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STOCK COMPARISON

Century Financial vs DBS Group Holdings: Fair Value & Quality

Both stocks run through our valuation models. Here is how Century Financial (CYFL) and DBS Group Holdings (D05) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Century Financial as the less overvalued of the two: Century Financial trades at $49.80 versus a fair value of $42.74 (-14%), while DBS Group Holdings trades at S$77.48 versus S$40.39 (-48%).
Century Financial
CYFL · USD · Financials
-14%
upside to fair value
overvalued
Price$49.80
Fair Value$42.74
Quality56/100
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.48
Fair ValueS$40.39
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

Century FinancialDBS Group Holdings
Valuation
8.9×P/E (TTM)19.8×
3.19×P/S (TTM)7.58×
1.24×P/B2.49×
5.8×EV/EBITDAn/a
n/aPEG2.63×
−14.2%Fair value upside−47.9%
1.5%Dividend yield3.7%
$0.76Dividend per shareS$2.85
Profitability
41%Operating margin61%
1.10×EBIT margin trend (5Y)0.99×
14%Return on equity16%
2%Return on assets1%
Growth
1%Revenue growth (YoY)7%
14.8%Avg. growth/yr (3Y)11.6%
10.3%Avg. growth/yr (5Y)9.4%
+16.1%Value creation/yr+12.7%
Balance & size
2.6×Interest coverage (EBIT/interest)0.6×
n/aDebt / equity0.69×
$82MMarket cap$172B
mixedGrowth qualityhealthy

Century Financial leads: 10 to 3 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.

Century Financialof which business quality 51 · market factors 80 DBS Group Holdingsof which business quality 61 · market factors 94
ProfitabilityMargins and returns on capital today
39
38
Quality GrowthAre margins and returns improving?
46
54
CashflowEarnings quality: real cash, not paper profit
78
84
Fin. StrengthBalance sheet, leverage, solvency risk
10
56
InvestmentDisciplined investing over empire-building
64
78
Low VolatilityCalm price path (market factor)
79
100
MomentumPrice trend over the last 3–12 months (market factor)
71
88
52W MomentumDistance to the 52-week high (market factor)
99
98
Net IssuanceShare count: buybacks or dilution?
87
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 familyCentury FinancialPrice $49.80DBS Group HoldingsPrice S$77.48
Dividend Discount-70%below the price$15.11-35%below the priceS$50.43
Multiples+29%above the price$64.15-46%below the priceS$41.94
Asset-Based-46%below the price$26.85-79%below the priceS$16.22
Economic Profit-20%below the price$39.83-60%below the priceS$31.19
Minimum-70%below the price$15.11-79%below the priceS$16.22
Maximum+29%above the price$64.15-35%below the priceS$50.43
Median-33%below the price$33.34-53%below the priceS$36.57
Geometric mean-36%below the price$31.91-58%below the priceS$32.16

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%.

Century Financial: 4 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.

Century Financial
Price $49.80
Fair Value $42.74
Bear $36.31Bull $80.18
DBS Group Holdings
Price S$77.48
Fair Value S$40.39
Bear S$29.31Bull S$50.48

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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.

Century Financial · Financials

Quality score56 · above median
Fair value upside-14% · 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 Century Financial as the less overvalued of the two: Century Financial trades at $49.80 versus a fair value of $42.74 (-14%), while DBS Group Holdings trades at S$77.48 versus S$40.39 (-48%).

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

Open Century Financial 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.