DB vs. WSE: Deutsche Bank vs. Wise Stock Comparison
How do Deutsche Bank (DB) and Wise (WSE) 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 Wise (WSE) both fall under the Financial Services industry group, but DB is classified in Capital Markets while WSE is classified in Financial Services.
Deutsche Bank (DB) has been public since November 18, 1996, giving it decades of market history across multiple cycles, while Wise (WSE) listed only on May 11, 2026 and lacks comparable through-cycle data.
| Profile Item | DB | WSE |
|---|---|---|
| Name | Deutsche Bank AG | Wise Group plc |
| Country/Region | Germany | United Kingdom |
| 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 | 10.76 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | November 18, 1996 | May 11, 2026 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | DB | WSE |
|---|---|---|
| Total Return (1Y) | 3.59% | -- |
| Total Return (3Y, Annualized) | 52.91% | -- |
| Total Return (5Y, Annualized) | 26.98% | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | DB | WSE |
|---|---|---|
| Volatility (1Y, Annualized) | 35.30% | 44.06% |
| Beta (5Y) | 1.04 | 1.56 |
| Max Drawdown (5Y) | -54.19% | -32.47% |
| Avg. Volume (3M) | 2.22M | 1.74M |
Risk-Adjusted Performance
Risk-Return Positioning
Both DB and WSE need 1-year volatility and 1-year return to plot risk-return positioning.
Risk-Adjusted Metrics
| Metric | DB | WSE |
|---|---|---|
| Sharpe Ratio (1Y) | -0.02 | -- |
| Sortino Ratio (1Y) | -0.03 | -- |
Profitability
ROE (TTM)
Wise (WSE) at 27.23% sits in the top ROE quartile, while Deutsche Bank (DB) at 8.98% is closer to the peer norm — stronger capital efficiency for WSE.
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%
WSE
Financial Services industry group
27.23%
- Max
- 44.78%
- WSE
- 27.23%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Deutsche Bank (DB) at 22.67% and Wise (WSE) at 19.93% 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%
WSE
Financial Services industry group
19.93%
- Max
- 62.84%
- Q3
- 28.05%
- WSE
- 19.93%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of Deutsche Bank (DB) at 33.58%, which runs around its industry’s norm.
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%
WSE
Financial Services industry group
59.77%
- Max
- 107.33%
- WSE
- 59.77%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | DB | WSE |
|---|---|---|
| ROE (TTM) | 8.98% | 27.23% |
| ROA (TTM) | 0.48% | 2.41% |
| Net Margin (TTM) | 22.67% | 19.93% |
| Operating Margin (TTM) | 33.58% | 59.77% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Deutsche Bank (DB) at 6.83% and Wise (WSE) at 17.14% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Deutsche Bank (DB) at 130.39% sits in the top EPS growth quartile, while Wise (WSE) at -5.78% is closer to the peer norm — faster per-share earnings growth for DB.
Growth Metrics
| Metric | DB | WSE |
|---|---|---|
| Revenue Growth (YoY) | 6.83% | 17.14% |
| Revenue Growth (3Y CAGR) | 6.39% | 30.26% |
| EPS Growth (YoY) | 130.39% | -5.78% |
| EPS Growth (3Y CAGR) | 10.02% | 52.89% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Deutsche Bank (DB) in Financial Services and Wise (WSE) 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 Wise (WSE) 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 | WSE |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Wise (WSE) 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%
WSE
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Wise (WSE) 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%
WSE
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | DB | WSE |
|---|---|---|
| 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 Wise (WSE) at 23.23 is closer to its industry’s usual earnings multiple — a discount for DB, though growth and earnings durability still matter.
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
WSE
Financial Services industry group
23.23
- Max
- 45.85
- Q3
- 24.64
- WSE
- 23.23
- 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 Wise (WSE) at 4.30 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
WSE
Financial Services industry group
4.30
- Max
- 9.23
- Q3
- 4.57
- WSE
- 4.30
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Deutsche Bank (DB) at 0.72 looks cheap against book in the lower P/B ratio quartile, while Wise (WSE) at 5.94 carries a premium in the upper quartile — a clear price-to-book gap.
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
WSE
Financial Services industry group
5.94
- Max
- 7.79
- WSE
- 5.94
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | DB | WSE |
|---|---|---|
| P/E Ratio (TTM) | 9.00 | 23.23 |
| P/S Ratio (TTM) | 2.11 | 4.30 |
| P/B Ratio (MRQ) | 0.72 | 5.94 |
| Free Cash Flow Yield (TTM) | -- | -- |