DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:PBB • DE0008019001
4.184 EUR
+0.01 (+0.29%)
Last: Jan 30, 2026, 05:29 PM
PBB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 59 industry peers in the Financial Services industry. PBB may be in some trouble as it scores bad on both profitability and health. PBB does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- PBB had negative earnings in the past year.
- PBB had a negative operating cash flow in the past year.
- PBB had positive earnings in each of the past 5 years.
- In multiple years PBB reported negative operating cash flow during the last 5 years.
1.2 Ratios
- PBB's Return On Assets of -0.40% is on the low side compared to the rest of the industry. PBB is outperformed by 71.19% of its industry peers.
- The Return On Equity of PBB (-5.44%) is worse than 74.58% 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
- In the last couple of years the Profit Margin of PBB has declined.
- 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.
- The number of shares outstanding for PBB remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, PBB has more shares outstanding
- PBB has a worse debt/assets ratio than last year.
2.2 Solvency
- PBB has a Debt/Equity ratio of 4.70. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 4.70, PBB is not doing good in the industry: 84.75% of the companies in the same industry are doing better.
| 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 -318.80%.
- 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 -27.85%.
- 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)-318.8%
EPS 3Y-32.62%
EPS 5Y-16.63%
EPS Q2Q%-68.06%
Revenue 1Y (TTM)-27.85%
Revenue growth 3Y10.02%
Revenue growth 5Y9.62%
Sales Q2Q%-19.33%
3.2 Future
- The Earnings Per Share is expected to grow by 15.47% on average over the next years. This is quite good.
- The Revenue is expected to decrease by -3.52% on average over the next years.
EPS Next Y-433.06%
EPS Next 2Y18.83%
EPS Next 3Y15.47%
EPS Next 5YN/A
Revenue Next Year-22.23%
Revenue Next 2Y-6.63%
Revenue Next 3Y-3.52%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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 5.78, 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 88.14% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. PBB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.78 |
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 15.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y18.83%
EPS Next 3Y15.47%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.53%, PBB has a reasonable but not impressive dividend return.
- PBB's Dividend Yield is a higher than the industry average which is at 1.97.
- Compared to an average S&P500 Dividend Yield of 1.82, PBB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y18.83%
EPS Next 3Y15.47%
DEUTSCHE PFANDBRIEFBANK AG / PBB.DE FAQ
What is the fundamental rating for PBB stock?
ChartMill assigns a fundamental rating of 2 / 10 to PBB.DE.
What is the valuation status of DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) 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.
Can you provide the expected EPS growth for PBB stock?
The Earnings per Share (EPS) of DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) is expected to decline by -433.06% in the next year.