DB (Deutsche Bank AG) Effective Interest Rate on Debt %: 17.42% (As of Mar. 2026)


DB Deutsche Bank AG DB
55 GF Score
Price $35.84
GF Value $21.39
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Deutsche Bank AG Effective Interest Rate on Debt %?

Deutsche Bank AG DB +5.85% 55 Effective Interest Rate on Debt % is 17.42% as of Mar. 2026. GuruFocus rates DB with a GF Score™ of 55/100 and a GF Value™ of $21.39 (Significantly Overvalued). The stock has 1 warning sign investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Deutsche Bank AG's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $30,613 Mil. Deutsche Bank AG's average total debt for the quarter that ended in Mar. 2026 was $175,719 Mil. Therefore, Deutsche Bank AG's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 17.42%.


Deutsche Bank AG  (NYSE:DB) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Deutsche Bank AG Effective Interest Rate on Debt % Related Terms


Deutsche Bank AG Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Deutsche Bank AG's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Deutsche Bank AG Effective Interest Rate on Debt % Chart

Deutsche Bank AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.31 6.80 21.28 24.06 19.18

Deutsche Bank AG Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 22.50 22.62 21.87 18.23 17.42

DB vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Deutsche Bank AG's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Deutsche Bank AG Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Deutsche Bank AG's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Deutsche Bank AG's Effective Interest Rate on Debt % falls into.


DB
55GF Score
Deutsche Bank AG DB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Deutsche Bank AG Effective Interest Rate on Debt % Calculation

Deutsche Bank AG's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -33686.183/( (158628.272+192566.744)/ 2 )
=-1  *  -33686.183/175597.508
=19.18 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=148268.063 + 10360.209
=158628.272

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=171250.585 + 21316.159
=192566.744

Deutsche Bank AG's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -30612.716/( (192566.744+158871.677)/ 2 )
=-1  *  -30612.716/175719.2105
=17.42 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=171250.585 + 21316.159
=192566.744

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=130825.434 + 28046.243
=158871.677

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 17.42% mean?
Deutsche Bank AG (DB) has a Effective Interest Rate on Debt % of 17.42% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Deutsche Bank AG and its competitors.
Is Deutsche Bank AG's Effective Interest Rate on Debt % too high?
Deutsche Bank AG's current Effective Interest Rate on Debt % is 17.42%. Overall, Deutsche Bank AG has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Deutsche Bank AG's Effective Interest Rate on Debt % compare to PNC and USB?
Deutsche Bank AG's Effective Interest Rate on Debt % of 17.42% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Deutsche Bank AG and its competitors. Deutsche Bank AG's current Effective Interest Rate on Debt % is 17.42%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Deutsche Bank AG stock overvalued right now?
Based on GuruFocus' analysis, Deutsche Bank AG (DB) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.39, compared to a current price of $35.84 — trading 67.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 17.42%. Deutsche Bank AG's overall GF Score™ is 55/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Deutsche Bank AG (DB), the current Effective Interest Rate on Debt % is 17.42% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Deutsche Bank AG (DB) Overvalued in 2026?

Based on GuruFocus' analysis, Deutsche Bank AG stock appears to be overvalued. The current stock price of $35.84 is trading 67.6% above its estimated GF Value™ of $21.39. GuruFocus considers Deutsche Bank AG to be Significantly Overvalued.

Key valuation signals for DB:

  • Effective Interest Rate on Debt %: 17.42%
  • GF Value™: $21.39 vs. price of $35.84 (67.6% above fair value)
  • GF Score™: 55/100 with 1 warning sign

No single metric tells the full story. See the DB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Deutsche Bank AG Business Description

Address Taunusanlage 12, Frankfurt am Main, HE, DEU, 60325
Deutsche Bank is a universal bank operating on a global scale. It offers corporate, retail, investment banking, private banking, and asset management to its clients.
55GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.84
Price
$21.39
GF Value