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STOCK COMPARISON

DBS Group Holdings vs PNC Financial Services Group: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and PNC Financial Services Group (PNC) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees PNC Financial Services Group as the less overvalued of the two: DBS Group Holdings trades at S$78.65 versus a fair value of S$40.48 (-49%), while PNC Financial Services Group trades at $245 versus $192 (-22%).
DBS Group Holdings
D05.SG · SGD · Financials
-49%
upside to fair value
overvalued
PriceS$78.65
Fair ValueS$40.48
Quality65/100
PNC Financial Services Group
PNC · USD · Financials
-22%
upside to fair value
overvalued
Price$245
Fair Value$192
Quality63/100
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Head-to-head numbers

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

DBS Group HoldingsPNC Financial Services Group
Valuation
18.7×P/E (TTM)14.6×
7.23×P/S (TTM)4.39×
2.34×P/B1.67×
—EV/EBITDA13.8×
3.44×PEG2.00×
−48.5%Fair value upside−21.5%
3.6%Dividend yield2.7%
S$2.85Dividend per share$6.70
Profitability
60%Operating margin37%
0.99×EBIT margin trend (5Y)1.44×
16%Return on equity12%
1%Return on assets1%
Growth
3%Revenue growth (YoY)14%
11.6%Avg. growth/yr (3Y)10.0%
9.4%Avg. growth/yr (5Y)11.4%
+12.6%Value creation/yr+10.7%
Balance & size
0.6×Interest coverage (EBIT/interest)0.8×
0.69×Debt / equity0.94×
$161BMarket cap$101B
healthyGrowth qualitymixed

PNC Financial Services Group leads: 6 to 8 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 96 PNC Financial Services Groupof which business quality 54 · market factors 69
ProfitabilityMargins and returns on capital today
38
34
Quality GrowthAre margins and returns improving?
54
60
CashflowEarnings quality: real cash, not paper profit
84
57
Fin. StrengthBalance sheet, leverage, solvency risk
56
23
InvestmentDisciplined investing over empire-building
78
82
Low VolatilityCalm price path (market factor)
99
77
MomentumPrice trend over the last 3–12 months (market factor)
91
60
52W MomentumDistance to the 52-week high (market factor)
100
73
Net IssuanceBuybacks instead of dilution
65
97

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$78.65PNC Financial Services GroupPrice $245
Dividend Discount-30%below the priceS$54.87-49%below the price$125
Multiples-47%below the priceS$42.04-11%close to the price$218
Asset-Based-79%below the priceS$16.26-59%below the price$101
Economic Profit-59%below the priceS$32.23-35%below the price$159
Minimum-79%below the priceS$16.26-59%below the price$101
Maximum-30%below the priceS$54.87-11%close to the price$218
Median-53%below the priceS$37.13-42%below the price$142
Geometric mean-58%below the priceS$33.16-41%below the price$145

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.

PNC Financial Services Group: 6 of 6 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$78.65 = current price (white tick)
PNC Financial Services Group
Bear $144Fair Value $192Bull $241
$245 = 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-49% · bottom 25%

PNC Financial Services Group · Financials

Quality score63 · Top 25%
Fair value upside-22% · below median

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees PNC Financial Services Group as the less overvalued of the two: DBS Group Holdings trades at S$78.65 versus a fair value of S$40.48 (-49%), while PNC Financial Services Group trades at $245 versus $192 (-22%).

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

See the full analysis →
DBS Group Holdings · PNC Financial Services Group

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