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STOCK COMPARISON

DBS Group Holdings vs Hachijuni Bank Ltd: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Hachijuni Bank Ltd (HACBY) compare, as of Sep 8, 2026.

As of Sep 8, 2026, Fair Value Calculator sees Hachijuni Bank Ltd as the less overvalued of the two: DBS Group Holdings trades at S$78.47 versus a fair value of S$40.48 (-48%), while Hachijuni Bank Ltd trades at $32.27 versus $27.03 (-16%).
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$78.47
Fair ValueS$40.48
Quality65/100
Hachijuni Bank Ltd
HACBY · USD · Financials
-16%
upside to fair value
overvalued
Price$32.27
Fair Value$27.03
Quality73/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

DBS Group HoldingsHachijuni Bank Ltd
Valuation
18.7×P/E (TTM)18.3×
7.23×P/S (TTM)—
2.34×P/B—
3.44×PEG—
−48.4%Fair value upside−16.2%
3.6%Dividend yield2.4%
S$2.85Dividend per share$55.00
Profitability
60%Operating margin17%
0.99×EBIT margin trend (5Y)1.24×
16%Return on equity6%
1%Return on assets0%
Growth
3%Revenue growth (YoY)146%
11.6%Avg. growth/yr (3Y)17.6%
9.4%Avg. growth/yr (5Y)16.4%
+12.6%Value creation/yr+29.2%
Balance & size
0.6×Interest coverage (EBIT/interest)1.5×
0.69×Debt / equity1.00×
$161BMarket cap$6B
healthyGrowth qualityhealthy

Hachijuni Bank Ltd leads: 4 to 7 metric wins.

Dash = 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.

DBS Group Holdingsof which business quality 61 · market factors 95 Hachijuni Bank Ltdof which business quality 72 · market factors 81
ProfitabilityMargins and returns on capital today
38
29
Quality GrowthAre margins and returns improving?
54
62
CashflowEarnings quality: real cash, not paper profit
84
100
Fin. StrengthBalance sheet, leverage, solvency risk
56
70
InvestmentDisciplined investing over empire-building
78
80
Low VolatilityCalm price path (market factor)
99
50
MomentumPrice trend over the last 3–12 months (market factor)
90
91
52W MomentumDistance to the 52-week high (market factor)
100
100
Net IssuanceBuybacks instead of dilution
65
100

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 familyDBS Group HoldingsPrice S$78.47Hachijuni Bank LtdPrice $32.27
Dividend Discount-30%below the priceS$54.87n/a
Multiples-46%below the priceS$42.04+13854%above the price$4,503
Asset-Based-79%below the priceS$16.26+10433%above the price$3,399
Economic Profit-59%below the priceS$32.23+12359%above the price$4,020
Minimum-79%below the priceS$16.26+10433%above the price$3,399
Maximum-30%below the priceS$54.87+13854%above the price$4,503
Median-53%below the priceS$37.13+12359%above the price$4,020
Geometric mean-58%below the priceS$33.16+12134%above the price$3,948

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%.

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

Hachijuni Bank Ltd: 0 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

DBS Group Holdings
Bear S$30.36Fair Value S$40.48Bull S$50.60
S$78.47 = current price (white tick)
Hachijuni Bank Ltd
Bear $20.27Fair Value $27.03Bull $33.79
$32.27 = current price (white tick)

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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.

DBS Group Holdings · Financials

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

Hachijuni Bank Ltd · Financials

Quality score73 · Top 25%
Fair value upside-16% · below median

Bottom line

As of Sep 8, 2026, Fair Value Calculator sees Hachijuni Bank Ltd as the less overvalued of the two: DBS Group Holdings trades at S$78.47 versus a fair value of S$40.48 (-48%), while Hachijuni Bank Ltd trades at $32.27 versus $27.03 (-16%).

Hachijuni Bank Ltd has the higher quality score (73/100).

See the full analysis →
DBS Group Holdings · Hachijuni Bank Ltd

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