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STOCK COMPARISON

DBS Group Holdings vs Z1io34: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Z1io34 (Z1IO34) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees DBS Group Holdings 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 Z1io34 trades at BRL 348 versus BRL 130 (-63%).
DBS Group Holdings
D05.SG · SGD · Financials
-49%
upside to fair value
overvalued
PriceS$78.65
Fair ValueS$40.48
Quality65/100
Z1io34
Z1IO34.SA · BRL · Information Technology
-63%
upside to fair value
overvalued
PriceBRL 348
Fair ValueBRL 130
Quality59/100
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Head-to-head numbers

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

DBS Group HoldingsZ1io34
Valuation
18.7×P/E (TTM)10.6×
7.23×P/S (TTM)3.00×
2.34×P/B1.42×
3.44×PEG4.67×
−48.5%Fair value upside−62.8%
3.6%Dividend yield0.5%
S$2.85Dividend per shareBRL 1.78
Profitability
60%Operating margin36%
0.99×EBIT margin trend (5Y)—
16%Return on equity14%
1%Return on assets1%
Growth
3%Revenue growth (YoY)10%
11.6%Avg. growth/yr (3Y)2.4%
9.4%Avg. growth/yr (5Y)—
+12.6%Value creation/yr+4.9%
Balance & size
0.6×Interest coverage (EBIT/interest)—
0.69×Debt / equity0.20×
$161BMarket cap$10B
healthyGrowth qualityhealthy
Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

DBS Group Holdings leads: 6 to 1 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 Z1io34of which business quality 55 · market factors 66
ProfitabilityMargins and returns on capital today
38
44
Quality GrowthAre margins and returns improving?
54
49
CashflowEarnings quality: real cash, not paper profit
84
84
Fin. StrengthBalance sheet, leverage, solvency risk
56
11
InvestmentDisciplined investing over empire-building
78
74
Low VolatilityCalm price path (market factor)
99
78
MomentumPrice trend over the last 3–12 months (market factor)
91
56
52W MomentumDistance to the 52-week high (market factor)
100
70
Net IssuanceBuybacks instead of dilution
65
84

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$78.65Z1io34Price BRL 348
Dividend Discount-30%below the priceS$54.87-93%below the priceBRL 23.96
Multiples-47%below the priceS$42.04-60%below the priceBRL 138
Asset-Based-79%below the priceS$16.26-91%below the priceBRL 32.70
Economic Profit-59%below the priceS$32.23-84%below the priceBRL 55.27
Minimum-79%below the priceS$16.26-93%below the priceBRL 23.96
Maximum-30%below the priceS$54.87-60%below the priceBRL 138
Median-53%below the priceS$37.13-87%below the priceBRL 43.99
Geometric mean-58%below the priceS$33.16-86%below the priceBRL 49.40

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.

Z1io34: 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)
Z1io34
Bear BRL 97.22Fair Value BRL 130Bull BRL 162
BRL 348 = 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%

Z1io34 · Information Technology

Quality score59 · above median
Fair value upside-63% · below median

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees DBS Group Holdings 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 Z1io34 trades at BRL 348 versus BRL 130 (-63%).

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

See the full analysis →
DBS Group Holdings · Z1io34

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