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STOCK COMPARISON

DBS Group Holdings vs Bank Woori Saudara Indonesia 1906: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Bank Woori Saudara Indonesia 1906 (SDRA) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees DBS Group Holdings as the less overvalued of the two: DBS Group Holdings trades at S$77.48 versus a fair value of S$40.48 (-48%), while Bank Woori Saudara Indonesia 1906 trades at IDR 206 versus IDR 84 (-59%).
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.48
Fair ValueS$40.48
Quality65/100
Bank Woori Saudara Indonesia 1906
SDRA.JK · IDR · Financials
-59%
upside to fair value
overvalued
PriceIDR 206
Fair ValueIDR 84
Quality27/100
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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 HoldingsBank Woori Saudara Indonesia 1906
Valuation
20.2×P/E (TTM)n/a
7.71×P/S (TTM)n/a
2.49×P/Bn/a
3.44×PEGn/a
−47.8%Fair value upside−59.0%
3.7%Dividend yield3.7%
S$2.85Dividend per sharen/a
Profitability
60%Operating margin33%
0.99×EBIT margin trend (5Y)n/a
16%Return on equity-8%
1%Return on assets-2%
Growth
3%Revenue growth (YoY)-7%
11.6%Avg. growth/yr (3Y)0.9%
9.4%Avg. growth/yr (5Y)4.9%
+12.7%Value creation/yrn/a
Balance & size
0.6×Interest coverage (EBIT/interest)n/a
0.69×Debt / equity0.31×
$172BMarket cap$169M
healthyGrowth qualityexpensive

DBS Group Holdings leads: 6 to 1 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 Bank Woori Saudara Indonesia 1906of which business quality 26 · market factors 36
ProfitabilityMargins and returns on capital today
38
3
Quality GrowthAre margins and returns improving?
54
13
CashflowEarnings quality: real cash, not paper profit
84
9
Fin. StrengthBalance sheet, leverage, solvency risk
56
57
InvestmentDisciplined investing over empire-building
78
91
Low VolatilityCalm price path (market factor)
100
78
MomentumPrice trend over the last 3–12 months (market factor)
86
26
52W MomentumDistance to the 52-week high (market factor)
98
5
Net IssuanceShare count: buybacks or dilution?
65
0

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$77.48Bank Woori Saudara Indonesia 1906Price IDR 206
Dividend Discount-35%below the priceS$50.54-56%below the priceIDR 91
Multiples-46%below the priceS$42.04n/a
Asset-Based-79%below the priceS$16.26+135%above the priceIDR 484
Economic Profit-60%below the priceS$31.26n/a
Minimum-79%below the priceS$16.26-56%below the priceIDR 91
Maximum-35%below the priceS$50.54+135%above the priceIDR 484
Median-53%below the priceS$36.65+40%above the priceIDR 288
Geometric mean-58%below the priceS$32.24+2%close to the priceIDR 210

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.

Bank Woori Saudara Indonesia 1906: 2 of 3 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$77.48
Fair Value S$40.48
Bear S$29.38Bull S$50.60
Bank Woori Saudara Indonesia 1906
Price IDR 206
Fair Value IDR 84
Bear IDR 49Bull IDR 112

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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%

Bank Woori Saudara Indonesia 1906 · Financials

Quality score27 · bottom 25%
Fair value upside-59% · bottom 25%

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees DBS Group Holdings as the less overvalued of the two: DBS Group Holdings trades at S$77.48 versus a fair value of S$40.48 (-48%), while Bank Woori Saudara Indonesia 1906 trades at IDR 206 versus IDR 84 (-59%).

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

Open DBS Group Holdings 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.