DB vs. TOST: Deutsche Bank vs. Toast Stock Comparison
How do Deutsche Bank (DB) and Toast (TOST) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Deutsche Bank (DB) and Toast (TOST) both fall under the Financial Services industry group, but DB is classified in Capital Markets while TOST is classified in Financial Services.
Deutsche Bank (DB) has more than two decades of public-market history since November 18, 1996, whereas Toast (TOST) listed on September 22, 2021 and has a much shorter record to draw on.
| Profile Item | DB | TOST |
|---|---|---|
| Name | Deutsche Bank AG | Toast, Inc. Class A Common Stock |
| Country/Region | Germany | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Diversified Capital Markets | Transaction & Payment Processing Services |
| Market Capitalization | 64.60 billion USD | 20.14 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 18, 1996 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | DB | TOST |
|---|---|---|
| Total Return (1Y) | 3.59% | -5.92% |
| Total Return (3Y, Annualized) | 52.91% | 35.73% |
| Total Return (5Y, Annualized) | 26.98% | -10.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | DB | TOST |
|---|---|---|
| Volatility (1Y, Annualized) | 35.30% | 45.32% |
| Beta (5Y) | 1.04 | 1.66 |
| Max Drawdown (5Y) | -54.19% | -79.13% |
| Avg. Volume (3M) | 2.22M | 8.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | DB | TOST |
|---|---|---|
| Sharpe Ratio (1Y) | -0.02 | -0.23 |
| Sortino Ratio (1Y) | -0.03 | -0.31 |
Profitability
ROE (TTM)
Toast (TOST) at 25.58% sits in the top ROE quartile, while Deutsche Bank (DB) at 8.98% is closer to the peer norm — stronger capital efficiency for TOST.
DB
Financial Services industry group
8.98%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- DB
- 8.98%
- Q1
- 4.48%
- Min
- -18.71%
TOST
Financial Services industry group
25.58%
- Max
- 44.78%
- TOST
- 25.58%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Deutsche Bank (DB) at 22.67% and Toast (TOST) at 7.69% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
DB
Financial Services industry group
22.67%
- Max
- 62.84%
- Q3
- 28.05%
- DB
- 22.67%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
TOST
Financial Services industry group
7.69%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- TOST
- 7.69%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Deutsche Bank (DB) at 33.58% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.
DB
Financial Services industry group
33.58%
- Max
- 107.33%
- Q3
- 55.90%
- DB
- 33.58%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
TOST
Financial Services industry group
8.63%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- TOST
- 8.63%
- Min
- -44.34%
Profitability Metrics
| Metric | DB | TOST |
|---|---|---|
| ROE (TTM) | 8.98% | 25.58% |
| ROA (TTM) | 0.48% | 10.30% |
| Net Margin (TTM) | 22.67% | 7.69% |
| Operating Margin (TTM) | 33.58% | 8.63% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Deutsche Bank (DB) at 6.83% and Toast (TOST) at 24.05% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both companies show strong earnings momentum, but Toast (TOST) at 1,766.67% is the standout with EPS growth above its industry range; Deutsche Bank (DB) at 130.39% also sits in the top quartile.
Growth Metrics
| Metric | DB | TOST |
|---|---|---|
| Revenue Growth (YoY) | 6.83% | 24.05% |
| Revenue Growth (3Y CAGR) | 6.39% | 31.10% |
| EPS Growth (YoY) | 130.39% | 1,766.67% |
| EPS Growth (3Y CAGR) | 10.02% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Deutsche Bank (DB) in Financial Services and Toast (TOST) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Deutsche Bank (DB) in Financial Services and Toast (TOST) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | DB | TOST |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Toast (TOST) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Deutsche Bank (DB) reports a yield of 2.75%, ranking against industry peers normally.
DB
Financial Services industry group
2.75%
- Max
- 9.77%
- Q3
- 3.92%
- DB
- 2.75%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
TOST
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Toast (TOST) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Deutsche Bank (DB) reports a payout of 30.04%, ranking against industry peers normally.
DB
Financial Services industry group
30.04%
- Max
- 241.07%
- Q3
- 97.36%
- DB
- 30.04%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
TOST
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | DB | TOST |
|---|---|---|
| Dividend Yield (TTM) | 2.75% | 0.00% |
| Dividend Payout Ratio (TTM) | 30.04% | 0.00% |
Valuation
P/E Ratio (TTM)
Deutsche Bank (DB) at 9.00 sits in the cheaper P/E ratio quartile, while Toast (TOST) at 38.10 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
DB
Financial Services industry group
9.00
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- DB
- 9.00
- Min
- 0.16
TOST
Financial Services industry group
38.10
- Max
- 45.85
- TOST
- 38.10
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Deutsche Bank (DB) at 2.11 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
DB
Financial Services industry group
2.11
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- DB
- 2.11
- Q1
- 1.28
- Min
- -0.55
TOST
Financial Services industry group
2.82
- Max
- 9.23
- Q3
- 4.57
- TOST
- 2.82
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Deutsche Bank (DB) at 0.72 sits in the lower P/B ratio quartile relative to book while Toast (TOST) at 8.79 prices above its industry range — a wide valuation gap against assets.
DB
Financial Services industry group
0.72
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- DB
- 0.72
- Min
- -0.39
TOST
Financial Services industry group
8.79
- TOST
- 8.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | DB | TOST |
|---|---|---|
| P/E Ratio (TTM) | 9.00 | 38.10 |
| P/S Ratio (TTM) | 2.11 | 2.82 |
| P/B Ratio (MRQ) | 0.72 | 8.79 |
| Free Cash Flow Yield (TTM) | -- | -- |