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DSY (DSY) Fair Value & Analysis

Financial Services · Market cap 186B ZAC

D DSY DSY · JSE
PriceR282.13
Fair ValueR185.77
Upside-34.2%
Quality63/100
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Evidence: High Range R139.33 – R232.22

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 6 days ago

Fair value updated Jun 26, 2026 — revised from R242.93 to R185.77 (−23.5%) since Jun 24, 2026. Share price −0.5% over the past month.

Price vs Fair Value (12 months)

R303.87 R197.27 Fair Value R185.77 Jul 2025 Jul 2026

12‑month range R197.27 – R303.87 · fair‑value band R139.33 – R232.22 · the R282.13 price screens above the R185.77 fair value. As of Jun 26, 2026.

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Analysis

DSY (DSY) currently trades at R282.13, while our model-based Fair Value estimate is R185.77 — implying the stock looks roughly 34.2% overvalued today. We read business quality at 63/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, DSY generated revenue of 91.1B ZAR at a net margin of 11.9%. Revenue grew 8.8% year over year. It earns a return on equity of 15.7%. The balance sheet holds a net cash position of 1.4B ZAR. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 91.1B ZAC
Revenue growth (YoY) +8.8%
Net margin 11.9%
Return on equity 15.7%
Free cash flow 6.7B ZAC FY2025
P/E ratio 17.6
More key figures
Operating margin 22.9%
EPS (TTM) R15.80
Dividend yield 0.0%
EPS growth (YoY) +28.1%
Net cash 1.4B ZAC FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

DSY reported revenue of R83.4B in FY2025 versus R75.3B in FY2021, a compound +2.6%/yr. Reported net income was R9.6B in FY2025, compounding +31.3%/yr from FY2021.

Revenue +2.6%/yr
FY21 R75.3B
FY22 R66.2B
FY23 R84.8B
FY24 R67.9B
FY25 R83.4B
Net income +31.3%/yr
FY21 R3.2B
FY22 R5.5B
FY23 R6.6B
FY24 R7.4B
FY25 R9.6B

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Similar stocks

6 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

Stock Price Fair Value vs Fair Value
Ping An Insurance (Group) Company 601318 ¥53.22 ¥106.44 +100%
China Life Insurance Company 601628 ¥36.44 ¥72.88 +100%
AIA Group AAGIY $37.75 $46.53 +23%
Manulife Financial Corporation MFC $40.61 $28.23 -30%
0945 0945 HK$317.40 HK$248.94 -22%
China Pacific Insurance (Group) Co CHPXF $3.65 $5.83 +60%

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Frequently asked questions

Is DSY (DSY) undervalued?
As of Jun 26, 2026, our model estimates a fair value of R185.77 versus a price of R282.13 — about −34% (overvalued). Model-based estimate, not financial advice.
What is the fair value of DSY?
Our model-based fair value for DSY is R185.77 (as of Jun 26, 2026), built from audited fundamentals. The current price is R282.13.
What is the quality score of DSY?
DSY has a Quality Score of 63/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of DSY (DSY)?
DSY reported trailing-twelve-month revenue of about 91.1B ZAR (latest available figure, as of Jun 26, 2026).
What is the net profit margin of DSY?
The net profit margin of DSY is about 11.9%, meaning it keeps roughly 11.9% of revenue as net income. Based on the latest reported figures.
Does DSY pay a dividend?
DSY currently shows a dividend yield of about 0.01% relative to its recent price (as of Jun 26, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.