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STOCK COMPARISON

Shanghai Commercial & Savings Bank vs DBS Group Holdings: Fair Value & Quality

Both stocks run through our valuation models. Here is how Shanghai Commercial & Savings Bank (5876) and DBS Group Holdings (D05) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Shanghai Commercial & Savings Bank as the less overvalued of the two: Shanghai Commercial & Savings Bank trades at TWD 48.95 versus a fair value of TWD 31.27 (-36%), while DBS Group Holdings trades at S$77.69 versus S$40.48 (-48%).
Shanghai Commercial & Savings Bank
5876.TW · TWD · Financials
-36%
upside to fair value
overvalued
PriceTWD 48.95
Fair ValueTWD 31.27
Quality28/100
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.69
Fair ValueS$40.48
Quality65/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Shanghai Commercial & Savings BankDBS Group Holdings
Valuation
16.0×P/E (TTM)20.2×
6.94×P/S (TTM)7.73×
1.32×P/B2.50×
13.3×EV/EBITDAn/a
n/aPEG3.44×
−36.1%Fair value upside−47.9%
4.0%Dividend yield3.7%
n/aDividend per shareS$2.85
Profitability
59%Operating margin60%
0.49×EBIT margin trend (5Y)0.99×
6%Return on equity16%
1%Return on assets1%
Growth
11%Revenue growth (YoY)3%
14.9%Avg. growth/yr (3Y)11.6%
11.6%Avg. growth/yr (5Y)9.4%
+0.9%Value creation/yr+12.7%
Balance & size
0.5×Interest coverage (EBIT/interest)0.6×
0.33×Debt / equity0.69×
$8BMarket cap$172B
expensiveGrowth qualityhealthy

Shanghai Commercial & Savings Bank leads: 8 to 5 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Shanghai Commercial & Savings Bankof which business quality 22 · market factors 75 DBS Group Holdingsof which business quality 61 · market factors 93
ProfitabilityMargins and returns on capital today
26
38
Quality GrowthAre margins and returns improving?
34
54
CashflowEarnings quality: real cash, not paper profit
0
84
Fin. StrengthBalance sheet, leverage, solvency risk
10
56
InvestmentDisciplined investing over empire-building
87
78
Low VolatilityCalm price path (market factor)
97
100
MomentumPrice trend over the last 3–12 months (market factor)
61
86
52W MomentumDistance to the 52-week high (market factor)
74
98
Net IssuanceShare count: buybacks or dilution?
3
65

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyShanghai Commercial & Savings BankPrice TWD 48.95DBS Group HoldingsPrice S$77.69
Dividend Discount-40%below the priceTWD 29.27-35%below the priceS$50.54
Multiples-6%close to the priceTWD 45.86-46%below the priceS$42.04
Asset-Based-42%below the priceTWD 28.31-79%below the priceS$16.26
Economic Profit-26%below the priceTWD 36.04-60%below the priceS$31.26
Minimum-42%below the priceTWD 28.31-79%below the priceS$16.26
Maximum-6%close to the priceTWD 45.86-35%below the priceS$50.54
Median-33%below the priceTWD 32.65-53%below the priceS$36.65
Geometric mean-30%below the priceTWD 34.21-59%below the priceS$32.24

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Shanghai Commercial & Savings Bank: 5 of 6 models see the stock below the current price.

DBS Group Holdings: 6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Shanghai Commercial & Savings Bank
Price TWD 48.95
Fair Value TWD 31.27
Bear TWD 29.07Bull TWD 46.46
DBS Group Holdings
Price S$77.69
Fair Value S$40.48
Bear S$29.38Bull S$50.60

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Shanghai Commercial & Savings Bank · Financials

Quality score28 · bottom 25%
Fair value upside-36% · below median

DBS Group Holdings · Financials

Quality score65 · Top 25%
Fair value upside-48% · bottom 25%

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Shanghai Commercial & Savings Bank as the less overvalued of the two: Shanghai Commercial & Savings Bank trades at TWD 48.95 versus a fair value of TWD 31.27 (-36%), while DBS Group Holdings trades at S$77.69 versus S$40.48 (-48%).

DBS Group Holdings has the higher quality score (65/100).

Open Shanghai Commercial & Savings Bank live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.