Deutsche Pfandbriefbank AGSTU:PBB -0.12%56 Net Margin % is 6.49% as of Mar. 2026, which is 81% below its 10-year median of 34.53. GuruFocus rates STU:PBB with a GF Score™ of 56/100 and a GF Value™ of €4.35 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Deutsche Pfandbriefbank AG ranks worse than 99.35% on this metric.
The historical rank and industry rank for Deutsche Pfandbriefbank AG's Net Margin % or its related term are showing as below:
STU:PBB'
s Net Margin % Range Over the Past 10 Years
Min: -80.37 Med: 34.53 Max: 40.53
Current: -80.37
STU:PBB's Net Margin % is ranked worse than 99.35% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STU:PBB: -80.37
Deutsche Pfandbriefbank AG (STU:PBB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Deutsche Pfandbriefbank AG Net Margin % Related Terms
Deutsche Pfandbriefbank AG Net Margin % Historical Data
* 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.
STU:PBB vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, Deutsche Pfandbriefbank AG's Net Margin %, along with its competitors' market caps and Net Margin % 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 Pfandbriefbank AG Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Deutsche Pfandbriefbank AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Deutsche Pfandbriefbank AG's Net Margin % falls into.
* 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 Pfandbriefbank AG (STU:PBB) has a Net Margin % of 6.49% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Deutsche Pfandbriefbank AG and its competitors. This is 81% below median its historical median of 34.53. According to the industry distribution chart, Deutsche Pfandbriefbank AG ranks #1517 out of 1527 companies in the Banks industry, placing it in the top 99.3%.
Is Deutsche Pfandbriefbank AG's Net Margin % too high?
Deutsche Pfandbriefbank AG's current Net Margin % of 6.49% is 81% below median its 10-year median of 34.53. The Banks industry median Net Margin % is 26.95. Deutsche Pfandbriefbank AG's value of 6.49% is 75.9% below this industry median. Based on the distribution chart, Deutsche Pfandbriefbank AG ranks #1517 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Deutsche Pfandbriefbank AG has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Deutsche Pfandbriefbank AG's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Deutsche Pfandbriefbank AG ranks #1517 out of 1527 companies for Net Margin %. This places Deutsche Pfandbriefbank AG in the lower half of its industry. The industry median Net Margin % is 26.95. Deutsche Pfandbriefbank AG's value of 6.49% is 75.9% below this benchmark. While the company's 10-year median is 34.53 vs. the industry median of 26.95, Deutsche Pfandbriefbank AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Deutsche Pfandbriefbank AG's current Net Margin % of 6.49% is 75.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Deutsche Pfandbriefbank AG and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Deutsche Pfandbriefbank AG's current Net Margin % is 6.49%, which is 81% below median its own 10-year median of 34.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Deutsche Pfandbriefbank AG stock overvalued right now?
Based on GuruFocus' analysis, Deutsche Pfandbriefbank AG (STU:PBB) is currently considered Modestly Undervalued. The stock's GF Value™ is €4.35, compared to a current price of €3.23 — trading 25.7% below its estimated fair value. The current Net Margin % is 6.49%, which is 81% below median its 10-year median of 34.53 and 75.9% below the Banks industry median of 26.95. Deutsche Pfandbriefbank AG's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Deutsche Pfandbriefbank AG (STU:PBB), the current Net Margin % is 6.49% 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 Pfandbriefbank AG (STU:PBB) Overvalued in 2026?
Based on GuruFocus' analysis, Deutsche Pfandbriefbank AG stock appears to be undervalued.
The current stock price of €3.23 is trading 25.7% below its estimated GF Value™ of €4.35.
GuruFocus considers Deutsche Pfandbriefbank AG to be Modestly Undervalued.
Key valuation signals for STU:PBB:
Net Margin %: 6.49% (81% below median its 10-year median of 34.53)
GF Value™: €4.35 vs. price of €3.23 (25.7% below fair value)
Industry Position: 75.9% below the Banks median (#1517 of 1527)
No single metric tells the full story. See the STU:PBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Deutsche Pfandbriefbank AG is a specialist bank focused on financing commercial real estate and public investments. It operates through the Real Estate Finance (REF) segment, which provides financing to professional real estate investors and developers, the Non-Core (NC) segment, which includes financing for public infrastructure and public sector lending, and the Consolidation & Adjustments (C&A) segment. In the REF segment, the bank mainly serves national and international real estate companies, institutional investors, real estate funds, and, particularly in Germany, medium-sized and regional clients, with borrowers typically structured as special purpose vehicles. The majority of the bank's revenue is derived from the Real Estate Finance segment.
56GF Score
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