DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) Stock Fundamental Analysis
Europe - FRA:PBB - DE0008019001 - Common Stock
4.074 EUR
+0.03 (+0.64%)
Overall PBB gets a fundamental rating of 2 out of 10. We evaluated PBB against 50 industry peers in the Financial Services industry. PBB has a bad profitability rating. Also its financial health evaluation is rather negative. PBB is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
PBB had negative earnings in the past year.
In the past year PBB has reported a negative cash flow from operations.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.40%, PBB is doing worse than 65.38% of the companies in the same industry.
PBB has a worse Return On Equity (-5.44%) than 73.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.4% | ||
| ROE | -5.44% | ||
| 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
1.3 Margins
PBB's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for PBB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| 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
2. Health
2.1 Basic Checks
PBB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PBB has about the same amount of shares outstanding.
The number of shares outstanding for PBB has been increased compared to 5 years ago.
The debt/assets ratio for PBB is higher compared to a year ago.
2.2 Solvency
PBB has a Debt/Equity ratio of 4.70. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.70, PBB is doing worse than 84.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.74%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PBB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -381.71%.
PBB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -16.63% yearly.
PBB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -26.01%.
PBB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.62% yearly.
EPS 1Y (TTM)-381.71%
EPS 3Y-32.62%
EPS 5Y-16.63%
EPS Q2Q%-1044.37%
Revenue 1Y (TTM)-26.01%
Revenue growth 3Y10.02%
Revenue growth 5Y9.62%
Sales Q2Q%-45.28%
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 21.28% on average per year.
PBB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.14% yearly.
EPS Next Y-305.14%
EPS Next 2Y26.25%
EPS Next 3Y21.28%
EPS Next 5YN/A
Revenue Next Year-16.77%
Revenue Next 2Y-4.19%
Revenue Next 3Y-2.14%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for PBB. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 4.99, the valuation of PBB can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PBB indicates a rather cheap valuation: PBB is cheaper than 90.38% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, PBB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.99 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PBB's earnings are expected to grow with 21.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y26.25%
EPS Next 3Y21.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.71%, PBB has a reasonable but not impressive dividend return.
The stock price of PBB dropped by -24.63% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
PBB's Dividend Yield is a higher than the industry average which is at 3.41.
Compared to an average S&P500 Dividend Yield of 2.42, PBB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y26.25%
EPS Next 3Y21.28%
FRA:PBB (11/14/2025, 7:00:00 PM)
4.074
+0.03 (+0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners21.77%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap547.87M
Revenue(TTM)990.00M
Net Income(TTM)-171.00M
Analysts51.67
Price Target6.07 (48.99%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
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%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-54.44%
EPS NY rev (3m)-237.26%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.51%
Revenue NY rev (3m)-5.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.99 | ||
| P/S | 0.55 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.17 | ||
| P/tB | 0.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)-1.27
EYN/A
EPS(NY)0.82
Fwd EY20.04%
FCF(TTM)-4.31
FCFYN/A
OCF(TTM)-4.31
OCFYN/A
SpS7.36
BVpS23.36
TBVpS23.01
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.4% | ||
| ROE | -5.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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-Score1
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.7 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| 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-Score1
WACC11.74%
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)-381.71%
EPS 3Y-32.62%
EPS 5Y-16.63%
EPS Q2Q%-1044.37%
EPS Next Y-305.14%
EPS Next 2Y26.25%
EPS Next 3Y21.28%
EPS Next 5YN/A
Revenue 1Y (TTM)-26.01%
Revenue growth 3Y10.02%
Revenue growth 5Y9.62%
Sales Q2Q%-45.28%
Revenue Next Year-16.77%
Revenue Next 2Y-4.19%
Revenue Next 3Y-2.14%
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 1Y89.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y89.29%
OCF growth 3YN/A
OCF growth 5YN/A
DEUTSCHE PFANDBRIEFBANK AG / PBB.DE FAQ
What is the ChartMill fundamental rating of DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) stock?
ChartMill assigns a fundamental rating of 2 / 10 to PBB.DE.
What is the valuation status for PBB stock?
ChartMill assigns a valuation rating of 3 / 10 to DEUTSCHE PFANDBRIEFBANK AG (PBB.DE). This can be considered as Overvalued.
What is the profitability of PBB stock?
DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) has a profitability rating of 1 / 10.
What is the financial health of DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) stock?
The financial health rating of DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) is 0 / 10.