businesses in debt and equity. The Private Bank segment offers a range of payment and account services, and credit and deposit products, as well as investment advice, and postal and parcel services; and planning, managing and investing wealth, financing personal and business interests, and servicing institutional and corporate needs. The Asset Management segment provides access to investment capabilities in active and passive asset classes comprising Xtrackers range and alternatives; and access to private equity, private credit, real estate, and infrastructure. Deutsche Bank Aktiengesellschaft was incorporated in 1870 and is headquartered in Frankfurt am Main, Germany.

Stock analysis

Deutsche Bank Aktiengesellschaft, a stock corporation, (1DBK) currently trades at €32.69, while our model-based Fair Value estimate is €53.20, implying the stock looks roughly 38.6% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of €50.72 per share, and 3 of the 4 models we run sit above the €32.69 price.

Bear case: the Asset-Based group reads lowest at €27.54, and 1 of the 4 models stay below the price. Evidence for this calculation is high.

Scenario range: €39.90 (bear) to €66.49 (bull), the price of €32.69 sits below 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 67/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Deutsche Bank Aktiengesellschaft, a stock corporation, reported revenue of €32.1B in FY2025 versus €26.7B in FY2022, a compound +6.4%/yr. Reported net income was €6.9B in FY2025, compounding +7.9%/yr from FY2022.

Key figures

Market cap €63.4B · P/E ratio 10.3 · P/S ratio 2.23 · EPS (TTM) €3.16 · Dividend yield 3.1% · Net margin 21.6% · Return on equity 8.7% · Return on assets 0.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 42% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 63%, 1DBK screens cheaper than that median.

Fair Value models

Bear €39.90 Fair Value €53.20 Bull €66.49
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€1.57 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income €35.00 €38.11 €50.02 73
P/E Multiple €38.04 €50.72 €63.40 63
P/B Multiple €46.19 €61.59 €76.98 55
All 4 models by family
Multiples
P/E Multiple €38.04 €50.72 €63.40 63
P/B Multiple €46.19 €61.59 €76.98 55
Asset-Based
NCAV (Graham) €20.55 €27.54 €41.11 54
Economic Profit
Residual Income €35.00 €38.11 €50.02 73

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Quality Score breakdown

Overall quality 67/100

Of which business quality 67 · Market factors (momentum, volatility) 64

Profitability 38
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 40
Balance sheet, leverage, solvency risk
Investment 90
Disciplined investing over empire-building
Low Volatility 62
Calm price path (market factor)
Momentum 61
Price trend over the last 3–12 months (market factor)
52W Momentum 70
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 77/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.8%
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.
+6.4%
What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘ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 3 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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+1.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.3%
Dividend (yield on the price)3.1%
2025 sits 53% above its own trend. The rate follows the median trend of the last 3 years, not that single year.

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Recent news

News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.

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Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

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HDFC Bank Limited HDB $23.16 $15.60 −33%
BNP Paribas SA BNP €102.32 €105.99 +4%
UniCredit S.p.A UCG €82.92 €77.62 −6%
Mizuho Financial Group MFG $11.15 $9.67 −13%
ICICI Bank Limited ICICIBANK ₹1,359 ₹636.31 −53%
The PNC Financial Services Group PNC $231.49 $159.52 −31%
Oversea-Chinese Banking Corporation O39 31.28 SGD 19.80 SGD −37%

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Deutsche Bank Aktiengesellschaft, a stock corporation, · Fair Value
€53.20 +39%Fair Value
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Cite: Fair Value Calculator (2026). "Deutsche Bank Aktiengesellschaft, a stock corporation, Fair Value". https://www.fairvalue-calculator.com/stock/1DBK

Frequently asked questions

Is Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of €53.20 versus a price of €32.69, about +63% upside (undervalued).
What is the fair value of 1DBK?
Our model-based fair value for Deutsche Bank Aktiengesellschaft, a stock corporation, is €53.20 (as of Sep 13, 2026), built from audited fundamentals. The current price: €32.69.
What is the quality score of 1DBK?
Deutsche Bank Aktiengesellschaft, a stock corporation, has a Quality Score of 67/100. 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 Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
Our model-based price target is the fair value of €53.20 (as of Sep 13, 2026) from 4 valuation models. Cautious scenario €39.90, optimistic scenario €66.49. It is a calculation from audited fundamentals, not an analyst target.
What is the Deutsche Bank Aktiengesellschaft, a stock corporation, stock forecast for 2026?
Our models put fair value at €53.20, about +63% upside versus a price of €32.69 (undervalued). Cautious scenario €39.90, optimistic scenario €66.49. The calculation is refreshed regularly with new filings.
What is the revenue of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
Deutsche Bank Aktiengesellschaft, a stock corporation, reported trailing-twelve-month revenue of about €29.8B (latest available figure, as of Sep 13, 2026).
Does Deutsche Bank Aktiengesellschaft, a stock corporation, pay a dividend?
Deutsche Bank Aktiengesellschaft, a stock corporation, currently shows a dividend yield of about 3.06% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Deutsche Bank Aktiengesellschaft, a stock corporation, it is €53.20 per share (as of Sep 13, 2026), against a price of €32.69. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Deutsche Bank Aktiengesellschaft, a stock corporation, stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 1DBK trades below its calculated fair value: price €32.69, fair value €53.20, a gap of about +63% (undervalued). 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 1DBK?
No. The price is what the market pays today (€32.69); the fair value is what the company's own numbers justify (€53.20). For Deutsche Bank Aktiengesellschaft, a stock corporation, the two are €20.52 per share apart. That gap is exactly why we show both numbers side by side.
How much is Deutsche Bank Aktiengesellschaft, a stock corporation, worth?
The market values Deutsche Bank Aktiengesellschaft, a stock corporation, at about €63.4B (market capitalisation, as of Sep 13, 2026). Per share that is €32.69; our models calculate a fair value of €53.20 per share.
What do the bullish and bearish scenarios say about 1DBK?
Our models span a range for Deutsche Bank Aktiengesellschaft, a stock corporation,: cautious scenario €39.90, base €53.20, optimistic €66.49 per share (as of Sep 13, 2026, price €32.69). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 1DBK from its 52-week high?
Deutsche Bank Aktiengesellschaft, a stock corporation, trades at €32.69, about 1% below its 52-week high of €33.01 and 42% above the low of €23.01 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of €53.20 is for.
Which stocks are comparable to Deutsche Bank Aktiengesellschaft, a stock corporation,?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Deutsche Bank Aktiengesellschaft, a stock corporation, stock attractive at the current price?
The data as of Sep 13, 2026: price €32.69, calculated fair value €53.20 (+63%), Quality Score 67/100, from 4 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 1DBK calculated?
We run Deutsche Bank Aktiengesellschaft, a stock corporation, through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €53.20, 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 16.2 % above its aggregate fair value. Deutsche Bank Aktiengesellschaft, a stock corporation, currently trades 63 % below its own fair value, and the market average says nothing about that. 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 Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The closing price on Sep 22, 2026 was €32.69. Our model-based fair value is €53.20, about +63% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Deutsche Bank Aktiengesellschaft, a stock corporation, right now?
The price is below even our cautious bear case (€39.90). The market is more pessimistic than our downside scenario. Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Deutsche Bank Aktiengesellschaft, a stock corporation,

How large is the market capitalisation of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The market capitalisation of Deutsche Bank Aktiengesellschaft, a stock corporation, is €63.4B. 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/E ratio of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The price-to-earnings ratio of Deutsche Bank Aktiengesellschaft, a stock corporation, is 10.3. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The price-to-sales ratio of Deutsche Bank Aktiengesellschaft, a stock corporation, is 2.23 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
Earnings per share at Deutsche Bank Aktiengesellschaft, a stock corporation, are €3.16 (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The dividend yield of Deutsche Bank Aktiengesellschaft, a stock corporation, is 3.1% (payout 31.6%). 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 Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The net margin of Deutsche Bank Aktiengesellschaft, a stock corporation, is 21.6% (fiscal year 2025). 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 Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The return on equity (ROE) of Deutsche Bank Aktiengesellschaft, a stock corporation, is 8.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The return on assets (ROA) of Deutsche Bank Aktiengesellschaft, a stock corporation, is 0.5% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
The operating margin of Deutsche Bank Aktiengesellschaft, a stock corporation, is 37.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
Revenue at Deutsche Bank Aktiengesellschaft, a stock corporation, is growing +1.2% versus a year earlier (3y avg +6.4%). 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 Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK)?
Earnings per share at Deutsche Bank Aktiengesellschaft, a stock corporation, are growing +7.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Deutsche Bank Aktiengesellschaft, a stock corporation (1DBK) generate?
The free cash flow of Deutsche Bank Aktiengesellschaft, a stock corporation, is €46.6B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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