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STOCK COMPARISON

Bank Capital Indonesia Tbk vs DBS Group Holdings: Fair Value & Quality

Both stocks run through our valuation models. Here is how Bank Capital Indonesia Tbk (BACA) and DBS Group Holdings (D05) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Bank Capital Indonesia Tbk as the less overvalued of the two: Bank Capital Indonesia Tbk trades at IDR 116 versus a fair value of IDR 94 (-19%), while DBS Group Holdings trades at S$77.48 versus S$40.48 (-48%).
Bank Capital Indonesia Tbk
BACA.JK · IDR · Financials
-19%
upside to fair value
overvalued
PriceIDR 116
Fair ValueIDR 94
Quality49/100
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.48
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

Bank Capital Indonesia TbkDBS Group Holdings
Valuation
17.8×P/E (TTM)20.2×
1.87×P/S (TTM)7.73×
0.35×P/B2.50×
n/aPEG3.44×
−19.3%Fair value upside−47.8%
n/aDividend yield3.7%
n/aDividend per shareS$2.85
Profitability
12%Operating margin60%
1.43×EBIT margin trend (5Y)0.99×
2%Return on equity16%
1%Return on assets1%
Growth
20%Revenue growth (YoY)3%
11.5%Avg. growth/yr (3Y)11.6%
7.7%Avg. growth/yr (5Y)9.4%
+6.5%Value creation/yr+12.7%
Balance & size
0.2×Interest coverage (EBIT/interest)0.6×
n/aDebt / equity0.69×
$233MMarket cap$172B
healthyGrowth qualityhealthy

Even match: 5 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.

Bank Capital Indonesia Tbkof which business quality 47 · market factors 34 DBS Group Holdingsof which business quality 61 · market factors 93
ProfitabilityMargins and returns on capital today
17
38
Quality GrowthAre margins and returns improving?
59
54
CashflowEarnings quality: real cash, not paper profit
41
84
Fin. StrengthBalance sheet, leverage, solvency risk
45
56
InvestmentDisciplined investing over empire-building
49
78
Low VolatilityCalm price path (market factor)
56
100
MomentumPrice trend over the last 3–12 months (market factor)
32
86
52W MomentumDistance to the 52-week high (market factor)
13
98
Net IssuanceShare count: buybacks or dilution?
90
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 familyBank Capital Indonesia TbkPrice IDR 116DBS Group HoldingsPrice S$77.48
Dividend Discountn/a-35%below the priceS$50.54
Multiples-18%below the priceIDR 95-46%below the priceS$42.04
Asset-Based+96%above the priceIDR 227-79%below the priceS$16.26
Economic Profit+66%above the priceIDR 193-60%below the priceS$31.26
Minimum-18%below the priceIDR 95-79%below the priceS$16.26
Maximum+96%above the priceIDR 227-35%below the priceS$50.54
Median+66%above the priceIDR 193-53%below the priceS$36.65
Geometric mean+39%above the priceIDR 161-58%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%.

Bank Capital Indonesia Tbk: 2 of 4 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.

Bank Capital Indonesia Tbk
Price IDR 116
Fair Value IDR 94
Bear IDR 70Bull IDR 117
DBS Group Holdings
Price S$77.48
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.

Bank Capital Indonesia Tbk · Financials

Quality score49 · below median
Fair value upside-19% · below median

DBS Group Holdings · Financials

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

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Bank Capital Indonesia Tbk as the less overvalued of the two: Bank Capital Indonesia Tbk trades at IDR 116 versus a fair value of IDR 94 (-19%), while DBS Group Holdings trades at S$77.48 versus S$40.48 (-48%).

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

Open Bank Capital Indonesia Tbk live analysis →
Bank Capital Indonesia Tbk · DBS Group Holdings

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