Stock Markets February 16, 2026

Deutsche Bank Sees Roughly $11 Billion Weekly Flow Into U.S. Stocks from Tax Refunds

Economists at the bank expect broader refund season to add $50–$100 billion and lift consumer spending, though market reaction may be muted

By Ajmal Hussain
Deutsche Bank Sees Roughly $11 Billion Weekly Flow Into U.S. Stocks from Tax Refunds

Deutsche Bank strategists estimate that the current cycle of individual tax refunds, which runs through mid-April, could channel about $11 billion a week into U.S. equities. Bank economists project an extra $50 billion to $100 billion in refunds this season and say the payments could support consumer spending, but note that weaker fiscal stimulus compared with 2021 and fragile investor risk appetite may limit the equity impact.

Key Points

  • Deutsche Bank strategist Parag Thatte estimates around $11 billion per week could flow into U.S. stocks as tax refunds are distributed through mid-April.
  • Bank economists expect an additional $50 billion to $100 billion in individual tax refunds this year, which may bolster consumer spending and demand.
  • Deutsche Bank raised earnings forecasts for Q1 and full-year 2026, with notable upgrades for South Korea and Taiwan linked to artificial intelligence demand; global Q4 earnings rose about 15%, the strongest in roughly three-and-a-half years.

Deutsche Bank strategist Parag Thatte estimates U.S. equities may attract roughly $11 billion in weekly inflows as individual tax refunds are paid out through mid-April. Thatte noted in his research that the interval from mid-February to mid-April typically accounts for approximately one-third of annual inflows into U.S. stocks.

Bank economists in the same group are forecasting an additional $50 billion to $100 billion in individual tax refunds this year. The team flagged the potential for those funds to increase consumer spending, which could have knock-on effects for the broader economy and market demand.

Thatte warned, however, that the boost to equity flows may not be as pronounced as in 2021, when fiscal stimulus payments were substantially larger. He emphasized that whether refunds translate into higher stock prices will depend on how investors view growth prospects and the balance of market risk. The strategist also said that "risk appetite so far this year has been fragile," citing the AI-led selloff in software names as an example of that hesitation.

In a related analysis, Deutsche Bank reported that global corporate earnings rose by about 15% in the fourth quarter, reaching their highest level in roughly three-and-a-half years. The bank attributed the gains primarily to stronger results in emerging markets and the United States.

Following that performance, Deutsche Bank raised its earnings estimates for the first quarter and for the full year 2026. The bank highlighted South Korea and Taiwan as markets that saw material upward revisions, tying those upgrades to demand driven by artificial intelligence.

Taken together, the bank's note lays out a scenario where a meaningful stream of tax-related cash flows and firmer earnings expectations could support markets, but also cautions that subdued risk appetite and the scale of fiscal support relative to earlier stimulus years limit the certainty of those outcomes.

Risks

  • Lower fiscal stimulus compared with 2021 could reduce the equity-market impact of tax refunds, tempering the boost to stock flows - this affects overall equity markets and consumer-facing sectors.
  • Market perceptions of growth and risk will influence whether refunds translate into higher stock prices; fragile risk appetite makes outcomes uncertain - relevant to risk-sensitive sectors such as software and technology.
  • AI-driven volatility, exemplified by the selloff in software names, may suppress investor willingness to deploy refund-driven cash into equities - this particularly impacts technology and software stocks.

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