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STOCK COMPARISON

DBS Group Holdings vs Ringkjoebing Landbobank A/S: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Ringkjoebing Landbobank A/S (RILBA) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees Ringkjoebing Landbobank A/S 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 Ringkjoebing Landbobank A/S trades at DKK 1,832 versus DKK 944 (-48%).
DBS Group Holdings
D05.SG · SGD · Financials
-49%
upside to fair value
overvalued
PriceS$78.65
Fair ValueS$40.48
Quality65/100
Ringkjoebing Landbobank A/S
RILBA.CO · DKK · Financials
-48%
upside to fair value
overvalued
PriceDKK 1,832
Fair ValueDKK 944
Quality57/100
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Head-to-head numbers

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

DBS Group HoldingsRingkjoebing Landbobank A/S
Valuation
18.7×P/E (TTM)18.7×
7.23×P/S (TTM)9.92×
2.34×P/B3.54×
—EV/EBITDA13.4×
3.44×PEG2.15×
−48.5%Fair value upside−48.5%
3.6%Dividend yield0.7%
S$2.85Dividend per shareDKK 12.00
Profitability
60%Operating margin74%
0.99×EBIT margin trend (5Y)1.23×
16%Return on equity20%
1%Return on assets3%
Growth
3%Revenue growth (YoY)-2%
11.6%Avg. growth/yr (3Y)18.7%
9.4%Avg. growth/yr (5Y)16.8%
+12.6%Value creation/yr+23.9%
Balance & size
0.6×Interest coverage (EBIT/interest)4.0×
0.69×Debt / equity0.49×
$161BMarket cap$6B
healthyGrowth qualityexpensive

Ringkjoebing Landbobank A/S leads: 4 to 9 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 Ringkjoebing Landbobank A/Sof which business quality 49 · market factors 79
ProfitabilityMargins and returns on capital today
38
43
Quality GrowthAre margins and returns improving?
54
52
CashflowEarnings quality: real cash, not paper profit
84
35
Fin. StrengthBalance sheet, leverage, solvency risk
56
21
InvestmentDisciplined investing over empire-building
78
75
Low VolatilityCalm price path (market factor)
99
96
MomentumPrice trend over the last 3–12 months (market factor)
91
66
52W MomentumDistance to the 52-week high (market factor)
100
82
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$78.65Ringkjoebing Landbobank A/SPrice DKK 1,832
Dividend Discount-30%below the priceS$54.87-94%below the priceDKK 119
Multiples-47%below the priceS$42.04-47%below the priceDKK 973
Asset-Based-79%below the priceS$16.26-82%below the priceDKK 326
Economic Profit-59%below the priceS$32.23-50%below the priceDKK 924
Minimum-79%below the priceS$16.26-94%below the priceDKK 119
Maximum-30%below the priceS$54.87-47%below the priceDKK 973
Median-53%below the priceS$37.13-66%below the priceDKK 625
Geometric mean-58%below the priceS$33.16-76%below the priceDKK 432

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.

Ringkjoebing Landbobank A/S: 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)
Ringkjoebing Landbobank A/S
Bear DKK 708Fair Value DKK 944Bull DKK 1,180
DKK 1,832 = 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%

Ringkjoebing Landbobank A/S · Financials

Quality score57 · above median
Fair value upside-48% · bottom 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees Ringkjoebing Landbobank A/S 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 Ringkjoebing Landbobank A/S trades at DKK 1,832 versus DKK 944 (-48%).

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

See the full analysis →
DBS Group Holdings · Ringkjoebing Landbobank A/S

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