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STOCK COMPARISON

DBS Group Holdings vs Hingham Institution for Savings: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Hingham Institution for Savings (HIFS) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Hingham Institution for Savings as the less overvalued of the two: DBS Group Holdings trades at S$77.69 versus a fair value of S$40.48 (-48%), while Hingham Institution for Savings trades at $293 versus $210 (-28%).
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.69
Fair ValueS$40.48
Quality65/100
Hingham Institution for Savings
HIFS · USD · Financials
-28%
upside to fair value
overvalued
Price$293
Fair Value$210
Quality56/100
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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

DBS Group HoldingsHingham Institution for Savings
Valuation
20.2×P/E (TTM)9.8×
7.73×P/S (TTM)5.42×
2.50×P/B1.35×
n/aEV/EBITDA19.6×
3.44×PEGn/a
−47.9%Fair value upside−28.3%
3.7%Dividend yield0.9%
S$2.85Dividend per share$2.52
Profitability
60%Operating margin81%
0.99×EBIT margin trend (5Y)0.50×
16%Return on equity14%
1%Return on assets1%
Growth
3%Revenue growth (YoY)108%
11.6%Avg. growth/yr (3Y)26.0%
9.4%Avg. growth/yr (5Y)15.5%
+12.7%Value creation/yr−12.3%
Balance & size
0.6×Interest coverage (EBIT/interest)0.5×
0.69×Debt / equity1.66×
$172BMarket cap$648M
healthyGrowth qualitymixed

Hingham Institution for Savings leads: 6 to 7 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.

DBS Group Holdingsof which business quality 61 · market factors 93 Hingham Institution for Savingsof which business quality 49 · market factors 49
ProfitabilityMargins and returns on capital today
38
34
Quality GrowthAre margins and returns improving?
54
71
CashflowEarnings quality: real cash, not paper profit
84
59
Fin. StrengthBalance sheet, leverage, solvency risk
56
1
InvestmentDisciplined investing over empire-building
78
83
Low VolatilityCalm price path (market factor)
100
56
MomentumPrice trend over the last 3–12 months (market factor)
86
46
52W MomentumDistance to the 52-week high (market factor)
98
46
Net IssuanceShare count: buybacks or dilution?
65
79

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$77.69Hingham Institution for SavingsPrice $293
Dividend Discount-35%below the priceS$50.54-89%below the price$33.51
Multiples-46%below the priceS$42.04+7%close to the price$314
Asset-Based-79%below the priceS$16.26-50%below the price$146
Economic Profit-60%below the priceS$31.26-29%below the price$207
Minimum-79%below the priceS$16.26-89%below the price$33.51
Maximum-35%below the priceS$50.54+7%close to the price$314
Median-53%below the priceS$36.65-40%below the price$177
Geometric mean-59%below the priceS$32.24-54%below the price$134

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.

Hingham Institution for Savings: 4 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.

DBS Group Holdings
Price S$77.69
Fair Value S$40.48
Bear S$29.38Bull S$50.60
Hingham Institution for Savings
Price $293
Fair Value $210
Bear $188Bull $338

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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%

Hingham Institution for Savings · Financials

Quality score56 · above median
Fair value upside-28% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Hingham Institution for Savings as the less overvalued of the two: DBS Group Holdings trades at S$77.69 versus a fair value of S$40.48 (-48%), while Hingham Institution for Savings trades at $293 versus $210 (-28%).

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

Open Hingham Institution for Savings live analysis →
DBS Group Holdings · Hingham Institution for Savings

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