EN DE
STOCK COMPARISON

DBS Group Holdings vs SJF Bank A/S: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and SJF Bank A/S (SJF) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees SJF Bank A/S 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 SJF Bank A/S trades at DKK 482 versus DKK 363 (-25%).
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.69
Fair ValueS$40.48
Quality65/100
SJF Bank A/S
SJF.CO · DKK · Financials
-25%
upside to fair value
overvalued
PriceDKK 482
Fair ValueDKK 363
Quality49/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

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 HoldingsSJF Bank A/S
Valuation
20.3×P/E (TTM)14.0×
7.74×P/S (TTM)4.44×
2.50×P/B1.53×
3.44×PEGn/a
−47.9%Fair value upside−24.6%
3.7%Dividend yield2.3%
S$2.85Dividend per shareDKK 11.00
Profitability
60%Operating margin51%
0.99×EBIT margin trend (5Y)n/a
16%Return on equity12%
1%Return on assets2%
Growth
3%Revenue growth (YoY)-1%
11.6%Avg. growth/yr (3Y)11.9%
9.4%Avg. growth/yr (5Y)n/a
+12.7%Value creation/yr+13.9%
Balance & size
0.6×Interest coverage (EBIT/interest)n/a
0.69×Debt / equityn/a
$173BMarket cap$1B
healthyGrowth qualityexpensive

SJF Bank A/S leads: 3 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 SJF Bank A/Sof which business quality 43 · market factors 89
ProfitabilityMargins and returns on capital today
38
44
Quality GrowthAre margins and returns improving?
54
40
CashflowEarnings quality: real cash, not paper profit
84
0
Fin. StrengthBalance sheet, leverage, solvency risk
56
49
InvestmentDisciplined investing over empire-building
78
44
Low VolatilityCalm price path (market factor)
100
91
MomentumPrice trend over the last 3–12 months (market factor)
86
88
52W MomentumDistance to the 52-week high (market factor)
98
89
Net IssuanceShare count: buybacks or 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$77.69SJF Bank A/SPrice DKK 482
Dividend Discount-29%below the priceS$54.87-63%below the priceDKK 178
Multiples-46%below the priceS$42.04-3%close to the priceDKK 469
Asset-Based-79%below the priceS$16.26-56%below the priceDKK 213
Economic Profit-59%below the priceS$32.23-30%below the priceDKK 336
Minimum-79%below the priceS$16.26-63%below the priceDKK 178
Maximum-29%below the priceS$54.87-3%close to the priceDKK 469
Median-52%below the priceS$37.13-43%below the priceDKK 275
Geometric mean-57%below the priceS$33.16-42%below the priceDKK 278

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.

SJF Bank A/S: 5 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$30.36Bull S$50.60
SJF Bank A/S
Price DKK 482
Fair Value DKK 363
Bear DKK 300Bull DKK 581

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

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%

SJF Bank A/S · Financials

Quality score49 · below median
Fair value upside-25% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees SJF Bank A/S 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 SJF Bank A/S trades at DKK 482 versus DKK 363 (-25%).

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

Open SJF Bank A/S live analysis →

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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