PBB Fundamental Analysis - DEUTSCHE PFANDBRIEFBANK AG

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to PBB. PBB was compared to 59 industry peers in the Financial Services industry. PBB has a bad profitability rating. Also its financial health evaluation is rather negative. PBB has a expensive valuation and it also scores bad on growth.

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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.

In the past 5 years PBB has always been profitable.

In multiple years PBB reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of PBB (-0.40%) is worse than 67.80% of its industry peers.

PBB's Return On Equity of -5.44% is on the low side compared to the rest of the industry. PBB is outperformed by 72.88% 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.

PBB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

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 84.75% 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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 17.40% on average over the next years. This is quite good.

Based on estimates for the next years, PBB will show a decrease in Revenue. The Revenue will decrease by -2.59% on average per year.

EPS Next Y-344.56%

EPS Next 2Y22.28%

EPS Next 3Y17.4%

EPS Next 5YN/A

Revenue Next Year-18.58%

Revenue Next 2Y-5.29%

Revenue Next 3Y-2.59%

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.

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4. Valuation

4.1 Price/Earnings Ratio

PBB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Based on the Price/Forward Earnings ratio of 5.43, the valuation of PBB can be described as very cheap.

91.53% of the companies in the same industry are more expensive than PBB, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of PBB to the average of the S&P500 Index (24.03), we can say PBB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	5.43

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as PBB's earnings are expected to grow with 17.40% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y22.28%

EPS Next 3Y17.4%

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5. Dividend

5.1 Amount

PBB has a Yearly Dividend Yield of 3.62%.

Compared to an average industry Dividend Yield of 2.01, PBB pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 1.87, PBB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.62%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

DPN/A

EPS Next 2Y22.28%

EPS Next 3Y17.4%

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DEUTSCHE PFANDBRIEFBANK AG

FRA:PBB (12/23/2025, 7:00:00 PM)

4.156

-0.04 (-0.86%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)11-13 2025-11-13

Earnings (Next)N/A N/A

Inst Owners21.67%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap558.90M

Revenue(TTM)961.00M

Net Income(TTM)-171.00M

Analysts48.33

Price Target5.2 (25.12%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.62%

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)-14.29%

PT rev (3m)-14.53%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-19.22%

EPS NY rev (3m)-308.45%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-2.17%

Revenue NY rev (3m)-6.37%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	5.43
P/S	0.56
P/FCF	N/A
P/OCF	N/A
P/B	0.18
P/tB	0.18
EV/EBITDA	N/A

EPS(TTM)-1.42

EYN/A

EPS(NY)0.77

Fwd EY18.43%

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)-318.8%

EPS 3Y-32.62%

EPS 5Y-16.63%

EPS Q2Q%-68.06%

EPS Next Y-344.56%

EPS Next 2Y22.28%

EPS Next 3Y17.4%

EPS Next 5YN/A

Revenue 1Y (TTM)-27.85%

Revenue growth 3Y10.02%

Revenue growth 5Y9.62%

Sales Q2Q%-19.33%

Revenue Next Year-18.58%

Revenue Next 2Y-5.29%

Revenue Next 3Y-2.59%

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.

DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

DEUTSCHE PFANDBRIEFBANK AG / PBB.DE FAQ

What is the ChartMill fundamental rating of DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) stock?

What is the valuation status for PBB stock?

What is the profitability of PBB stock?

What is the financial health of DEUTSCHE PFANDBRIEFBANK AG (PBB.DE) stock?