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DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) Stock Fundamental Analysis

Europe - FRA:PBB - DE0008019001 - Common Stock

5.135 EUR
-0.04 (-0.87%)
Last: 9/12/2025, 7:00:00 PM
Fundamental Rating

2

PBB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 46 industry peers in the Financial Services industry. Both the profitability and financial health of PBB have multiple concerns. PBB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year PBB was profitable.
PBB had a negative operating cash flow in the past year.
PBB had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: PBB reported negative operating cash flow in multiple years.
PBB.DE Yearly Net Income VS EBIT VS OCF VS FCFPBB.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B

1.2 Ratios

PBB has a worse Return On Assets (0.26%) than 69.57% of its industry peers.
The Return On Equity of PBB (3.39%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.26%
ROE 3.39%
ROIC N/A
ROA(3y)0.2%
ROA(5y)0.23%
ROE(3y)2.96%
ROE(5y)3.63%
ROIC(3y)N/A
ROIC(5y)N/A
PBB.DE Yearly ROA, ROE, ROICPBB.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

PBB has a Profit Margin of 9.35%. This is comparable to the rest of the industry: PBB outperforms 45.65% of its industry peers.
In the last couple of years the Profit Margin of PBB has declined.
PBB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 9.35%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-38.81%
PM growth 5Y-24%
GM growth 3YN/A
GM growth 5YN/A
PBB.DE Yearly Profit, Operating, Gross MarginsPBB.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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0

2. Health

2.1 Basic Checks

PBB does not have a ROIC to compare to the WACC, probably because it is not profitable.
PBB has about the same amout of shares outstanding than it did 1 year ago.
PBB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PBB is higher compared to a year ago.
PBB.DE Yearly Shares OutstandingPBB.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
PBB.DE Yearly Total Debt VS Total AssetsPBB.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

PBB has a Debt/Equity ratio of 4.21. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.21, PBB is doing worse than 86.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.21
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.75%
PBB.DE Yearly LT Debt VS Equity VS FCFPBB.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PBB.DE Yearly Current Assets VS Current LiabilitesPBB.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.29% over the past year.
Measured over the past years, PBB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -16.63% on average per year.
Looking at the last year, PBB shows a decrease in Revenue. The Revenue has decreased by -3.29% in the last year.
The Revenue has been growing by 9.62% on average over the past years. This is quite good.
EPS 1Y (TTM)19.29%
EPS 3Y-32.62%
EPS 5Y-16.63%
EPS Q2Q%-23.53%
Revenue 1Y (TTM)-3.29%
Revenue growth 3Y10.02%
Revenue growth 5Y9.62%
Sales Q2Q%-22.88%

3.2 Future

Based on estimates for the next years, PBB will show a very strong growth in Earnings Per Share. The EPS will grow by 23.23% on average per year.
The Revenue is expected to decrease by -1.75% on average over the next years.
EPS Next Y-159.88%
EPS Next 2Y28.47%
EPS Next 3Y23.23%
EPS Next 5YN/A
Revenue Next Year-13.04%
Revenue Next 2Y-3.63%
Revenue Next 3Y-1.75%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PBB.DE Yearly Revenue VS EstimatesPBB.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
PBB.DE Yearly EPS VS EstimatesPBB.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1

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5

4. Valuation

4.1 Price/Earnings Ratio

PBB is valuated cheaply with a Price/Earnings ratio of 6.26.
Based on the Price/Earnings ratio, PBB is valued cheaply inside the industry as 84.78% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.30. PBB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.07, which indicates a rather cheap valuation of PBB.
Based on the Price/Forward Earnings ratio, PBB is valued cheaply inside the industry as 89.13% of the companies are valued more expensively.
PBB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.26
Fwd PE 6.07
PBB.DE Price Earnings VS Forward Price EarningsPBB.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PBB.DE Per share dataPBB.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20

4.3 Compensation for Growth

A more expensive valuation may be justified as PBB's earnings are expected to grow with 23.23% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.47%
EPS Next 3Y23.23%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.90%, PBB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.54, PBB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, PBB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.9%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
PBB.DE Yearly Dividends per sharePBB.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DP0%
EPS Next 2Y28.47%
EPS Next 3Y23.23%
PBB.DE Yearly Income VS Free CF VS DividendPBB.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B

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DEUTSCHE PFANDBRIEFBANK AG

FRA:PBB (9/12/2025, 7:00:00 PM)

5.135

-0.04 (-0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-13 2025-08-13
Earnings (Next)11-13 2025-11-13
Inst Owners23.09%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap690.55M
Analysts51.67
Price Target6.09 (18.6%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.9%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.28%
PT rev (3m)-0.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-140.06%
EPS NY rev (3m)-140.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.9%
Revenue NY rev (3m)-6.41%
Valuation
Industry RankSector Rank
PE 6.26
Fwd PE 6.07
P/S 0.56
P/FCF N/A
P/OCF N/A
P/B 0.2
P/tB 0.21
EV/EBITDA N/A
EPS(TTM)0.82
EY15.97%
EPS(NY)0.85
Fwd EY16.46%
FCF(TTM)-16.5
FCFYN/A
OCF(TTM)-16.32
OCFYN/A
SpS9.23
BVpS25.42
TBVpS25.04
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 3.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.35%
GM N/A
FCFM N/A
ROA(3y)0.2%
ROA(5y)0.23%
ROE(3y)2.96%
ROE(5y)3.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-38.81%
PM growth 5Y-24%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.21
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 114.29%
Cap/Sales 1.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.75%
ROIC/WACCN/A
Cap/Depr(3y)101.68%
Cap/Depr(5y)89.69%
Cap/Sales(3y)2.86%
Cap/Sales(5y)2.68%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.29%
EPS 3Y-32.62%
EPS 5Y-16.63%
EPS Q2Q%-23.53%
EPS Next Y-159.88%
EPS Next 2Y28.47%
EPS Next 3Y23.23%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.29%
Revenue growth 3Y10.02%
Revenue growth 5Y9.62%
Sales Q2Q%-22.88%
Revenue Next Year-13.04%
Revenue Next 2Y-3.63%
Revenue Next 3Y-1.75%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-657.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-621.38%
OCF growth 3YN/A
OCF growth 5YN/A