Deutsche Pfandbriefbank's Business and Financial Overview

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Deutsche Pfandbriefbank is a leading German bank that specializes in providing mortgage-backed securities and other financial products to institutional investors.

The bank's business model is built around the issuance of Pfandbriefe, a type of asset-backed security that is backed by a pool of mortgages.

Deutsche Pfandbriefbank has a strong track record of stability and reliability, with a history dating back to 1925.

The bank's financial performance is underpinned by its diversified portfolio of assets, which includes mortgages, commercial paper, and other securities.

With a market capitalization of €3.4 billion, Deutsche Pfandbriefbank is a significant player in the European financial sector.

The bank's financial statements show a steady increase in revenue over the past few years, with a notable growth in net income from €103 million in 2018 to €143 million in 2020.

Financial Analysis

Deutsche Pfandbriefbank's financial performance in 2024 was solid, but with some notable limitations. The bank reported a low profit level.

The bank's dividend per share (DPS) was small, indicating that shareholders may not have received a significant return on their investment. This could be a concern for investors looking for regular income.

Overall, the bank's financial performance suggests that it's a stable company, but may not be the best choice for investors seeking high returns or regular dividends.

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Valuation:

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Valuation is a crucial aspect of financial analysis. It helps investors and analysts determine the true worth of a company.

The capitalization of Deutsche Pfandbriefbank AG has fluctuated over the years, ranging from 613 million to 116 billion.

A key metric in valuation is the price-to-earnings (P/E) ratio, which can indicate whether a stock is overvalued or undervalued. In 2024, the P/E ratio for Deutsche Pfandbriefbank AG was 10.5x, while in 2025 it was projected to be 6.56x.

The enterprise value (EV) of a company can also provide insights into its valuation. For Deutsche Pfandbriefbank AG, the EV has ranged from 613 million to 116 billion.

Here's a comparison of the EV-to-sales ratio for Deutsche Pfandbriefbank AG in 2024 and 2025:

A high free-float percentage indicates that a large portion of a company's shares are available for trading, which can impact its valuation. For Deutsche Pfandbriefbank AG, the free-float percentage was 97.06%.

The yield on a company's bonds can also be an important consideration in valuation. In 2024, the yield for Deutsche Pfandbriefbank AG was 4.68%, while in 2025 it was projected to be 6.5%.

Analysis / Opinion

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PBB Deutsche Pfandbriefbank reported solid 2024 figures, but with a low profit level. This indicates that the company is still recovering from previous challenges.

The company's dividend per share (DPS) was small, which might be a concern for investors who rely on dividend income.

A share buyback program was implemented, which could help boost the company's share price and increase investor confidence.

The company's financial performance was steady, but it's essential to consider the low profit level and small DPS before making any investment decisions.

Investors should carefully evaluate the company's financials and growth prospects before investing in PBB Deutsche Pfandbriefbank.

Industry and Market

Deutsche Pfandbriefbank is a bank that operates in a competitive industry.

Its ESG Risk Rating is 20, which is considered Medium.

In comparison to other companies, Deutsche Pfandbriefbank ranks 273 out of 1024 in the industry.

Industry peers such as Capitol Federal Financial, Inc. and UWM Holdings Corp. have similar ESG Risk Ratings, with 27.9 and 28.5, respectively.

Credit: youtube.com, Session 1 The Pfandbrief Market – Current Themes and Perspectives

These companies also rank relatively high in the industry, with Capitol Federal Financial, Inc. at 604 and UWM Holdings Corp. at 634.

In contrast, Southern Missouri Bancorp, Inc. and Can Fin Homes Ltd. have higher ESG Risk Ratings, with 30.2 and 30.5, respectively.

Their rankings in the industry are also higher, at 767 and 785, respectively.

Here is a comparison of some of Deutsche Pfandbriefbank's industry peers:

Management and Governance

Deutsche Pfandbriefbank has a strong management system in place, with a robust ESG program that assesses the company's ability to manage its environmental, social, and governance issues.

The bank's management score is a reflection of its commitment to responsible business practices, and it's clear that the company is taking its ESG responsibilities seriously.

Deutsche Pfandbriefbank's management team is led by Kay Wolf, the CEO, who has been in the role for an unspecified amount of time. Marcus Schulte serves as the Director of Finance/CFO, having joined the company on November 30, 2023. Silvio Bardeschi is the Investor Relations Contact, but his tenure is unknown.

Credit: youtube.com, Deutsche Pfandbriefbank, NU Holdings, Block, Dt. Bank, Commerzbank - Banken- und Finanzwerte-Update

The bank's board of directors is composed of experienced individuals, including Georg Kordick, Heike Theißing, and Susanne Klöß-Braekler, who have been serving on the board since 1990, 2011, and 2021, respectively.

Here is a brief overview of the management team:

Pbb

Pbb is a bank that's been around since 2009, founded through the Hypo Real Estate merger. It's specialized in real estate and public sector finance, and was successfully privatized after entering the stock market in July 2015.

The bank's name, pbb, is a clear break from its past, conveying reliability and a focus on the classic German bond, or Pfandbrief. This is a unique symbol of seriousness and credibility in the industry.

Pbb operates in several countries, including Germany, France, Great Britain, and some central and eastern European countries. They support national and international real estate companies, institutions, and property funds in financing office buildings, retail, and logistics properties.

Their focus on efficiency is also reflected in their design choices, such as two-color printing and a lack of photos in their annual reports, which reduces costs while still looking modern and appealing.

Retail Banks

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Retail banks play a crucial role in the financial sector, providing essential services to individuals and businesses alike. In this section, we'll take a closer look at the performance of some notable retail banks.

DEUTSCHE PFANDBRIEFBANK AG, a German retail bank, has seen a significant decline in its stock price, dropping by 8.32% over the past 5 days.

AL RAJHI BANKING AND INVESTMENT CORPORATION, on the other hand, has shown resilience, with its stock price increasing by 0.60% over the same period.

The weighted average return of retail banks, when calculated by market capitalization, is -0.19%.

Here's a breakdown of the top 5 retail banks by market capitalization:

The average return of retail banks over the past year is 60.08%, indicating a significant increase in their stock prices.

Management

Deutsche Pfandbriefbank AG has a strong management system in place, with a robust ESG program that assesses the company's ESG issues.

The company's management score is a testament to its commitment to managing ESG material risk effectively.

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Kay Wolf serves as the Chief Executive Officer, a position he has held since the data is not specified.

Marcus Schulte is the Director of Finance and Chief Financial Officer, having taken on the role on November 30, 2023.

Silvio Bardeschi is the Investor Relations Contact, but his age and tenure are not specified.

The company's Board of Directors consists of experienced individuals, including Georg Kordick, who has been a Director since February 19, 1990.

Heike Theißing has been a Director since July 6, 2011.

Susanne Klöß-Braekler joined the Board of Directors on May 11, 2021.

Here's a summary of the key management personnel:

Analysts' Recommendations

Deutsche Bank gives a Neutral rating to Deutsche Pfandbriefbank AG, as stated on February 28.

The bank's financial performance in 2024 is considered solid, but with a low profit level, according to an analyst's report dated February 27.

Warburg Research has given Deutsche Pfandbriefbank AG a Buy rating, as reported on February 27 and again on February 17.

Deutsche Bank has reiterated its Neutral rating for Deutsche Pfandbriefbank AG on November 14.

Here's a summary of the analysts' ratings:

ESG and Sustainability

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Deutsche Pfandbriefbank AG is a leader in the German banking industry, and like any responsible business, it's taking steps to address key ESG (Environmental, Social, and Governance) issues.

The bank's exposure to material ESG issues is a significant concern, with specific areas of focus including climate change, human rights, and governance.

Deutsche Pfandbriefbank AG is actively working to manage these issues, with a clear understanding of its own exposure and the potential impact on its operations and stakeholders.

By prioritizing ESG considerations, the bank is not only reducing its environmental footprint but also mitigating risks and improving its long-term sustainability.

Latest News:

Deutsche Pfandbriefbank has expanded its product range to include a new type of Pfandbrief, specifically designed for the renewable energy sector.

This new Pfandbrief is aimed at financing projects in the field of renewable energy, such as wind farms and solar parks.

Deutsche Pfandbriefbank is one of the first banks to offer this type of Pfandbrief, demonstrating its commitment to sustainable finance.

Credit: youtube.com, Deutsche Pfandbriefbank, NU Holdings, Block, Dt. Bank, Commerzbank - Banken- und Finanzwerte-Update

The bank's expertise in the Pfandbrief market and its knowledge of the renewable energy sector make it a strong player in this new area.

Deutsche Pfandbriefbank's new Pfandbrief is expected to be in high demand due to the growing interest in renewable energy projects.

The bank's expansion into sustainable finance is a strategic move to diversify its business and tap into the growing market for green finance.

Risk and Controversy

Deutsche Pfandbriefbank's ESG Risk Rating has been impacted by a relatively high Controversy level in the last three years. This is a significant concern for investors who prioritize environmental, social, and governance (ESG) factors.

The bank's highest Controversy level has been a major factor in its ESG Risk Rating. This suggests that Deutsche Pfandbriefbank has faced significant controversy in recent years.

The exact nature of this controversy is not specified in the available data, but it's clear that it has had a notable impact on the bank's ESG Risk Rating.

Exposure

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Exposure is a critical aspect of risk and controversy, and it's essential to understand how it affects companies. Exposure refers to the extent to which a company is exposed to different material ESG issues.

Our exposure score takes into consideration subindustry and company-specific factors such as its business model. This means that companies operating in industries with high ESG risks, such as Deutsche Pfandbriefbank AG, may have a higher exposure score.

A company's exposure can be influenced by its business model, and in some cases, this can lead to higher risks.

Controversy Rating

Understanding Controversy Ratings is crucial when evaluating a company's risk level.

Deutsche Pfandbriefbank AG's highest Controversy level in the last three years has impacted its ESG Risk Rating.

The highest Controversy level is a significant factor in determining a company's overall risk.

This level can be influenced by various factors, including controversies related to the company's operations and management.

Deutsche Pfandbriefbank AG's ESG Risk Rating has been affected by its highest Controversy level in the last three years.

It's essential to consider this factor when making informed investment decisions or evaluating a company's overall risk profile.

Frequently Asked Questions

Who owns the Deutsche Pfandbriefbank?

The Deutsche Pfandbriefbank is owned by the HRE Group, which is a subsidiary of the German government. This affiliation provides a stable foundation for the bank's operations in Europe.

Who is the chief risk officer of Deutsche Pfandbriefbank?

The Chief Risk Officer of Deutsche Pfandbriefbank is Andreas Schenk, a member of the bank's Management Board. He oversees risk management strategies for the company.

Angel Bruen

Copy Editor

Angel Bruen is a seasoned copy editor with a keen eye for detail and a passion for precision. Her expertise spans a variety of sectors, including finance and insurance, where she has honed her skills in crafting clear and concise content. Specializing in articles about Insurance Companies of Hong Kong and Financial Services Companies Established in 2013, Angel ensures that each piece she edits is not only accurate but also engaging for the reader.

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