DEUTSCHE PFANDBRIEFBANK AG (PBB.DE)
DE0008019001 - Common Stock
PBB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 49 industry peers in the Financial Services industry. PBB may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on PBB.
1. Profitability
1.1 Basic Checks
In the past year PBB was profitable.
In the past year PBB had a positive cash flow from operations.
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
With a Return On Assets value of 0.13%, PBB is not doing good in the industry: 79.07% of the companies in the same industry are doing better.
The Return On Equity of PBB (1.81%) is worse than 72.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.13% | ||
| ROE | 1.81% | ||
| ROIC | N/A |
ROA(3y)0.27%
ROA(5y)0.25%
ROE(3y)4.4%
ROE(5y)4.25%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PBB has a Profit Margin of 4.56%. This is in the lower half of the industry: PBB underperforms 72.09% of its industry peers.
PBB's Profit Margin has declined in the last couple of years.
PBB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 4.56% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.17%
PM growth 5Y-25.73%
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.
PBB has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, PBB has more shares outstanding
PBB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PBB is 247.54, which is on the high side as it means it would take PBB, 247.54 years of fcf income to pay off all of its debts.
PBB's Debt to FCF ratio of 247.54 is on the low side compared to the rest of the industry. PBB is outperformed by 88.37% of its industry peers.
PBB has a Debt/Equity ratio of 4.50. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of PBB (4.50) is worse than 95.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.5 | ||
| Debt/FCF | 247.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PBB have decreased strongly by -49.32% in the last year.
PBB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -16.42% yearly.
Looking at the last year, PBB shows a very strong growth in Revenue. The Revenue has grown by 38.03%.
PBB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.50% yearly.
EPS 1Y (TTM)-49.32%
EPS 3Y-11.92%
EPS 5Y-16.42%
EPS Q2Q%1344.63%
Revenue 1Y (TTM)38.03%
Revenue growth 3Y17.52%
Revenue growth 5Y12.5%
Sales Q2Q%-3.85%
3.2 Future
The Earnings Per Share is expected to grow by 30.68% on average over the next years. This is a very strong growth
PBB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.35% yearly.
EPS Next Y21.91%
EPS Next 2Y34.83%
EPS Next 3Y30.68%
EPS Next 5YN/A
Revenue Next Year-5.72%
Revenue Next 2Y-4.02%
Revenue Next 3Y-2.35%
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
PBB is valuated reasonably with a Price/Earnings ratio of 8.02.
Compared to the rest of the industry, the Price/Earnings ratio of PBB indicates a somewhat cheap valuation: PBB is cheaper than 67.44% of the companies listed in the same industry.
PBB is valuated cheaply when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 6.53, which indicates a rather cheap valuation of PBB.
Based on the Price/Forward Earnings ratio, PBB is valued cheaply inside the industry as 88.37% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.53, PBB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.02 | ||
| Fwd PE | 6.53 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PBB indicates a somewhat cheap valuation: PBB is cheaper than 65.12% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.22 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PBB's earnings are expected to grow with 30.68% in the coming years.
PEG (NY)0.37
PEG (5Y)N/A
EPS Next 2Y34.83%
EPS Next 3Y30.68%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 15.77%, PBB is a good candidate for dividend investing.
PBB's Dividend Yield is rather good when compared to the industry average which is at 4.31. PBB pays more dividend than 100.00% of the companies in the same industry.
PBB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.77% |
5.2 History
The dividend of PBB decreases each year by -2.40%.
Dividend Growth(5Y)-2.4%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y34.83%
EPS Next 3Y30.68%
DEUTSCHE PFANDBRIEFBANK AG
FRA:PBB (1/15/2025, 5:29:41 PM)
5.21
+0.35 (+7.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners27.72%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap700.64M
Analysts50.77
Price Target6.06 (16.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 15.77% |
Dividend Growth(5Y)-2.4%
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)-0.95%
PT rev (3m)2.46%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.93%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.01%
Revenue NY rev (3m)-0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.02 | ||
| Fwd PE | 6.53 | ||
| P/S | 0.52 | ||
| P/FCF | 9.22 | ||
| P/OCF | 9.22 | ||
| P/B | 0.21 | ||
| P/tB | 0.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.65
EY12.48%
EPS(NY)0.8
Fwd EY15.32%
FCF(TTM)0.57
FCFY10.85%
OCF(TTM)0.57
OCFY10.85%
SpS9.95
BVpS25.07
TBVpS24.67
PEG (NY)0.37
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.13% | ||
| ROE | 1.81% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 4.56% | ||
| GM | N/A | ||
| FCFM | 5.68% |
ROA(3y)0.27%
ROA(5y)0.25%
ROE(3y)4.4%
ROE(5y)4.25%
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-25.17%
PM growth 5Y-25.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.5 | ||
| Debt/FCF | 247.54 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 124.59% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC9.23%
ROIC/WACCN/A
Cap/Depr(3y)88.58%
Cap/Depr(5y)87.94%
Cap/Sales(3y)2.69%
Cap/Sales(5y)2.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-49.32%
EPS 3Y-11.92%
EPS 5Y-16.42%
EPS Q2Q%1344.63%
EPS Next Y21.91%
EPS Next 2Y34.83%
EPS Next 3Y30.68%
EPS Next 5YN/A
Revenue 1Y (TTM)38.03%
Revenue growth 3Y17.52%
Revenue growth 5Y12.5%
Sales Q2Q%-3.85%
Revenue Next Year-5.72%
Revenue Next 2Y-4.02%
Revenue Next 3Y-2.35%
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 1Y103.34%
FCF growth 3Y-54.31%
FCF growth 5YN/A
OCF growth 1Y103.34%
OCF growth 3Y-53.5%
OCF growth 5YN/A