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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Skjern Bank A/S (SKJE) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Skjern Bank A/S as the less overvalued of the two: DBS Group Holdings trades at S$77.48 versus a fair value of S$40.39 (-48%), while Skjern Bank A/S trades at DKK 422 versus DKK 317 (-25%).
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.48
Fair ValueS$40.39
Quality65/100
Skjern Bank A/S
SKJE.CO · DKK · Financials
-25%
upside to fair value
overvalued
PriceDKK 422
Fair ValueDKK 317
Quality63/100
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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 HoldingsSkjern Bank A/S
Valuation
20.2×P/E (TTM)15.5×
7.71×P/S (TTM)5.78×
2.49×P/B2.00×
3.44×PEGn/a
−47.9%Fair value upside−24.7%
3.7%Dividend yield0.8%
S$2.85Dividend per shareDKK 3.50
Profitability
60%Operating margin50%
0.99×EBIT margin trend (5Y)1.28×
16%Return on equity14%
1%Return on assets2%
Growth
3%Revenue growth (YoY)5%
11.6%Avg. growth/yr (3Y)17.7%
9.4%Avg. growth/yr (5Y)13.3%
+12.7%Value creation/yr+13.8%
Balance & size
0.6×Interest coverage (EBIT/interest)6.6×
0.69×Debt / equity0.05×
$172BMarket cap$605M
healthyGrowth qualityexpensive

Skjern Bank A/S leads: 3 to 11 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 94 Skjern Bank A/Sof which business quality 60 · market factors 93
ProfitabilityMargins and returns on capital today
38
37
Quality GrowthAre margins and returns improving?
54
46
CashflowEarnings quality: real cash, not paper profit
84
39
Fin. StrengthBalance sheet, leverage, solvency risk
56
94
InvestmentDisciplined investing over empire-building
78
58
Low VolatilityCalm price path (market factor)
100
85
MomentumPrice trend over the last 3–12 months (market factor)
88
97
52W MomentumDistance to the 52-week high (market factor)
98
95
Net IssuanceShare count: buybacks or dilution?
65
90

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$77.48Skjern Bank A/SPrice DKK 422
Dividend Discount-35%below the priceS$50.43n/a
Multiples-46%below the priceS$41.94-25%below the priceDKK 317
Asset-Based-79%below the priceS$16.22-67%below the priceDKK 141
Economic Profit-60%below the priceS$31.19-50%below the priceDKK 210
Minimum-79%below the priceS$16.22-67%below the priceDKK 141
Maximum-35%below the priceS$50.43-25%below the priceDKK 317
Median-53%below the priceS$36.57-50%below the priceDKK 210
Geometric mean-58%below the priceS$32.16-50%below the priceDKK 211

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.

Skjern Bank A/S: 4 of 4 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$40.39
Bear S$29.31Bull S$50.48
Skjern Bank A/S
Price DKK 422
Fair Value DKK 317
Bear DKK 238Bull DKK 397

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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%

Skjern Bank A/S · Financials

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

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Skjern Bank A/S as the less overvalued of the two: DBS Group Holdings trades at S$77.48 versus a fair value of S$40.39 (-48%), while Skjern Bank A/S trades at DKK 422 versus DKK 317 (-25%).

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

Open Skjern Bank A/S 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.